From Restaurants using Toast POS to fast casual — New York City operators get $25,000 to $5,000,000 funded in 4 hours. No collateral. FICO 500+ accepted. Built for the realities of how New York City businesses actually run.
Apply Now →$25K to $5M on any POS — approved on your revenue, funded in as little as 24 hours. Higher limits than processor-tied lenders.
Start your application in about a minute. A real decision fast — soft credit pull, no obligation.
START MY APPLICATION →🔒 Soft credit pull · will not affect your credit score
Whether you're scaling a restaurants using toast pos operation or covering payroll on a project gap, we fund New York City businesses across every major industry.
New York City's economy runs on restaurants using toast pos, full-service, fast casual. We work with operators across all of them.
Capital tailored for restaurants using toast pos operators in New York City. Equipment, payroll bridge, expansion, working capital — funded in 4 hours.
Capital tailored for full-service operators in New York City. Equipment, payroll bridge, expansion, working capital — funded in 4 hours.
Capital tailored for fast casual operators in New York City. Equipment, payroll bridge, expansion, working capital — funded in 4 hours.
New York City operators don't have 90 days to wait on a bank loan. We approve in hours, fund in 24. Apply by 10am and there's a real chance you're funded by end of day.
We've funded New York City businesses across restaurants using toast pos, full-service, and more. We know how New York City's economy actually moves.
Most lenders require FICO 680+. We underwrite on bank statement health and cash flow, not just credit score. New York City operators with 500+ regularly qualify.
Just three months of business bank statements. No P&L, no business plan, no financial projections. Your bank deposits tell us what we need to know.
5-minute application. Soft credit pull (no impact). Decision in hours. Funded in 4.
Apply Now →Approved on your revenue, not just your credit. Start your 1-minute application.
Independent and POS-agnostic — a faster, higher-limit alternative to processor-tied offers. We are not Toast, Inc.
Toast, Square, Clover, Aloha, TouchBistro — keep or switch processors without losing your funding.
Decision in as little as 4 hours, money wired in 24–48. Same-day for clean files.
Up to $5M vs a processor cap. 500+ FICO accepted, underwritten on your deposits and sales.
Approved on your deposits, not just your score. Funded in as little as 24 hours.
$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.
START MY 1-MINUTE APPLICATION →No obligation · takes about a minute