NY · State guide

Business loans in New York

New York State and New York City are different markets with different funding programs, and this page is about the state. Everything below is either a lender's own published figure or a government publication, with the source and the date it was read.

6 cities covered Checked 14 Sep 2026
Get funding in New York See the shortlist

Where to start in New York

No lender here publishes a state-by-state availability list naming NY, so this is the directory ranked by how much each one puts on the record. Absence from a list nobody publishes means nothing.

  1. 100%

    Forward Financing

    $5K – $500K Same day Credit from 500
    9/9 on the record
  2. 100%

    ROK Financial

    $10K – $5M 1-3 days Credit from 500
    9/9 on the record
  3. 100%

    South End Capital

    $1K – $5M Same-day funding available Credit from 650
    9/9 on the record
  4. 89%

    Bizcap US

    Up to $2M Same day Credit from 550
    8/9 on the record
  5. 89%

    ByzFunder

    Up to $500K Same day Credit from 525
    8/9 on the record
  6. 89%

    Fora Financial

    $5K – $1.5M As little as 24 hours Credit from 570
    8/9 on the record
  7. 89%

    Fox Business Funding

    Up to $1M As little as 2 business days Credit from 550
    8/9 on the record
  8. 89%

    National Funding

    $6K – $500K As fast as 24 hours Credit from 600
    8/9 on the record
  9. 89%

    Straight Line Source

    Partner
    $5K – $10M Same day Credit from 500
    8/9 on the record
  10. 78%

    Biz2Credit

    $25K – $2M Decision as fast as 24 hours Credit from 650
    7/9 on the record
  11. 78%

    CAN Capital

    $2K – $400K As fast as the next business day Credit from 600
    7/9 on the record
  12. 78%

    Credibly

    $5K – $10M As fast as 4 hours after approval Credit from 550
    7/9 on the record
published not published Ordered by disclosure, not by what anyone pays us. The score is a count of what a lender publishes, not a rating of the lender.

What the state itself lends

Empire State Development runs several programs that are open to New York businesses, most of them delivered through participating lenders rather than by the state directly. The Small Business Revolving Loan Fund Round 2 is funded with $63.5 million in federally allocated State Small Business Credit Initiative money and delivers microloans from $500 to $25,000 and larger loans above $25,000, though program funds cannot exceed 50% of loan principal or $125,000. Eligibility is an independently owned business with 100 or fewer full-time employees, resident in and authorised to do business in New York.

The Main Street Capital Loan Fund is the clearest set of published terms of any of them: up to $100,000, a fixed 9.90% APR, a maximum six-year term and interest-only payments for the first year, for businesses under four years old with revenue below $5 million, delivered in partnership with Pursuit. A personal guarantee is required from owners holding 20% or more.

The Regional Revolving Loan Trust Fund lends working capital up to $100,000 or 90% of project cost, whichever is less, through regional not-for-profit administering corporations. The CDFI Revolving Loan Fund runs microloans up to $25,000 at 3-8% through participating CDFIs, with a 10% borrower equity contribution. The Capital Project Loan Fund is for real estate and equipment rather than working capital, funds up to 40% of project cost (60% in Empire Zones and distressed areas), and requires bank financing for half the project and 10% owner equity.

Two programs are credit enhancements rather than loans, which matters when you are looking for money: the Linked Deposit Program buys down the rate on a bank loan you still have to secure yourself, and the Capital Access Program funds loan loss reserves so lenders will write business they would otherwise decline. Neither hands you capital directly.

Programs you may still see linked that are not open

New York Forward Loan Fund 2 states on its own site that it is not accepting new applications, yet it is still linked from New York City's financing assistance page. ESD's SBA Subsidy Loan Program page describes the expired CARES Act six-month payment subsidy published in April 2020. ESD's CDFI Fund Program application period closed on 6 March 2026. We list these because a live government link is not the same as an open program, and finding that out after you have built a plan around one costs weeks.

One caution on New York business counts

Two different totals circulate for how many small businesses New York has, and they are not interchangeable. The State Comptroller cites 422,137 businesses with fewer than 500 employees, counting employer firms. The SBA Office of Advocacy cites roughly 2.4 million, because its definition includes about two million nonemployer and self-employed firms. Both are correct for what they measure. Neither should be quoted as the other.

Headquartered in New York

Where a lender is based says nothing about where it lends. It is here because businesses ask.

Straight Line SourceAdvantage Merchant FundingBig Think CapitalBirkin CapitalBiz2CreditByzFunderCFG Merchant SolutionsCashableCobalt Funding SolutionsFenix Capital FundingFora FinancialMerk FundingNationwide Capital SolutionsROK FinancialSDY CapitalThe Smarter MerchantUnited First Capital ExpertsVOX FundingVelocity Capital Group

Cities in New York

AlbanyBuffaloNew York CityRochesterSyracuseYonkers

More for New York

RankingBest business lenders in New York Lenders headquartered in New York, ranked on what they publish about their own terms. Question and answerCan a business lender sue me in another state? Your contract's forum clause usually decides it, and two states have written rules that override what the contract says. GuideConfession of judgment clauses and the state rules that now limit them New York restricted where one can be filed in 2019. Virginia and Texas ban them outright in sales-based financing. Everywhere else, read your contract. Question and answerDo I get a disclosure sheet before I sign business financing? In eleven states, yes, though what is on it and when it arrives varies a great deal. Everywhere else you get whatever you insist on. Question and answerDoes my state cap the interest rate on a business loan? There is usually a cap in the statute book and usually an exemption that removes it before it reaches you. Question and answerIs a merchant cash advance legal in my state? No state has banned the product. What differs between states is how much a funder has to tell you first and whether anyone has to be registered. GuideNew York State's Commercial Finance Disclosure Law and what it puts in front of you Article 8 of the Financial Services Law makes a funder hand you a signed offer summary carrying an APR before you commit. Here is what is on it and how to read it.

Business funding in New York — common questions

Can I get business funding in New York?

Yes. 12 funders in this directory serve businesses in New York, and 0 of them name New York explicitly in their published availability rather than being included by default.

Does New York require lenders to disclose the cost of business financing?

New York's position is set out on this page. As of 2026 only a small number of states require a commercial financing disclosure, and in the rest you will not receive one — which means you have to ask for the total dollar cost, the term and every fee in writing yourself.

Are there state programmes for small business capital in New York?

3 state-level programmes are recorded here with a link to the administering agency. Programmes open and close, so confirm the current position on the agency's own site before relying on one.

Is a merchant cash advance legal in New York?

Commercial financing generally sits outside the consumer credit rules most people have heard of, and most state usury caps do not reach business-purpose transactions. What varies is disclosure, broker registration and lender licensing. This is general information, not legal advice for your situation.

How do I check for liens filed against my business in New York?

Through New York's UCC filing office, which is named on this page. Search your exact registered entity name — a filing under a slightly different name will not come back, and neither will a stale one nobody terminated.

Which lenders will not fund in New York?

Where a funder publishes an excluded-states list, this page shows it. Many publish nothing, which is not the same as being available — it means you have to ask.

Does being based in New York change what I pay?

Not directly in most cases. What changes is what you are told before you sign, and what recourse you have afterwards, both of which depend on your state's rules and on the jurisdiction clause in the contract.

What should I have ready before applying?

Three months of business bank statements, your time in business from a verifiable date, average monthly deposits, your entity's good standing, and a clear figure for what you need and what for.

How current is this page?

Every figure carries the date it was checked. Where a check has passed its review date the page says so rather than presenting as current.