Running a business in NYC takes hustle—and fast access to capital. A merchant cash advance gives you the funding you need, based on your revenue, without the wait or red tape.
Merchant cash advances in New York City that work for you
Quick access to cash
Apply in minutes. Get approved in as fast as 2 hours. Funds could land in your account in as fast as 4 hours.
Use the funding as you see fit
Whether you’re hiring staff, ordering inventory, or pushing a new promotion—you control how the money gets used.
Remittances that adjust with sales
Remittances are based on your daily revenue. So if sales slow down, your remittances do too.
Request a quote
As fast as 2 hours
As fast as 4 hours
Billion in financing
Small businesses financed
As fast as 2 hours
As fast as 4 hours
Billion in financing
Small businesses financed
Apply online in minutes
Traditional bank loans require mountains of paperwork and weeks of waiting—and still have staggeringly low approval rates.
With a Credibly Merchant Cash Advance, enjoy an easy application process with friendly experts to guide you and fast access to capital.
Credibly provides merchant cash advances with:
You can use the advance as you see fit for your business–cover temporary cash flow shortfalls, purchase more inventory, meet payroll.
Fluctuating revenue or a poor credit score shouldn’t prevent a healthy, growing business from reaching its full potential.
To qualify for an MCA, you will likely need:
Click “Get Started” to apply for financing.
We require certain documents from you in the approval process. Be ready with bank statements and a government-issued ID to get started.
Your loan application will be reviewed and you can get approved in as fast as 2 hours.
If approved, your requested financing can be transferred to your bank account as soon as the same business day.
What our customers say about our merchant cash advance services in New York City
After dealing with multiple funding companies, this is the only company that presented me an offer with no pressure or false promises. Every other company I spoke with said they could beat Credibly’s offer, but most fail short. This was my second round of funding with Credibly and they are by far the most straightforward merchant cash advance company that I could find. Wherever you go, working capital is expensive and it can be exhausting with all the calls. A lot of other companies I had to report for shopping my information around and pulling my credit without consent. Credibly presented me an offer and allowed me to breath while I made a choice I could only make for my business. Not once did they ask for other companies offers. I am hoping to not need any other cash advances in the future, but this will be the only place if I do.”
Mick Sibinovic is a man of his word. He is very responsive, informative & persistent!! He made me feel like more than just a number, which is why even with multiple other offers I still chose to go with credibly. I reached out first a couple months back and after he diligently worked hard to get me the best funding options, I turned it down. He welcomed me back with open arms this time around. Not only is he partnering with me on a short term strategy but a long term strategy as well. I’m excited to see where my business will go & grow with the help of Mick.”
I run a small business and have utilized multiple other lenders for capital as needed. This is my second time funding with Credibly. Mr. Andrew Jasina did an outstanding job in laying out options for funding. He addressed my questions and was able to find a solution that fit our needs. If you or anyone you know is looking for capital, I would strongly recommend speaking with Andrew @ Credibly.”
After dealing with multiple funding companies, this is the only company that presented me an offer with no pressure or false promises. Every other company I spoke with said they could beat Credibly’s offer, but most fail short. This was my second round of funding with Credibly and they are by far the most straightforward merchant cash advance company that I could find. Wherever you go, working capital is expensive and it can be exhausting with all the calls. A lot of other companies I had to report for shopping my information around and pulling my credit without consent. Credibly presented me an offer and allowed me to breath while I made a choice I could only make for my business. Not once did they ask for other companies offers. I am hoping to not need any other cash advances in the future, but this will be the only place if I do.”
Mick Sibinovic is a man of his word. He is very responsive, informative & persistent!! He made me feel like more than just a number, which is why even with multiple other offers I still chose to go with credibly. I reached out first a couple months back and after he diligently worked hard to get me the best funding options, I turned it down. He welcomed me back with open arms this time around. Not only is he partnering with me on a short term strategy but a long term strategy as well. I’m excited to see where my business will go & grow with the help of Mick.”
I run a small business and have utilized multiple other lenders for capital as needed. This is my second time funding with Credibly. Mr. Andrew Jasina did an outstanding job in laying out options for funding. He addressed my questions and was able to find a solution that fit our needs. If you or anyone you know is looking for capital, I would strongly recommend speaking with Andrew @ Credibly.”
Still looking for the right fit? Check out all of Credibly's business financing options.
Credibly | Bank Loans | Credit Cards | SBA Loans | |
|---|---|---|---|---|
Funding Range | $5K-$600K | $100K | Credit dependent | Credit dependent |
Process | Pre-qualify online Soft credit pull only | Long application, credit inspection, business plan, and industry risk | Prequalify online Soft credit pull only | Long application, credit inspection, business plan, and industry risk |
Approval Time | Approval in as fast as 2 hours | Weeks-Months | Less than 30 Days | Months |
Time to Funding | as fast as 4 hours | 2-3 Months | 7-10 Business days | 60-90+ Days |
Approval Criterias | Overall business health | Credit score and collateral | Credit score | Credit score and collateral |
How do remittances work with a merchant cash advance in New York City?
Remittances for a merchant cash advance in New York City are designed to follow your cash flow. Instead of monthly bills, the financing provider collects either a percentage of each card sale or a fixed daily or weekly amount based on your average revenue.
Either approach matches remittances to the rhythm of your sales, so you can meet obligations without the surprise of a one‑size‑fits‑all monthly bill.
What is the alternative to a merchant cash advance in New York City?
You have choices beyond MCAs in New York City:
These alternatives may be slower or require stronger credit, but they can preserve margin, reduce cost, and support long‑term growth.
Who should consider a merchant cash advance?
Merchant cash advances suit specific situations. They can be attractive for seasonal or online businesses that handle most transactions through credit and debit cards.
If you have uneven revenue cycles, remittances can shrink during slower months, making it easier to manage cash flow. Applicants with less-than-perfect credit are often more likely to qualify for an MCA than a traditional loan.
MCAs can provide quick cash for short-term opportunities, such as purchasing discounted inventory or covering emergencies. When factor rates are high, treat the advance cost as part of your cost of goods.
Businesses with steady card receipts and a disciplined plan to generate return on investment benefit most from this financing overall.
How does remittance structure affect cash flow?
Remittances via MCAs match your daily revenue patterns. Providers withhold a fixed percentage of each credit/debit sale (“holdback”), so you pay proportionally to earnings.
On slow days you pay less.
On busy days you remit more. Some providers offer fixed daily or weekly amounts based on average revenue.
How can overspending on MCAs lead to a debt cycle?
Frequent use of MCAs to cover cash shortfalls can create a debt cycle. If one advance eats up sales, you may need another MCA just to keep cash flowing.
In extreme cases, businesses have faced bankruptcy after relying repeatedly on quick MCAs. You may also face legal issues if a financing provider has terms against taking multiple financing obligations at the same time. Before taking on multiple MCAs, talk to your financing provider about your options.
To avoid this trap, treat MCAs as short‑term tools only, use them strategically, and build a remittance plan before applying.
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*On term lengths: Financing terms are based on a good-faith estimate and assume consistent monthly revenue. Actual time to satisfy the MCA may vary.
**Some products are made available through Credibly’s network of external funding partners.
