New York · Direct Lender
Small business loans in New York
Why NY owners choose Affirmative Funding
Same-day funding for New York businesses
From Manhattan restaurants to Buffalo contractors, New York businesses face high costs and need capital that moves at the city's pace. From New York City to the rest of the state, Affirmative Funding underwrites on your bank deposits rather than your credit score, which is why businesses in Restaurants, Construction, Professional Services and Retail Stores get approved when banks say no.
- ✓$10,000 to $5,000,000 in funding
- ✓Decision in minutes, funds as soon as today
- ✓Soft credit check — no impact on your score
- ✓Rates from prime, terms up to 5 years, no hidden fees
$20,000+
monthly business revenue
6+ months
in business
$10K – $5M
funding range
Same day
funding once finalized
Industries
Who gets funded in New York
The NY businesses we see most are in Restaurants, Construction, Professional Services and Retail Stores, but the rule is simple: $20,000 or more a month in revenue and six months in business, in any industry.
Restaurants & Hospitality
Kitchen equipment and walk-in replacement · Renovations, patios and second locations · Payroll through slow seasons
Construction & Contractors
Materials and supplier deposits for a new job · Payroll between progress payments · Equipment and vehicle purchases
Professional Services
Hiring ahead of new contracts · Bridging slow-paying clients · Office expansion and technology
Retail Stores
Seasonal and holiday inventory · Bulk purchasing and supplier discounts · Store build-outs and fixtures
Cities
New York cities we fund
Because everything happens online, a New York City owner and an owner three hours away get the same three-minute application and the same same-day timeline. We actively fund in New York City, Buffalo, Rochester, Yonkers, Syracuse and Albany and statewide.
- New York City, NY
- Buffalo, NY
- Rochester, NY
- Yonkers, NY
- Syracuse, NY
- Albany, NY
New York business funding FAQ
Can any New York business apply?+
Yes. Affirmative Funding funds businesses in every New York city and county. The only requirements are $20,000+ in monthly revenue, 6+ months in business and a U.S. business bank account.
How quickly does funding arrive in New York?+
The application takes about three minutes and decisions come back in minutes. Once your file is finalized, funds are typically sent the same business day to your New York business bank account.
Do you work with New York businesses directly?+
Affirmative Funding is a direct lender serving businesses in all 50 states, including New York. We fund from our own capital, so there is no broker and no broker fee.
Can I qualify in New York with bad credit?+
Often, yes. Approval is based on your revenue and bank activity, not credit score alone. A NY business with consistent deposits of $20,000+ a month is a strong candidate.
Business funding in other states
See what your New York business qualifies for
Apply in three minutes with your last three bank statements. A dedicated specialist reviews your file and presents clear terms, usually within minutes.