New York Business Loans — Capital for New York's Small Business Economy
New York's economy runs at a different speed — whether you're in the five boroughs, Buffalo, Rochester, or somewhere in between. Your capital needs don't wait for a 60-day bank application.
Four Point Group offers New York business loans from $10K to $1M, underwritten on your revenue history. No personal assets required. Decisions in days.
Who Qualifies for New York Business Loans?
Most New York business loan applicants have:
- **$20K+ average monthly revenue** (3–6 month trailing average via bank statements)
- **6+ months in business** operating in New York State
- **Active business checking account** showing consistent deposit patterns
What Can New York Business Loans Cover?
- **Working capital** — bridge cash flow between slow and peak seasons
- **Equipment and inventory** — purchase equipment or stock up for peak demand
- **New location costs** — lease deposits, build-out, initial inventory
- **Payroll bridge** — cover staffing costs during transitions
- **Renovation and growth** — update your space or open a new location
Why New York Businesses Choose Four Point Group
- **Revenue-based underwriting** — bank statements over credit scores
- **No personal collateral required** — your personal assets are not part of the deal
- **Fast decisions** — 5-minute application, 24-hour advisor response
- **Statewide coverage** — NYC, Long Island, Hudson Valley, and upstate
**No hard credit pull on the initial application.** Apply in 5 minutes, get a response within 24 hours.
**Apply for New York business loans** — 5-minute application, 24-hour advisor response.