Small Business Loans & Funding in New York City

New York City is the largest and most competitive small business market in the country — five boroughs and one of the densest concentrations of small businesses anywhere on earth. It is the global capital of finance, media, and commerce, and at street level it runs on hundreds of thousands of restaurants, retailers, contractors, trucking and delivery operators, medical practices, salons, and service businesses. Those businesses face the financial realities of the most expensive city in America: commercial rents that come due before the revenue they generate, receivables that run longer than payroll, sharp holiday and tourism seasonality, and business models too diverse to fit the credit boxes of national banks. Y Millennial Funding provides small business loan alternatives and revenue-based business funding for New York City businesses doing $25,000 or more in monthly revenue. We are a direct funder — we work directly with NYC business owners, and we underwrite based on revenue patterns and bank statement strength rather than credit score or hard collateral alone. Funding is structured as a percentage of revenue, so remittance flexes with actual sales — lighter during slower stretches, larger during busy periods. That fits the seasonal and uneven cash flow that is normal for many NYC businesses. We fund a wide range of NYC industries across all five boroughs: restaurants and food service, retail and e-commerce, construction and contractors, trucking and last-mile logistics, healthcare and medical practices, salons and beauty, auto repair, hospitality, manufacturing, staffing, and many others. New York business owners use this funding for holiday and seasonal inventory, payroll, equipment, working capital between invoice and payment, buildouts and expansion across the boroughs, and a wide range of other operating and growth needs. A merchant cash advance is not a loan; it is the purchase of future receivables. Not all applicants qualify, and approval depends on revenue patterns, time in business, deposit consistency, and other factors. New York's Commercial Finance Disclosure Law also means you should receive standardized disclosure of financing terms. If you are a New York City business owner looking for funding, reach out at (855) 774-6461 — we will give you a straight answer about whether our funding fits your situation.

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