Small Business Loans for New York City Businesses

Small Business Loans To Help New York City Companies Succeed

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Supporting New York City’s Small Business Owners

There’s no doubt New York is big, with 55 Fortune 500 companies inside its borders. But, Small businesses make up 98 percent of all New York companies.* The incredible number and variety of small businesses like yours can’t be overlooked. The Five Boroughs are home to small companies in every industry. With so many opportunities, it’s no surprise New York has a thriving small business scene.

Remaining stable as a small business and capitalizing on growth opportunities can be difficult in such a competitive environment, especially when you’re short on funding. How can businesses get the New York small business loans they need to grow, expand, diversify and succeed?  National Funding is here to help small businesses get the funding you need.

Take a bite out of the Big Apple with a small business loan from National Funding.

*Sources: Fortune  |  Empire State Development 

Small Business Loans in New York - National Funding

“Small businesses make up 98% of all New York businesses.”

A Small Business Loan Means More Options for Your New York Business

You have plenty of options when it comes to small business loans - you can put the money toward nearly any business expense! Consider just a few of the many options:


Get the word out about your business.


Make your employees more valuable by broadening their skill sets.


Make sure you don’t run out of your most popular products.


Open another location and increase the reach of your small business.

Small Business Loans for Companies Across NYC

National Funding knows how difficult it is to find an effective source of funding for your small business. What’s worse, seeking out those funds takes you away from your business and prevents you from operating it at a high level. Because we understand your needs, you can get back to running your business faster.

When you choose to partner with a reputable lender that focuses on small businesses like National Funding, you position your company for success. With a quick approval process, your loan can help your company become a giant in the City That Never Sleeps!

Small Business Funding in New York

Small Business Loans

When others say no .... National Funding says Yes!

National Funding is a top nationwide lender and convenient resource for business loans. We offer the flexibility to create small business loans with terms that meet your specific needs as a borrower. Our high approval rates mean that we can say ‘yes’ when other lenders say no. You’ll get a dedicated Loan Specialist who has specific knowledge about your industry and will provide you one-on-one personalized service.

There is no obligation to get started, and no need for collateral or a down payment. Receive a quick decision and get funding in as little as 24 hours.1

  • Loans from $5,000 to $500,000

  • No collateral required

  • Easy, no cost, no obligation application

  • Automatic payments

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Ratings & Reviews

We are very proud of what our customers are saying on Trustpilot

A Loan Process Made Just for Small Businesses

Every small business is different, and so are their needs. That’s why National Funding offers loans tailored to the individual requirements of each company we interact with. Partnering with National Funding means getting the most out of your loan, from the second you start the application process.

National Funding offers a simplified and effective small business loan process, one that’s in tune with running a small business in a city like New York.

What does our process mean for your business?

  • The application process is easy! A single page is all that you need to fill out, and there aren’t any over-the-top needs for documentation.
  • More practical lending standards that take the needs of small businesses into account.
  • Once approved, you get the money you need in days, not weeks or months.

Fast & Easy

Click or call and receive a quick decision and funding in as few as 24 hours.1

How To Get a Small Business Loan in New York

National Funding’s application process is designed with the needs of small businesses in mind: We simply ask for easily shared, basic information about your business and use it to quickly render a decision. What do you need to do to apply? It’s simple:

  1. Fill out the one-page application.
  2. Share three months' of bank statements.


Our financing solutions and variable payment options are tailored to your specific needs.

What a Small Business Loan Does for Your NYC Small Business

New York City is among the most diverse places in the world, both in culture and economy. With a small business loan from National Funding, you can follow suit by applying part or all of your loan to nearly any business purpose.

Whether your company wants to upgrade its facility or take care of expanded payroll commitments, National Funding gives you the cash necessary to take that next step forward. With our custom-tailored approach to the loan process, you get what you need for your small business.


Since 1999, we've funded over $2 billion in capital for over 35,000 businesses nationwide.

Why Should Your New York Business Choose National Funding?

National Funding has helped small businesses across New York City since 1999. We focus on providing the assistance small businesses need, giving you a speedy loan process and the options that make the most sense for your needs.

National Funding is ready to help your small business succeed. Get started by completing our quick online application and work with a knowledgeable loan specialist today!


Legal Disclosures

True to our mission, we encourage you to read the following policies and learn how they affect you as a client.


(1) 24 hours:

Fast approvals and 24 hour funding subject to receipt of required documentation, underwriting guidelines, and processing time by your bank. Funds are deposited into your business checking account as soon as the next business day after approval and acceptance of terms.


(2) Early payoff discounts:

National Funding offers special opportunities for its customers to terminate contracts early and receive a discount in the process.  Equipment Finance customers who pay off the total remaining balance early,  at any point during the contract, will automatically receive a 6% discount off the total remaining balance.   Working Capital customers who pay off the total remaining balance in full within the first 100 days of the contract will automatically receive a 7% discount off the total remaining balance.  We do not currently offer a discount on our lease contracts. Customers must pay off the balance in full, be current, and in good standing to take advantage of the discount within the time parameters.


(3) Automatic payments:

Loan payments are withdrawn via Automatic Clearing House (ACH) Monday through Friday excluding bank holidays.


(4) Wide variety of payment options:

  • Equipment Financing: payments are remitted monthly with terms of 2-5 years
  • Working Capital Loan: payments can be remitted daily or weekly with terms of 4 months up to 24 months


(5) Potential Tax Savings:

The Section 179 Tax Deduction allows businesses to deduct the full purchase price of qualifying equipment and/or software purchased or financed during the tax year. Meaning, if you buy (or lease) a piece of qualifying equipment, you can deduct 100% of the purchase price from your gross income. You can secure the equipment, tools, and technology you need, while also taking advantage of significant tax deductions - up to $1,000,000. Consult your tax professional for more details.


(6) Guaranteed lowest payment:

Pursuant to the terms and conditions specified in these Rules and Restrictions of the Guaranteed Lowest Payment, National Funding guarantees to provide the lowest payment on equipment leased through National Funding, for lease terms from 24 to 60 months, or to pay $1000 towards qualifying executed leases. Lease payment comparisons must be based on a lease in excess of $10,000, for approved equipment, and with the same terms and conditions as those offered by National Funding within seven days that the National Funding terms are issued. To be eligible, customers must provide a competitive lease quote without contingencies, and vendor invoice, and in the name of the lessee within seven calendar days of the date National Funding issues its terms. Guarantee only valid on competitive equipment leases. Equipment finance agreements do not qualify.

In the event that the monthly lease payment amount from the competing lease company or bank is lower than the monthly payment that is being offered by National Funding for the same equipment and pursuant to the same terms, National Funding will verify the validity and accuracy of the competing leasing company’s or bank’s payment options, terms and the vendor quote. National Funding has the option, in its sole discretion, to either beat the competing leasing company’s or bank’s monthly payment rate, or pay $1000 to the lessee. The lessee must provide National Funding with the competing company’s or bank’s signed lease agreement with payment terms/options, and take delivery of the equipment. Payments will be made within 30 days, and lessee is responsible for any taxes.

The Guaranteed Lowest Payment is available to both new and established customers of National Funding. This offer is valid for new lease applications only. The Guaranteed Lowest Payment is not retroactive — a previously funded equipment lease with National Funding is not eligible for the Guaranteed Lowest Payment. Only non-contingent offers of lease terms and payment are eligible. Offers made to lessee that include subsidization by manufacturers and/or vendors will not be considered in comparing competing offers.

The Guaranteed Lowest Payment may be discontinued at any time without notice.

To participate in the Guaranteed Lowest Payment program, if you have a lease agreement and vendor quote which you believe will qualify for the program, contact your National Funding Lease Manager.


(7) Terms and Conditions apply:

This is not a guaranteed offer of credit. Loans subject to lender approval. Approval amount is based on eligibility determined by information obtained from Dun & Bradstreet. Actual eligibility may vary. Restrictions may apply. Application is subject to approval by the lender and is based on factors such as business type, time in business, annual sales, average bank balances, personal credit and other variables deemed relevant by the lender.