New York Working Capital Financing
Paradise Working Capital is a Hawaii-based business-financing broker that reviews working capital requests from eligible New York businesses. We connect business owners with participating funding sources, while product availability depends on the request, borrower, collateral, and transaction. Tell us a little about what you are working on and we will help you explore the next step.
Pre-qualification starts with a soft credit pull — no impact to your credit score.
Business financing in New York
New York's business financing market is one of the most closely regulated in the country, and we treat it that way — reviewing working capital, equipment, and commercial-property requests for New York companies with extra care around disclosure and structure before anything is presented.
New York may be considered for selected commercial products, with careful screening around commercial disclosures, usury, and agreement structure. The product and agreement structure are reviewed carefully before routing.
Paradise Working Capital reviews selected business-purpose requests from this state. Availability can change by product, borrower, collateral, participating funding source, and transaction requirements.
New York industries we review most
New York is the biggest commercial financing market in the country and one of the most closely regulated — we treat it that way. Merchant cash advance and other sales-based financing are not available in New York through this path, but the non-MCA toolkit remains deep for a market this size.
Wholesale & distribution
The five boroughs move product on 30–60 day terms — factoring receivables from creditworthy customers is a classic New York structure.
Invoice factoringMedical & dental practices
Practice acquisitions, build-outs, and equipment across the metro area and upstate.
SBA & term loansContractors & trades
From Long Island builds to upstate infrastructure work, equipment programs cover the iron.
Equipment financingProfessional services
Firms with contracted revenue and receivables — reviewed on the strength of the book, not just the credit file.
Term loans · Working capitalUpstate manufacturers
Buffalo, Rochester, and Syracuse still make things — and financed equipment is how the floors stay modern.
Equipment financing · Term loansServing New York City, Buffalo, Rochester, Albany, Syracuse, Long Island, and businesses across New York. Products listed are examples of what may be reviewed — availability depends on the request, borrower, and participating funding source.
New York Business Loan Calculator
Move the sliders to see an educational funding estimate. It is not an approval, offer, or substitute for a completed application and document review.
Based on these inputs, this is an estimate to discuss — not an approval or offer.
Soft credit pull to prequalify: applying and finding out if you're approved does not hurt your credit. Approvals in as little as two hours, once the application and all documents are complete. Funding in as little as four hours after approval, often the same day, during lender business hours (Monday through Friday).
This calculator estimates potential business loan funding based on desired amount, monthly revenue, and time in business. Estimates are for illustration only and do not constitute a loan offer.
- Businesses earning $10,000–$25,000/month with 6+ months in business may qualify for $10,000–$50,000
- Businesses earning $25,000–$50,000/month with 1+ year in business may qualify for $50,000–$150,000
- Businesses earning $50,000–$100,000/month with 2+ years in business may qualify for $150,000–$500,000
- Businesses earning $100,000–$250,000/month with 3+ years in business may qualify for $500,000–$1,000,000
- Businesses earning $250,000+/month with 3+ years in business may qualify for $1,000,000–$2,000,000
- Applicable SBA programs may reach up to $7,500,000; equipment financing, commercial real estate, and investment-property requests may go significantly higher — up to $250,000,000 for qualifying equipment financing — subject to program, asset or property, lender, and underwriting requirements.
Need more information? Book a call with Kevin →
Why New York Businesses Choose Us Over a Bank
- Weeks of paperwork, one lender, one shot
- Credit score is almost the only thing that matters
- Big call center, no one who actually knows your business
- Slow — funding in weeks, if approved at all
- One conversation focused on your business and funding goals
- Revenue and cash flow weighed as heavily as credit
- Maya, our AI assistant, responds instantly — day or night
- Clearer review — we explain what information and documents are needed
Start with what your business needs
Whether you are managing cash flow, growing your company, or working on a property project, we can start with a conversation.
Working Capital Loans
Flexible working capital for payroll, inventory, marketing, expansion, or bridging a slow season — approved and funded as quick as the same day with some funding sources, once the application is complete with all documents and required fields filled out. Available programs and terms depend on the request and funding source. Approvals in as little as two hours, once the application and all documents are complete. Funding in as little as four hours after approval, often the same day, during lender business hours (Monday through Friday).
SBA & Term Loans
SBA and term-loan options for qualifying businesses seeking longer repayment periods or growth capital. Programs, terms, and eligibility depend on the request and funding source.
Invoice Factoring
Turn outstanding B2B invoices into working capital — approval and funding as quick as the same day once an invoice is approved. Availability, advance structure, and timing depend on the invoices and funding source. Approvals in as little as two hours, once the application and all documents are complete. Funding in as little as four hours after approval, often the same day, during lender business hours (Monday through Friday).
Hard Money & Real Estate Loans
Property-secured financing for purchases, bridge needs, or cash-out refinancing. Available programs consider the property, request, and overall financing profile.
Years in lending & financial markets
Lenders in our funding platform’s network
Based in Kapolei, Oahu
Local Expertise. Real Access to Capital.
Paradise Working Capital was founded on a simple principle: a business generating real revenue deserves a real path to capital.
With more than 27 years in financial markets and lending, we combine deep industry experience with modern AI tools. Maya, our AI assistant, responds the moment you reach out, and our Oahu-based team personally reviews New York requests from first conversation to close.
What Our Clients Say
Real clients. Real results.
"A seamless process and excellent communication. They secured the bridge capital we needed when our bank was too slow."
"The speed of approval was the difference-maker. We were funded within 24 hours to cover a critical payroll gap."
"I needed equipment fast — a competitor was about to outbid me on a job because I didn't have the right gear. Equipment financing got me approved within a day."
"Had invoices sitting unpaid for 45 days and couldn't make payroll. Did accounts receivable financing and had cash in the account within 48 hours."
Tell us what you have in mind
Share a few details about your business and what you are trying to accomplish. We will take a look and follow up about the paths that may make sense.
Start Your Funding Review
Soft credit pull to prequalify: applying and finding out if you're approved does not hurt your credit. Approvals in as little as two hours, once the application and all documents are complete. Funding in as little as four hours after approval, often the same day, during lender business hours (Monday through Friday).
To identify a suitable program, we need the completed form and the requested business documents. You can upload them below so we can review the full picture; additional information may be requested depending on the program and funding source.
Missing documents, or items that need manual underwriting review, can delay approval and funding. That includes an NSF or overdraft that needs an explanation, and money moved between personal and business accounts. Explaining these up front helps keep things moving. Write them here.
⚠️ Required for an accurate review: at least 3 months of recent business bank statements (some programs need up to 6), your business EIN / Tax ID number, a government-issued photo ID (required to submit), plus your business details below (time in business, entity type, revenue). Applications missing these go to manual review, which slows things down.
You're In — Application Received!
Thank you for your submission. Please check your email — we're sending you next steps and instructions right now. Don't see it in a few minutes? Check your spam or junk folder, just in case.
A local funding advisor will review the completed information and documents. If anything is missing, we will let you know what is needed before potential program options can be evaluated.
Your application needs manual review because some required information (bank statements) is missing. One of our teammates will reach out shortly to get what's needed.
New York Frequently Asked Questions
How is this different from a bank loan?
Paradise Working Capital is a broker rather than a lender. We review your business-purpose request and may connect you with participating funding sources. The information and documents requested depend on the program and funding source.
How much can I borrow?
Program ranges vary. The amount, structure, and terms depend on the request, the completed information and documents, the business or property, and the funding source’s review.
How fast will I actually get the money?
Timing varies by program, request, funding source, and how quickly the file can be completed. Any timing discussed is an estimate, not a promise.
Will applying hurt my credit score?
Our initial pre-qualification review uses a soft credit pull that does not affect your credit score.
What's the minimum credit score required?
Credit requirements vary by program and funding source. Credit is only one part of the review, but no particular score guarantees eligibility.
What industries do you work with?
We review many business types, including restaurants, contractors, retail, auto, medical, tourism, real estate, insurance, and more. Availability depends on the request, the business, and the program.
What documents will I need?
A completed form and the documents relevant to your request are needed for a meaningful review. These may include 3–6 months of bank statements, existing debt information, financial statements, identification, invoices, equipment information, or property records. Additional items may be requested depending on the program and funding source.
What types of financing may be reviewed?
Selected working capital, equipment, term-loan, factoring, and commercial-property requests. Availability depends on the request, borrower, collateral, participating funding source, and transaction requirements.
Do you offer hard money or bridge loans in New York?
Property-backed business-purpose requests in New York may be reviewed. The product and agreement structure are reviewed carefully before routing.
Is Paradise Working Capital based in New York?
No — we're based in Kapolei, Oahu, Hawaii, and review business-purpose financing requests from New York remotely. Maya, our AI assistant, is available any time, day or night, backed by a team with over 27 years of lending and financial experience.
What should a New York business know before applying?
New York may be considered for selected commercial products, with careful screening around commercial disclosures, usury, and agreement structure. A specialist confirms product, borrower, collateral, and lender requirements before any options are presented.
Do you offer merchant cash advances in New York?
No — merchant cash advance and other sales-based financing are not available in New York through this path. New York businesses are reviewed for working capital, term-loan, factoring, and equipment structures instead.
Do New York's commercial financing disclosure rules affect my request?
New York requires commercial-financing disclosures on certain covered transactions, and agreement structure gets careful screening in this state. We handle that as part of the review — it changes the paperwork, not whether your request gets looked at.