Serving New York and surrounding areas

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/month 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!




Business Loan

Speak to a Loan Specialist
No-Cost, No-Obligation

    I need an unsecured business loanI need approval & funding within 24‑48hrsI want to speak ASAP to a Loan SpecialistI need your Loan ApplicationI have a cosigner, if requiredI value reliable customer service

    NOTE: We respect your privacy. We’ll never sell or share your information with spammers!


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    What we Do

    Small & Midsize Business Financing

    Working Capital – Short-Term Business Loans

    These unsecured commercial short-term financing is designed to assist businesses in need of immediate capital while awaiting funding. Because banks could take a long time to fund a business loan application, you should consider alternative lending. SMB Loans is a top short-term alternative lender with ability to fund loan application in as little as a day, and almost never over a week.

    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.

    Short term unsecured funds available for 3mo to 18mo duration. Typically utilized for unexpected investment opportunities and/or construction purposes, or help finance the day-to-day operations of many businesses. This being unsecured credit, NOT hard money, requires a reasonable FICO® and proof of ability to repay debt. It is a preferred method of financing for many businesses due to the higher approval rates, simplicity of the process and the ability to get access to funds quickly.

    Bridge Loans for Businesses

    Many times a company is approved for a loan through its bank, or financial institution, but the loan doesn’t close for several months. Our Business Bridge Loans help business owners bridge the gap financially until long-term financing can be funded. In addition, these Commercial Bridge Short-Term Loans can also be used by borrowers not yet able to qualify for permanent financing.

    Our unsecured business lending focuses on your current business performance to determine loan worthiness rather than on collateral or assets.

    Business Services

    1→2→3→ Fast Loans

    Funding solutions tailored to your business needs

    SMB Loans is a new business lending solution that is simple, quick, and designed to meet each borrower’s particular need.

    1.APPLY – To get started, share some basic information with us, such as annual revenue, time in business, and where you’re located.

    2.APPROVAL – Our lending solution almost never depends on credit scores. Instead, we use latest technology, banking

    information, and analytics to understand the overall health of your business.

    3.ACCESS FUNDS – Once your application is approved, you’ll decide what amount to accept, determine what repayment term works best for you, and designate which account is to be funded.

    Call or fill out an application today to give your business the boost it may need.

    Success Stories

    Unsecured Bank Statement Loans of Self-Employed

    Jone Than, San Diego CA

    In the old days, when my father took out a business loan, it was through a crowded local bank and by sending many faxes.

    Now, while Ben was with me on the phone, I completed an easy online application. I was welcomed by a professional who cared about making me comfortable along the way. I received a wonderful, personal service from start to finish… and funds within 48hrs.

    San Diego, CA
    Dec 2017

    Dara Kasten, Savannah Tennessee

    I wanted to extend a heartfelt thanks. I know you were doing your job: just thank you for saving my dream. life has been rough since this began mom and u put all we had into it. I did not know what to expect. everyday lately i struggled trying to get noticed and bring people in. my daughter and adopted child didn’t help much at all. my other half would help a bit financially but would pocket money that was for the business. in the process of trying to help everyone it just fell apart. all I felt was the pain of bankrupting my mom…not being able to pay her back as I promised….not being able to take care of her in her old age. being a failure. lost my car…my pride and self worth about to loose my possible lively hood my dream.. lost my faith in God questioning y tp all this bad stuff I thought this was gift from God at first….for surviving and struggling after a 10 year abusive marriage. I reached out to yall as a last ditch effort for reviving it all. not the most idea ways of obtaining the monies needed…but hey regardless of the pay back fees and credit cards it’s a life boat and i am kinda smart lol. just thank yall for saving my life and restoring my faith.

    Horseshoe Sports Bar & Grill
    Savannah Tennessee
    Feb 2018

    Gil Thompson, New York NY

    I can’t say enough about Ben, and how helpful he was during this whole process, he’s absolutely the best! I was in a situation with some time constraints, and Ben managed to get everything done within the necessary timeframe. I had a lot of questions, and he answered them all, was always knowledgeable and kind.

    New York, NY
    May 2018

    Jim S.

    Startup manufacturer needed $100,000

    Joan P.

    Optometrist needed $75,000 to expand her business

    Frank A.

    Needed $125,000 to increase his inventory for the upcoming season

    About Us

    New York‘s Best Business Loans

    The Ultimate Source For Unsecured Business Loans

    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.

    Whether you need to get new equipment, finance your accounts receivable, raise working capital, acquire a company or finance anything Real Estate, SMB Loans can do it for you!

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    Disclousure: is the property of Business Funding New York, LLC

    Contact Us

    600 3rd Avenue, New York, NY 10016

    M-F: 8am-8pm (ET)