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    New York

    Business Loans in New York

    Apply once and get matched with lenders that fund New York businesses, across lines of credit, term loans, equipment and real estate financing and SBA loans.

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    Financing for New York businesses

    Business Line of Credit

    Revolving access to cash for payroll, inventory and slow months. Pay interest only on what you draw.

    ApplyHow it works

    Term Loan

    A lump sum with fixed payments for expansion, acquisitions or large purchases.

    ApplyHow it works

    Equipment Financing

    Finance vehicles, machinery and technology, secured by the equipment itself.

    ApplyHow it works

    Real Estate Loan

    Buy, build or refinance owner-occupied or investment commercial property.

    ApplyHow it works

    SBA Loan

    Government-backed 7(a) and 504 loans with longer terms, available through SBA-approved lenders.

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    Working Capital Loan

    Short-term funding for day-to-day operations and growth.

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    How matching works

    • Tell us about your business, your financing needs and where you operate.
    • We compare your application with each lender's criteria, including whether they lend in New York.
    • Matched lenders review your application and can send offers or questions through your dashboard.
    • You compare offers side by side and choose, with no obligation to accept.

    Documents to have ready

    • Business bank statements (often the last 3–6 months)
    • Recent business and personal tax returns
    • Profit and loss statement and balance sheet
    • Ownership details for anyone owning 20% or more

    Cost disclosures in New York

    New York has a commercial financing disclosure law. For many commercial financing offers, providers must give you a written disclosure of the total cost, such as the amount financed, the finance charge and often an estimated APR, before you sign. Use it to compare offers on the same terms.

    Common questions

    Do all lenders lend in New York?
    No. Many lenders only fund businesses in certain states. Direct Credit only matches your application with lenders whose criteria include New York.
    Are SBA loans available in New York?
    Yes. SBA 7(a) and 504 loans are available nationwide through SBA-approved lenders, including for New York businesses.
    Does applying affect my credit?
    Applying doesn't affect your credit score: lenders review your credit with a soft inquiry. A hard inquiry happens only if you accept an offer and the lender asks for one.

    Financing for your New York business

    One application. Matched lenders. Offers you can compare side by side.

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