Get $5K to $5M in working capital for your New York City business. Fast approval, same-day funding, and flexible repayment options designed for the New York City market.
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New York City Small Businesses
Metro GDP
New York City is the financial capital of the world, home to Wall Street, the New York Stock Exchange, and the headquarters of most major global banks. The city's $1.8 trillion GDP makes it larger than most countries. NYC's small business ecosystem is extraordinarily diverse, spanning from Michelin-starred restaurants to corner bodegas, from fintech startups to century-old manufacturing firms. The city's five boroughs each have distinct economic identities: Manhattan leads in finance and professional services, Brooklyn has become a tech and creative hub, Queens boasts the most ethnically diverse small business corridor in America, the Bronx is experiencing a renaissance in healthcare and logistics, and Staten Island anchors the metropolitan port economy.
New York City's business landscape is dominated by financial services, which employs over 330,000 people directly and supports hundreds of thousands more. The tech sector has exploded, with Silicon Alley now rivaling the Bay Area for startup formation. Healthcare is the city's largest employer overall, with major hospital systems like NYU Langone, Mount Sinai, and NewYork-Presbyterian anchoring neighborhoods across all five boroughs. The food and hospitality industry supports over 25,000 restaurants, making NYC the restaurant capital of the world. Media, advertising, fashion, and real estate round out the major industries driving demand for business capital.
No matter what industry you operate in across New York City, Merchant Fund Express understands the unique capital needs of your business. We have funded thousands of businesses across every sector, from Finance & Banking to Food & Hospitality, providing the fast, flexible capital that New York City entrepreneurs need to compete and grow.
We provide business financing to virtually every industry in the New York City metropolitan area. Our most active sectors include:
Major employers like JPMorgan Chase, Citigroup, Verizon, Pfizer, Goldman Sachs, Morgan Stanley create a thriving ecosystem of suppliers, contractors, and service providers that all need working capital to grow. Whether you serve these corporate giants or the 8.3 million residents of New York City, we have a funding solution for your business.
See how Merchant Fund Express compares to traditional New York City banks when it comes to getting the business capital you need:
| Feature | Chase Bank | Merchant Fund Express |
|---|---|---|
| Approval Time | 30-90 days | 24 hours |
| Min. Credit Score | 680+ | 500 |
| Time in Business | 2+ years | 4+ months |
| Collateral Required | Yes - property/assets | No collateral |
| Documentation | Tax returns, financials, business plan | 3 months bank statements |
| Funding Amount | $50K minimum | $5K - $5M |
| Approval Rate | ~20-30% | 95% |
| Prepayment Penalty | Often yes | Usually none |
Real New York City businesses that grew with Merchant Fund Express funding:
Used funding to renovate their dining room and expand outdoor seating. Revenue increased 65% within 8 months. The owner had been turned down by three traditional banks before coming to us.
Secured inventory financing to stock up before Fashion Week. The investment paid for itself within the first quarter, allowing them to open a second location in Williamsburg.
Needed bridge capital while closing a Series A round. Our fast approval got them funded in 48 hours, keeping their 12-person team paid and operations running smoothly.
New York has some of the strongest small business lending protections in the nation. The NY Department of Financial Services requires all commercial financing providers to disclose Annual Percentage Rate (APR), total cost of financing, and prepayment penalties. The Commercial Finance Disclosure Law (S5470B) ensures transparency for loans under $2.5 million. Merchant Fund Express fully complies with all NY DFS regulations and provides clear, upfront disclosure of all terms.
In addition to New York City, Merchant Fund Express provides business funding throughout the New York City metropolitan area including:
We serve businesses in all New York City neighborhoods including Manhattan, Brooklyn, Queens, The Bronx, Staten Island, Williamsburg, Harlem, SoHo, and all surrounding communities. No matter where your business is located in the New York City metro area, we can help.
Join thousands of New York City businesses funded by MFE.
Apply Now (305) 384-8391Everything you need to know about getting business funding in New York City, NY.
Speak with a funding specialist today. No obligation, no impact on your credit score.