New York is one of the top two states for merchant cash advance demand nationally. From NYC's dense restaurant and retail corridors to upstate manufacturers and Buffalo contractors, FundCapa funds New York businesses across every borough and region. FundCapa connects New York businesses to 50+ lenders — with decisions in under 1 hour and funding as fast as the next business day.
Funding Products
Every program below is available to New York businesses with 6+ months of operation and $10K+ in monthly revenue. Serving New York City, Buffalo, Rochester, Albany, Syracuse, Yonkers and statewide.
Up to $350,000. Repayment tied to daily revenue — no fixed payment. Approval based on monthly deposits. 500+ credit score. Factor rates 1.10–1.49.
Learn more →Revolving up to $250,000. Draw as needed, repay, and reuse. Ideal for seasonal cash flow or ongoing working capital needs. 550+ credit.
Learn more →Government-backed loans up to $5M. Longer terms, lower rates. FundCapa is an SBA Approved Broker/Partner — we handle the process end-to-end.
Learn more →$10,000–$200,000. Fixed payments over 3–18 months. Funded next business day. 500+ credit score accepted. No collateral required.
Learn more →Up to $150,000. Equipment serves as collateral — making approval more accessible with lower credit scores. New and used equipment eligible.
Learn more →Up to $500,000. Sell outstanding B2B invoices for immediate cash. Approval based on your customers' credit — not yours. No new debt added.
Learn more →New York Industries We Fund
FundCapa funds most New York industries — from New York City restaurants to statewide contractors and healthcare providers.
What New York Business Owners Say
"Running a restaurant in Brooklyn is brutal. FundCapa got us $75K for a new POS system and bar renovation — approved on a Tuesday, funded Wednesday."
"My credit score was 540 after a tough year. FundCapa matched me with a revenue-based program and had $40K in my account in 36 hours."
"Used FundCapa twice for my Bronx cleaning company. Both times — fast, professional, and no surprises at closing."
Eligibility
FAQ
One-page application, soft pull only, decision in under 1 hour. FundCapa matches you to the right lender for your New York business.