Business Funding & Small Business Loan Alternatives in New York City

New York City has the densest small business economy in the country — restaurants, trades, retail, salons, and clinics packed across five boroughs — alongside the highest operating costs anywhere. Y Millennial Funding provides revenue-based business funding to New York City businesses doing $25,000 or more in monthly revenue. We are a direct funder, not a broker, and we approve on revenue and deposit strength rather than credit score alone, so an established business with steady deposits can be evaluated regardless of personal credit history. We deliver same-day decisions for eligible applications and can fund within 24 to 72 hours of a signed agreement. Funding is structured as a merchant cash advance — not a loan — so remittance scales with deposits rather than locking in a fixed monthly payment while rent and payroll come due long before receipts. We also offer business lines of credit and equipment financing, both directly and through our referral network. Not all applicants qualify.

Merchant cash advances are not loans. Funding amounts, terms, and timing vary based on business performance and underwriting. Not all applicants qualify.