Working Capital Loans for New York City Businesses

Meeting Working Capital Needs in the City That Loves You Back

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Helping New York Companies Thrive in an Especially Competitive Market

New York has the second-largest small business economy in the country, with nearly every type of business and sector represented somewhere in Manhattan, The Bronx, Brooklyn, Queens and Staten Island. The remarkably large size of the small business market in the Big Apple can mean lots of opportunities and challenges. How can your small business succeed in such a competitive atmosphere like New York City? 

National Funding provides small businesses across the Five Boroughs the chance to increase agility and stability with working capital.  The flexibility of a working capital loan from National Funding means you can choose where the money goes to stabilize, support, grow and diversify your business. National Funding is here to help you make your organization the best it can be.   Working capital loans give businesses the cash you need to move forward.

Working Capital Loans in New York

“New York has the second-largest small business economy in the entire country.”

Use Your Working Capital for a Wide Variety of Business Needs

Your working capital loan can boost everything from staffing levels to technological improvements. The flexibility of the loan is one of its biggest strengths, giving businesses owners room to use it for nearly any business expense. Consider just a few of the possibilities:


Bring on more employees before the busiest times of the year.


Give your company the best tools for the job.


Open a second storefront or expand your existing facility.


Get the most efficient hardware and software in place.

Working Capital Loans Developed for Small Businesses

National Funding knows how important it is for small businesses throughout New York City to not only secure working capital but do so in a quick and efficient fashion - one that doesn’t take too much time away from ensuring daily operations are as effective as possible. We have nearly 20 years of experience lending to small businesses across the country, which means we understand how to make the lending process as simple and direct as possible.

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 Streamlined, Simple Process

Applying for a working capital loan shouldn’t take up hours of your time or pull you away from actively managing and overseeing day-to-day business operations that are so vital for continued success. Our process is geared toward your needs and helping your business prosper, with a practical approach that takes your needs into account and doesn’t waste any time. Here’s what it looks like:

  • A single-page application that collects the information we need, without requesting excessive details.
  • Simple, easy-to-understand lending standards that take the reality of operating a small business into account.
  • Quick delivery of funds. Once approved, you get your working capital 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 Working Capital Loan for Your New York Business

At National Funding, we understand the many pressures and deadlines faced by small businesses. That’s why we have a simple, effective online application and an approval process that takes as little as 24 hours to complete. What do we need from you?

  1. Minimal paperwork - you only fill out a one-page application.
  2. Three months' of bank statements.

That’s all! Ready to find out more? Get Started


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

Access to Working Capital Boosts Your Business

The flexibility of working capital is one of its greatest strengths. Want to invest in targeted marketing in Brooklyn and Queens? Interested in opening a second location on Staten Island? Want to hire more employees for your Manhattan location? Working capital gives your small business the cash on hand it needs to make effective decisions before it’s too late to reap the benefits.


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

National Funding is Ready to Help Your NYC Small Business

Applying for a working capital loan couldn’t be simpler for your New York City small business. Filling out our online application means we get to work on your request immediately and keep you informed.
Businesses that choose National Funding enjoy quick timelines for approval, fast receipt of working capital funds and a partner that understands their needs. 

We’re ready to partner with you. Complete 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.