Working Capital
Unrestricted operating cash sized off your deposits, funded in days.
- Amount $10K – $2M
- Speed 1–3 days
Working capital, lines of credit, SBA, equipment, factoring and real estate capital for New York businesses — $10,000 to $50,000,000. One application, lenders competing for it, offers side by side.
New York's confession-of-judgment history means contract terms deserve real scrutiny here — we read the whole agreement before you sign it.
In New York, rent and payroll go out first and receivables come in last. A Manhattan design firm waits 60 days on a corporate client. A Brooklyn general contractor waits on a building owner's draw. A Queens restaurant pays its landlord on the first no matter how slow the month was. Most New York funding requests we see aren't about buying something — they're about covering the gap.
New York is also one of the most competitive markets for business funding, and one of the most heavily marketed to. Owners here get more cold calls and more stacked offers than almost anywhere. Our job is the opposite of that: one application, lenders competing for your file, and every offer laid out so you can see total cost, payment frequency and prepayment terms before you sign anything.
Outside the city, the picture changes — manufacturing in Buffalo and Rochester, agriculture and food processing upstate, and service businesses in the Hudson Valley. The programs are the same statewide; the right structure depends on how your cash actually moves.
Unrestricted operating cash sized off your deposits, funded in days.
Revolving access you draw, repay and draw again — you only pay for what you use.
The cheapest money in America, with the longest terms — if you can wait for it.
Fixed amount, fixed monthly payment, 12–60 months. No surprises.
The machine is the collateral, so approvals come easier and terms run longer.
80–93% advanced on open invoices. Not debt — you are selling a receivable.
Fastest capital we place, with remittance that flexes with daily sales.
Bridge, fix and flip, DSCR rental and construction, closed on the contract's clock.
Real options from three months in business — not a brush-off.
A 90-day build that moves you from personal-guarantee-only to real business credit.
These are illustrative scenarios showing how a structure fits a situation — not specific clients or quotes.
Situation. A contractor on a mid-size residential renovation was carrying payroll and materials for five weeks between owner draws.
Structure. Contract-backed working capital with repayment timed to the draw schedule.
Situation. A staffing agency placing temporary workers with corporate clients paid workers weekly but got paid on net-60 terms.
Structure. Payroll-focused invoice factoring that grew automatically with new placements.
Served statewide, fully remote.
Served statewide, fully remote.
Served statewide, fully remote.
Served statewide, fully remote.
A four-minute application, a soft review, and zero impact on your credit score. Travis reads every submission personally and calls back with real options — usually the same business day.
Talk to Travis directly612-927-2055Soft review · No obligation · No impact on your credit score