Rise Business Funding

Revenue-Based Financing in New York

New York's economy spans finance, technology, healthcare, hospitality, and manufacturing across a state that runs from midtown Manhattan to the farms of the North Country. Revenue-based financing gives New York business owners flexible capital that scales with their actual monthly sales, not a fixed repayment schedule.

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Decision Within 2 Hours

Get a decision within 2 hours of a complete document submission.

Funding $5K to $500K

Amounts range from $5K to $500K, based on your revenue and credit profile.

All 50 States

Rise Business Funding serves businesses statewide, from NYC to Buffalo

About Revenue-Based Financing in New York

Most New York contractors wait 60 to 90 days for draws on completed phases, and subcontractors in the Mid-Hudson region, which carried the highest construction employment share of any New York region in 2024, often wait even longer. That gap between labor costs paid out on Friday and the draw that arrives next month is exactly the problem revenue-based financing is built to close. Repayments flex with your incoming revenue rather than hitting a fixed date, so a slow billing cycle does not trigger a default.

The same cash-flow logic applies across the state's manufacturing belt. Fabricated metals shops in the Buffalo-Niagara corridor, food-product producers in the Finger Lakes, and electronics manufacturers around Rochester's legacy Kodak and Xerox ecosystem routinely carry large material orders weeks before a customer invoice clears. Manufacturing represented 13 percent of total jobs in the Southern Tier and roughly 10.7 to 10.8 percent in Western New York and the Finger Lakes in 2024, according to the NYS Comptroller's 2026 Regional Industries report. For those operations, manufacturing business loans structured around receivables cycles make far more practical sense than a fixed monthly payment that ignores the order calendar. Retail businesses face a different version of the same problem: a SoHo boutique or a Herald Square merchant that loads up inventory for holiday traffic in October cannot always wait until a bank loan closes in December. A flexible business line of credit or revenue-based draw lets you act on a buying window when it opens.

New York's minimum wage reached $16.50 per hour in New York City, Long Island, and Westchester effective January 1, 2025, and payroll obligations for construction business loans clients and retail business loans are not optional costs you can defer. Lenders in the Rise Business Funding network structure advances around your actual monthly revenue so that the repayment percentage adjusts automatically when revenue dips, protecting your operating margin during slower periods without renegotiation. Use the business funding calculator to model a repayment scenario against your current monthly deposits before you apply.

Financing Options in New York

Revenue-Based Financing

Repayment scales with your monthly revenue rather than a fixed schedule. Lenders in our network advance capital in exchange for a percentage of future sales, making it ideal for New York businesses with seasonal or variable income.

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Short-Term Business Loans

Lump-sum capital repaid over 3 to 18 months, structured for businesses that need quick access to funds. New York businesses with at least six months of operating history and consistent revenue can often qualify quickly.

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Business Line of Credit

Draw funds as you need them and pay interest only on what you use. A revolving line of credit is ideal for New York businesses managing fluctuating payroll, inventory cycles, or recurring operational expenses.

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Merchant Cash Advance

Receive an upfront lump sum in exchange for a percentage of future credit and debit card sales. Particularly popular with New York retail shops, restaurants, and service businesses that process high card volumes daily.

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SBA Loans

Government-backed loans with longer terms and competitive rates for qualifying New York businesses. SBA loans are well suited for established businesses seeking larger funding amounts with structured repayment.

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Equipment Financing

Finance the machinery, vehicles, or technology your New York business needs to operate and grow. The equipment itself typically serves as collateral, making approval accessible even when other assets are limited.

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Requirements to Qualify

Personal FICO Score

550+

RBF is more accessible than traditional loans. Revenue consistency matters more than credit score, though a higher score can improve your terms.

Monthly Revenue

$10,000+

The lender uses your monthly revenue to calculate the advance amount and determine the repayment percentage. Stronger, more consistent revenue qualifies for larger amounts.

Time in Business

6+ months

Lenders need enough operating history to evaluate your revenue patterns. Businesses with at least 6 months of consistent deposits are typically eligible.

Bank Account

Business Account Required

Used to verify revenue patterns and calculate your monthly repayment percentage. Personal accounts are not accepted.

How Rise Works

1

Submit Your Application

Complete our secure online application in minutes and share your recent business bank statements. No hard credit pull is required to apply, and there are no upfront fees.

2

Get Matched and Get a Decision

Rise Business Funding reviews your application and matches you with lenders in our network suited to your business. You get a decision within 2 hours of a complete document submission.

3

Receive Your Funds

Once you accept an offer and finalize documents with the lender, funds go to your business bank account. Typical funding time is within 24 hours of approval.

Why Business Owners Choose Rise Business Funding

  • Decision Within 2 Hours

    Get a decision within 2 hours of a complete document submission.

  • Free to Apply, No Obligation

    Applying costs nothing, and you're never obligated to accept an offer.

  • Compare Before You Commit

    See the options you qualify for side by side, then pick the one whose payments fit your cash flow.

New York-Specific Resources

New York business owners have access to a range of public and nonprofit financing options worth understanding before you stack your capital plan. Empire State Development administers programs including the New York Forward Loan Fund 2 and the Main Street Capital Loan Fund, both designed for early-stage and underbanked businesses that may not yet qualify for conventional credit. Pursuit, a nonprofit CDFI and SBA Preferred Lender operating statewide since 1955, offers more than 15 programs including SBA 504 loans and the Pursuit SmartLoan up to $100,000. In New York City, Renaissance Economic Development Corporation provides multilingual lending services to immigrant entrepreneurs, and Accompany Capital serves refugee and women-owned businesses with microloans requiring no minimum credit score. These programs are valuable complements to private capital, not replacements for it. When you need a faster decision or larger advance than a CDFI or SBA program can deliver, Rise Business Funding's revenue-based financing fills that gap.

Empire State Development

New York's chief economic development agency administers a suite of capital access programs for small businesses, including the New York Forward Loan Fund 2 (loans up to $150,000), the Main Street Capital Loan Fund (loans up to $100,000 for early-stage businesses), and the New York State Small Business Revolving Loan Fund Round 2 ($63.5M for microloans and loans under $250,000 targeting SEDI-owned and underbanked businesses).

esd.ny.gov

Pursuit

Founded in 1955 as New York Business Development Corporation, Pursuit is a nonprofit CDFI and SBA Preferred Lender offering more than 15 loan programs across NY, NJ, CT, PA, and IL, including SBA 504, SBA 7(a), SBA Microloan, and the Pursuit SmartLoan (up to $100,000 with a fixed 11.9% rate and 6-year term), with a particular focus on underserved and minority business owners statewide.

pursuitlending.com

Accompany Capital

Formerly the Business Center for New Americans, Accompany Capital is a New York City-based nonprofit CDFI that provides microloans from $1,000 to $50,000 and SBA Community Advantage loans from $100,000 to $350,000 to immigrant, refugee, and women entrepreneurs in the five boroughs, with no minimum credit score required for microloans.

accompanycapital.org

Pursuit CDC

Pursuit CDC, formerly The 504 Company, is an SBA Certified Development Company operating in New York, New Jersey, and Pennsylvania that provides SBA 504 loans from $50,000 to $5.5 million for the CDC portion, covering owner-occupied commercial real estate, construction, and major equipment purchases, with up to 90% financing at below-market fixed rates and terms up to 25 years.

pursuitlending.com

SBA Metro New York District Office

The SBA's Metro New York District Office serves 14 counties in New York City, Long Island, and surrounding areas, delivering SBA 7(a) loans, 504 loans, microloans, federal contracting certifications, and counseling through partners including SBDCs, SCORE, and Women's Business Centers.

sba.gov

Renaissance Economic Development Corporation

A U.S. Treasury-certified CDFI and SBA-approved microlender and Community Advantage lender, Renaissance provides low-interest small business loans from $5,000 to $350,000, including a Small Business Express Impact Loan of up to $15,000 for immediate working capital needs, to low-to-moderate income and immigrant entrepreneurs in the New York Metro Area, with multilingual services in English, Chinese, Korean, and Spanish.

renaissancesbs.org

Frequently Asked Questions

About Funding in New York

How does revenue-based financing in New York work?

Revenue-based financing in New York works by advancing your business a lump sum of capital in exchange for a set percentage of your future monthly revenue. Payments are not fixed; they rise when your revenue is strong and decrease when sales slow. This structure is well suited to New York businesses with variable income, such as those in hospitality, retail, or seasonal trades. Rise Business Funding connects you with lenders in our network who specialize in this product and can structure terms around your actual cash flow history.

What credit score do I need to qualify for revenue-based financing in New York?

Most lenders in our network look for a personal FICO score of at least 550. However, revenue-based financing is one of the more flexible products available because approval weight is placed primarily on your monthly revenue rather than your credit profile alone. New York business owners with scores in the 580 to 620 range may still receive offers if their revenue is consistent and strong. Use our business funding calculator to get a sense of what you might qualify for before applying.

How fast can a New York business receive funding?

After submitting your application, you can typically expect a funding decision within 2 hours of a complete document submission. Once you accept an offer and provide any required supporting documents, funds are usually deposited into your business bank account within 24 hours. The timeline can vary based on the lender and how quickly you respond to documentation requests, but most New York small business owners experience a significantly faster process than they would with a traditional bank loan.

Can a New York startup qualify for revenue-based financing?

Revenue-based financing is best suited for businesses that have been operating for at least six months and have a track record of consistent monthly revenue. Because repayment is tied directly to sales, lenders in our network need real revenue data to structure an offer. Very early-stage startups with no sales history are unlikely to qualify. However, if your New York business has been generating revenue for six or more months, even at a modest level, you may be eligible to apply.

What documents are required to apply for New York small business loans?

Requirements vary by lender, but most will ask for three to six months of business bank statements, proof of business registration in New York, a government-issued ID, and basic details about your business such as industry, time in operation, and average monthly revenue. Some lenders may also request recent tax returns or financial statements. Rise Business Funding helps you understand what each lender needs before you submit, so the process moves efficiently and without surprises.

Can an LLC or sole proprietor in New York qualify?

Yes. Both LLCs and sole proprietors can qualify for revenue-based financing in New York. The lenders in our network work with a wide range of business structures, including S-corps, C-corps, partnerships, and sole proprietorships. What matters most is that your business generates consistent monthly revenue and has been operating for at least six months. New York's business environment supports all of these structures, and funding access is not limited to any particular legal formation.

How is revenue-based financing different from a merchant cash advance?

Both products tie repayment to your business revenue, but they differ in how repayment is tracked. A merchant cash advance is typically repaid as a fixed percentage of daily credit and debit card transactions, making it most common among card-heavy businesses like restaurants and retail shops. Revenue-based financing is often repayment as a percentage of total monthly revenue, which can include ACH transfers, invoices, and other income streams. For New York businesses with diverse revenue sources beyond card sales, revenue-based financing may offer a more flexible fit.

Are there state-specific rules that affect revenue-based financing in New York?

New York has some of the most active small business financing disclosure regulations in the country. Under New York's commercial financing disclosure law, lenders providing revenue-based financing and similar products to New York small businesses are required to provide clear disclosures about the total repayment amount, the estimated annual percentage rate, and other key terms before you sign. This adds a layer of transparency that benefits borrowers. Rise Business Funding works with lenders in our network who comply with these requirements, so you can review terms clearly before committing.

Revenue-Based Financing in New York Cities

We serve businesses in Buffalo, New York. Pick your city for local programs, qualification specifics, and city-tailored FAQs.

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