Access $10,000 to $1,000,000 in revolving credit for your New York business. Draw funds as needed and pay interest only on what you use. Rates starting at 8% with a credit line that replenishes as you repay.
Credit Lines Available for New York Businesses
From Application to Approval Decision
Starting Rate
Revenue based financing (RBF) is a modern funding solution that gives New York business owners access to capital based on their monthly revenue. Unlike a merchant cash advance that takes a percentage of your daily credit card sales, RBF provides a lump sum with fixed daily or weekly ACH payments drawn from your business bank account. Your payment amount is set upfront based on your revenue history — simple, predictable, and no credit card processing required.
This makes a business line of credit ideal for New York businesses across every industry — whether you're a Manhattan retailer managing inventory cycles, a Brooklyn tech startup covering payroll between funding rounds, or a Queens food service operation handling seasonal demand. The flexibility to draw funds on demand gives you a financial safety net.
At Merchant Fund Express, we provide business lines of credit to New York businesses from ,000 to ,000,000. Rates start at 8%, and approval takes just 24 hours. Your credit line is always there when you need it.
Join thousands of New York businesses that trust Merchant Fund Express
Start Your ApplicationOr call (305) 384-8391
3-minute application. Basic business info and 3 months of bank statements.
24-hour decision. Our team reviews your revenue, not just your credit.
Funds deposited directly to your bank account within 48 hours.
Use funds for anything — equipment, payroll, inventory, marketing, expansion.
New York's economy istrict to Brooklyn's creative economy, Long Island's professional services to Upstate's manufacturing — New York businesses face fast-moving markets where having access to capital on demand is a competitive advantage.
Draw funds as needed. Repay and your credit line replenishes. Always available when you need it.
Interest accrues only on the amount you've drawn. Don't use it? Don't pay for it.
Get approved in 24 hours. Access your credit line immediately once established.
Credit scores as low as 550 accepted. Revenue-focused approval process.
| Approval Time | 24 Hours | 2-6 Weeks | 30-90 Days |
| Funding Speed | 48 Hours | 2-4 Weeks | 60-90 Days |
| Credit Score Min | 550+ | 680+ | 680+ |
| Collateral | None Required | Usually Required | Often Required |
| Flexible Payments | Flexible Payments | No — Fixed Monthly | No — Fixed Monthly |
| Documentation | Bank Statements Only | Tax Returns, Financials, Business Plan | Extensive Package |
| Approval Rate | ~85% | ~20% | ~15% |
| Use Restrictions | None | Often Restricted | Restricted |
See how much you qualify for in under 3 minutes
Get Your Free Quote (305) 384-8391A New York City-area auto parts manufacturer needed capital to purchase new CNC equipment to fulfill a major OEM contract. Traditional banks wanted 8 weeks for approval — the contract deadline was in 3 weeks. Merchant Fund Express approved $450,000 in just 22 hours.
Result: Fashion Week exposure led to $1.8M in wholesale orders within 90 days
A three-location restaurant group in Brooklyn wanted to open their fourth location. The owner had a 590 credit score from pandemic-era debt — every bank said no. Merchant Fund Express approved $200,000 with revenue-based repayment that adjusted to their seasonal ups and downs.
Result: Williamsburg location profitable within 75 days with 4.8-star reviews
A Buffalo manufacturing company won a $2.5M contract to supply components for a state infrastructure project but needed a credit line for raw materials and overtime labor. Revenue based financing gave them $300,000 in 48 hours with payments that scaled with their project billing cycle.
Result: Delivered ahead of schedule and secured 2 additional state contracts
$500,000 Funded
"A Manhattan consulting firm specializing in financial compliance needed a credit line to bridge gaps between large enterprise client payments. With 60-90 day payment cycles from Fortune 500 clients, cash flow was tight despite $3M in annual revenue. Merchant Fund Express set up a $500,000 revolving line of credit with same-day draws."
Result: Hired 4 additional consultants and grew revenue to $4.5M within a year
Specific requirements vary by funding amount. Apply to see what you qualify for — no obligation, no impact to your credit score to check.
New York businesses get approved in 24 hours. Apply now or call us.
Start Your ApplicationOr call now: (305) 384-8391
Speak with a funding specialist today. No obligation, no impact on your credit score.