Unsecured
Small Business Loans in 24 hrs

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$10,000 - $10,000,000
Alternative Unsecured Lending

Is your Business in need of a loan?

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Alternative
Unsecured Lending
    Short-Term Loans    Short-Term Loans
Unsecured Business Financing

Short-Term Loans

$10,000 - $1,000,000


In these uncertain times, business managers might be surprised with liquidity shortages. Utilize our short-term loan program to solve an urgent issue or take advantage of an opportunity with next-day funding and minimal docs. Simple. Fast. Easy.

Loan Features -

  • Rates as low as 8.9%
  • Funding within 24 hrs
  • Loan term 3 to 18 months
  • Short & Simple Application

 
Qualify with -

  • At least $8k/mo Business Revenue
  • 4 monthly Business Bank Statements
  • At least 9 months in business
  • FICO® score above 500
  • No past or open bankruptcies

 
Beyond The Numbers -

  • Loans available for most industries
  • No Loan Collateral requirement
  • No Cash Reserve requirement
  • No P&L Statements needed
  • No Tax-Returns needed
  • Get higher Credit Limit with Tax‑Returns
  • Not Hard Money!

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    Merchant Cash Advance    Merchant Cash Advance
Unsecured Business Financing

Merchant Cash Advance

$10,000 – $500,000


The ultimate, quickest, easiest way to get a Business Cash Advance with no collateral and/or weak credit scores. Our cash advance qualifications is simply based upon ongoing sales revenue deposited in your business bank account.

Loan Features -

  • Rates as low as 8.9%
  • Same day application approval
  • Funding within 24 hrs
  • Merchant Financing

 
Qualify with -

  • On track for $120k/yr Biz Revenue
  • At least 9 months in business
  • FICO® score above 500
  • 4 monthly Business Account statements
  • No open bankruptcies allowed

 
Beyond The Numbers -

  • Funding for most industries
  • Use funds for Working Capital
  • No Loan Collateral requirement
  • No Cash Reserve requirement
  • No P&L Statements needed
  • No Tax-Returns needed
  • Get higher Credit Limit with Tax‑Returns
  • Not Hard Money!

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    Lines of Credit    Lines of Credit
Unsecured Business Financing

Lines of Credit

$10,000 – $250,000


Using our Business Line of Credit Program, you can borrow up to a maximum credit limit and only pay interest on the amount of capital that you borrow from your credit line. Excellent way to handle cash-flow gaps and build your credit score.

Loan Features -

  • Rates as low as 6.9%
  • Approval within a few hours
  • Get funds within 7 – 21 days
  • Repayment term 21-60 months
  • No Daily Payments

 
Qualify with -

  • FICO® score 680+
  • Max 9 credit inquiries in 6 months
  • Credit usage below 50%
  • No collections, no liens
  • No charge-offs, no bankruptcies
  • 3-Bureau credit report

 
Beyond The Numbers -

  • Loans available for any industry
  • Co-applicants accepted
  • No loan collateral requirement
  • No P&L statements needed
  • No Tax-Returns or W2s needed
  • Not Hard Money!

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    Bank Term Loans    Bank Term Loans
Unsecured Business Financing

Bank Term Loans

$30,000 – $350,000


Get the extra business financing you need with a business installment loan and benefit from fixed monthly payments. Pay back funds along with fees over a set period of time. Good for financing inventory, new equipment, expansion, etc.

Loan Features -

  • Fixed interest rate from 6.9%
  • Fast approval within 24 hrs
  • Monthly repayments
  • 2 – 5 year terms

 
Qualify with -

  • 2+ years in business
  • 680+ credit score
  • 2 years of tax returns
  • On track for $100k/yr Gross Income
  • Max 40% debt to income ratio
  • No Bankruptcies in last 3 years
  • No tax liens

 
Beyond The Numbers -

  • Loans available for any industry
  • Funding within 2 Weeks
  • 1 Page Application for pre-approval
  • No prepayment penalties
  • No loan collateral requirement
  • Not Hard Money!

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    Income Based Loans    Tax Return Loan
Unsecured Business Financing

Tax Return Loan

$50,000 – $350,000


Use your Gross Annual Income to get long-term unsecured funding for your business at low fixed rates. This will allow you to maximize your growth opportunities while still having the ability to repay early with no prepayment penalties.

Loan Features -

  • Fixed rates starting at 5.9%
  • Repayment term up to 7 years
  • Approval within a few hours
  • Get funds in 7 – 21 days

 
Qualify with -

  • FICO® score above 700
  • Show income above $8k/month
  • 40% debt to income ratio or lower
  • Less than 10 credit inquiries
  • 2 yrs of Tax Returns

 
Beyond The Numbers -

  • Loans available for any industry
  • Loan for business/personal use
  • No prepayment penalties
  • No loan collateral requirement
  • No P&L statements needed
  • Not Hard Money!

Learn more

 
 

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JOIN THOUSANDS WHO
RECEIVED FUNDING!

Loans That Empower Over 500,000 Small Businesses

Providing quick loans, lines of credit, or cash advances to small businesses, outside of the traditional forms of credit offered by a bank, credit union, or the SBA.

As a private business lending club, we provide direct non-bank business financing. Unlike with an equity investor like angel investors and venture capital, our private business loans do not require giving away a portion of your company's equity in order to obtain funds.

SMB Loans (a branch of Business Funding New York LLC) offers unsecured short-term loans ranging from $10,000 – $1,000,000 that can cover a number of needs like operational cash-flow, renovations, inventory, storage, or new equipment to give your company the edge it needs to effectively compete.

Our Alternative Loan selection includes Working Capital Loans, Small Business Lines of Credit, Best Startup Loans, Merchant Cash Advances, Low Credit Loans, Bridge Loans, and Equipment Financing.

While many small business owners think that traditional sources of business capital are the answer, as an alternative lender we are able to provide much quicker access to cash, a significantly easier and streamlined process, and more flexible lending programs process than these institutional lenders.

Our uncollateralized loans are designed to support small and mid-sized businesses in a variety of markets and financial situations where there is difficulty receiving traditional business loans. The high approval rates mean that we say ‘yes' when traditional lenders say 'no'.

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No cost, No Obligation!

FREE
Business Loan Consultation

 

 



MAIN OFFICE

Corporate Headquarters

600 3rd Avenue
New York, NY 10016

 

175 Huguenot St #200
New Rochelle, NY 10801

 



COMMITMENT TO
EXCELLENCE

 



ABOUT US

SMB Loans, a Branch of Business Funding New York LLC, is comprised of a group of highly experienced and seasoned, certified, financial professionals.

With our knowledge and expertise, we will find a solution for all your financing needs. Unlike a bank, or local lending institution, which only lend to the most credit-worthy businesses, SMB Loans with its relationships and national lenders, will match you with the fastest and most affordable financing options you need.

We pride ourselves on delivering the highest standard of customer service. Over the last several years, we have established a reputation as leaders in our field by going above and beyond to ensure your needs and expectations are always met and exceeded.

Please contact us today for a FREE, no-obligation analysis of your financing needs. A member of our professional staff will contact you to discuss your business’s short and long-term financial needs.

 


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