Rise Business Funding

Term Loans in New York, New York

New York City's economy spans finance, hospitality, retail, healthcare, and technology across five boroughs. Whether you operate in Midtown Manhattan, the Bronx, or Brooklyn, Rise Business Funding connects your business with lenders offering term loans sized for the pace and scale of New York.

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$5K to $5M

Term loan amounts available through our lender network

Decisions in 24 Hours

Fast credit decisions so New York businesses can move quickly

All 5 Boroughs

Serving businesses across Manhattan, Brooklyn, Queens, the Bronx, and Staten Island

About Term Loans in New York

New York City's Commercial Rent Tax applies to any business occupying commercial space in Manhattan south of 96th Street with annualized gross rent of at least $250,000. The 6% levy on base rent compounds an already demanding cost structure. For a construction firm in the Mid-Hudson region scaling up to meet demand, or a private school expanding classroom capacity near the CUNY system, that overhead is predictable and persistent. A fixed-rate business term loan lets you model repayment costs with the same precision your accountant applies to your tax exposure, because the payment schedule does not shift when revenue fluctuates.

New York City completed nearly 45,000 new housing units in 2025, including close to 6,000 office-to-residential conversions. That output pushed demand for real estate business loans and construction business loans sharply upward across the five boroughs and into the Mid-Hudson corridor, which held the highest construction employment share of any New York region in 2024. Private schools and higher-education adjacent businesses serving Columbia, NYU, Fordham, and the CUNY network have simultaneously faced rising compliance costs. New York's Paid Prenatal Leave Law, effective January 1, 2025, requires employers of every size to provide up to 20 hours of paid leave annually. These are not temporary pressures. They are structural costs that benefit from a structured financing response.

Agriculture and food production operators face a different timeline. New York lost 500 farms and 100,000 acres of farmland between 2024 and 2025, a decline rate double the national average. Hudson Valley and Finger Lakes producers investing in processing infrastructure or agritourism need capital that can bridge a full growing season. A term loan with a 24- to 60-month repayment window suits that cycle far better than a short-term business loan built around 90-day merchant revenue. Rise Business Funding structures term financing around your industry calendar. Use the business funding calculator to model payment schedules before you apply.

Financing Options in New York

Every product Rise Business Funding offers is available to New York businesses. Choose the structure that fits how you want to access and repay capital.

Term Loans

Receive a fixed lump sum repaid over a set schedule, typically one to five years. Term loans are well-suited for expansion projects, equipment purchases, and working capital investments in New York's high-cost operating environment.

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SBA Loans

SBA-backed loans offer longer repayment windows and competitive rates for qualifying New York businesses. Lenders in our network help businesses navigate the SBA process for 7(a) loans and other programs.

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Business Line of Credit

A revolving line of credit lets New York business owners draw funds as needed and repay on a flexible basis. This product works well for managing the unpredictable cash flow cycles common in a city like New York.

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Merchant Cash Advance

Businesses with strong daily card sales can access a merchant cash advance repaid as a percentage of future revenue. This is a fast, collateral-free option popular among retail and hospitality operators across the city.

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Equipment Financing

Finance commercial kitchen equipment, vehicles, technology hardware, or specialized machinery with loans secured by the equipment itself. Equipment financing preserves working capital while helping New York businesses stay competitive.

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Revenue-Based Financing

Repayments adjust with your monthly revenue, making this product flexible for New York businesses with seasonal or variable income. Lenders in our network size advances based on recent revenue history.

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Requirements to Qualify

New York businesses typically meet the following thresholds. Even if you fall short on one factor, Rise Business Funding evaluates your full financial picture.

Minimum Credit Score

FICO 600+

A personal FICO score of 600 or above is the standard entry point for most lenders in our network. New York business owners with stronger credit typically access larger loan amounts and longer repayment terms.

Monthly Revenue

$25,000+

Lenders evaluate monthly revenue to confirm repayment capacity. Given New York City's high operating costs, demonstrating consistent monthly revenue above $25,000 helps support stronger loan offers.

Time in Business

6+ Months

Most lenders in our network require at least six months of operating history. New York startups that have passed the initial launch phase can begin exploring term loan options with a demonstrated track record.

Business Bank Account

Required

An active business checking account is required for application and fund disbursement. Keeping business and personal finances separate also strengthens your application profile with lenders.

How It Works in New York

1

Submit Your Application

Complete a single streamlined application in minutes. Provide basic information about your New York business, your monthly revenue, and the funding amount you need. No lengthy paperwork required to get started.

2

Receive a Decision

Rise Business Funding matches your profile to lenders in our network suited to your business type and financing goals. Most applicants receive a credit decision within 24 hours of submission.

3

Get Funded

Once you review and accept a loan offer, funds are deposited directly into your business bank account. Many New York business owners receive funding within one to three business days of approval.

Why New York Business Owners Choose Rise Business Funding

  • One Application, Multiple Lenders

    Rise Business Funding submits your profile to a curated network of vetted lenders simultaneously, saving you time and increasing your chances of a competitive offer.

  • Built for New York's Business Environment

    Lenders in our network understand the high-cost, high-revenue dynamics of operating in New York City, from commercial lease obligations to borough-specific industry cycles.

  • Fast, Transparent Process

    Decisions arrive in as little as 24 hours with no hidden fees or surprises. We walk you through every offer so you understand the terms before you commit.

  • Broad Product Range

    From short-term working capital to multi-year term loans and SBA-backed financing, the lender network covers the full spectrum of funding needs facing New York businesses.

Industries We Serve in New York

From the dominant sectors of the New York economy to the small operators that keep neighborhoods running, Rise Business Funding works across every legitimate industry.

New York-Specific Resources

New York City's small business ecosystem includes a dense network of mission-driven lenders that complement private financing rather than replace it. Empire State Development administers several capital access programs, including the New York Forward Loan Fund 2 and the Main Street Capital Loan Fund, both designed for early-stage or underserved operators who may not yet qualify for conventional credit. Pursuit, a nonprofit CDFI and SBA Preferred Lender operating since 1955, extends SBA 7(a) and 504 products alongside its own SmartLoan program for established businesses. Accompany Capital focuses specifically on immigrant and refugee entrepreneurs across the five boroughs, with microloans requiring no minimum credit score. Renaissance Economic Development Corporation adds multilingual loan services from $5,000 to $350,000 for low-to-moderate-income business owners. Where these programs fall short on speed or loan size, Rise Business Funding's term loans fill the 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

To access term loans in New York, New York, start by submitting an application through Rise Business Funding. You provide basic information about your business, monthly revenue, and funding goal. We match your profile to lenders in our network suited to your industry and location across the five boroughs. Most applicants receive a decision within 24 hours. New York-based businesses benefit from a large lender network familiar with the city's operating costs and revenue patterns, which often results in more competitive offers than approaching a single local bank.

Get a Term Loan Today

Apply in under 5 minutes. No credit impact. Funding decisions in 24 hours.

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