Small Business Loans & Funding in New York
From startups in the city to family-run shops upstate, businesses across New York rely on financial support to keep growing. Fora Financial helps you access business funding in New York without the long wait or complicated process. Our funding options are tailored to your business's actual operations.
Get StartedSmall Business Loans
We know that running a business in New York leaves little time for handling endless paperwork. That's why our streamlined process removes unnecessary documentation and long approval delays. With flexible funding options, you can use the capital for whatever your business demands—whether you're expanding a restaurant or staffing a major construction project.
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Prepayment discounts
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Terms up to 18 months
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Approvals in as little as 4 hours
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Funding up to $1.5 million
Requirements for Business Funding in New York
Securing small business funding in New York depends on several key factors. Every business is unique, but here are the common areas that funders typically consider.
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Credit Score
A good credit score indicates that you manage your finances responsibly. While higher scores are preferred, some options are available to businesses with less-than-perfect credit.
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Business Plan
A clear business plan outlines your goals, projected growth, and how you intend to utilize the funding. It helps reviewers understand your long-term vision.
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Annual Revenue
Showing a steady income is important. Most funders want to see that your business earns enough to comfortably manage repayment.
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Time in Business
Most providers look for at least 6 months to 2 years of operation. If you've been in business longer, that may work in your favor.
How to Get Small Business Funding in New York: Steps to Apply
Getting started is easy. Here's how to get small business funding in New York with Fora Financial:
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Apply
Submit a short online form and speak with a Capital Specialist about your needs for business funding in New York.
2
Get a decision
Get a personalized funding recommendation in as little as 4 hours.
3
Receive your funds
Access your funds and put them to work in as little as one business day.
Case Studies
Restoring Momentum
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Funding Amount: $750,000
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Industry: Manufacturing
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Use of Funds: Working Capital
Expansion at Scale
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Funding Amount: $1,000,000
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Industry: Construction
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Use of Funds: Expansion
Manufacturing Recovery
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Funding Amount: $750,000
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Industry: Manufacturing
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Use of Funds: Working Capital
Youth Soccer Program Expansion
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Funding Amount: $150,000
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Industry: Education & Youth
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Use of Funds: Facility Buildout
Strategic Growth
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Funding Amount: $150,000
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Industry: Wholesale Building Materials
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Use of Funds: Inventory, Expansion
Building for the Future
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Funding Amount: $500,000
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Industry: School / Daycare
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Use of Funds: Cashflow, Expansion
Powering Growth
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Funding Amount: $250,000
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Industry: Medical / IVF Center
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Use of Funds: Expansion, Cash Flow, Staffing, Equipment
Rapid Support
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Funding Amount: $1,000,000
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Industry: Automotive
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Use of Funds: Inventory
What Sets Us Apart from the Rest
Frequently Asked Questions About Business Funding and Financing in New York
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Yes, many businesses use funding to expand, including opening new locations. As long as the use of funds aligns with your business goals, this is a common and acceptable reason for seeking business funding in New York.
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It depends on the provider and the structure of the funding. Some types of business funding may require a personal guarantee, which could negatively impact your credit if the business is unable to repay the loan.
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Some businesses qualify for additional funding after just a few months of successful repayment. Fora Financial reviews each situation individually and offers early renewal options to eligible businesses.
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Yes, revenue-based funding is often well-suited for seasonal businesses, since payments adjust in line with your sales volume. This can help manage cash flow during slower months.
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Yes, most funders (including Fora Financial) require a business bank account to review cash flow and process repayments. This also helps separate personal and business finances for clarity and accountability.
Get Financing Today
Get started with your application and join Fora Financial's family of forward-thinking businesses.