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Small Business Solutions

Loans

At 1st New York Capital, we understand the unique challenges faced by small... Learn more

Business Tools

Legal Services

Protecting your business is crucial, and at 1st New York Capital, our Small... Learn more

Flexible Financing Features Tailored to Your Needs

At 1st New York Capital, we prioritize flexibility and transparency to help your business thrive. Our financing options are designed to adapt to your unique goals, offering unsecured loans, predictable terms, and repayment plans that work for you. Explore the standout features that set us apart and give you the freedom to focus on what matters most—growing your business.

Unsecured Options

Enjoy financing up to $750,000 with no collateral required.

Predictable Terms

Fixed repayment schedules provide consistency and peace of mind.

Flexible Repayment

Access revolving credit with interest-only options and deferred principal.

Unlimited Line of Credit Drafts

Access your funds whenever you need them, with no limits or restrictions on drafts.

Partial Principal Draws & Paydowns

Manage cash flow with tailored draw and paydown options.

Early Payoff With No Penalties

Repay your loan early without incurring additional fees.

Sarah T., Retail Store Owner

1st New York Capital completely transformed how we manage our cash flow. Their flexible repayment options allowed us to navigate a challenging season without missing a beat. The process was fast, transparent, and tailored to our needs. I can’t recommend them enough!

Miguel R., Restaurant Owner

After struggling to find a loan that fit our growing restaurant’s needs, 1st New York Capital was a game-changer. Their unsecured line of credit gave us the financial flexibility to expand our seating area and hire additional staff. The team was incredibly supportive throughout the process.

Denise K., Cleaning Services Entrepreneur

I was impressed by how straightforward and efficient the entire experience was. The team at 1st New York Capital walked me through every step, and their no-penalty early payoff option gave me peace of mind. They genuinely care about small businesses.

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