New York Market
New York isn't just a city — it's the financial capital of the world AND a state with 2 million+ businesses across every industry imaginable. Manhattan drives global finance, media, and tech. Long Island has one of the densest healthcare and manufacturing corridors on the East Coast. Westchester and the Hudson Valley are booming with commercial development as businesses flee NYC costs. Buffalo and Rochester are experiencing a manufacturing and biotech renaissance.
But New York is brutally expensive to operate in. Commercial rents in Manhattan are the highest in the world. Regulations are complex. Labor costs are among the highest in the nation. A business that needs $2M in Dallas might need $4M in New York just to accomplish the same thing. Smart financing — capital stacking, SBA products, competitive rates from 70+ lenders — isn't a luxury in New York. It's the difference between growing and going under.
Real Results
Real financing scenarios for New York businesses. Every number is based on actual transactions through our lender network.
$6.5M acquisition of a mixed-use property in the Flatiron District. Retail ground floor, office above. Capital stack: $4M SBA 504, $1.5M conventional bridge, $1M working capital for renovation. 15% down. Closed in 28 days.
$6.5M capital stack → 3 products → Flatiron District
$2.3M to acquire a multi-location dental group in Nassau County. 8 operatories across 2 locations. SBA 7(a) with 10% down. Practice revenue: $3.8M/year. Beat two competing DSO offers by closing faster.
$2.3M funded → beat DSOs → 10% down
$3.2M capital stack for a precision manufacturer expanding into aerospace contracts. $1.8M facility (SBA 504), $1M equipment line for CNC machines, $400K working capital. Positioned for $8M+ in new contracts.
$3.2M capital stack → aerospace ready → 3 products
$900K for a restaurant group opening a third location in Williamsburg. Kitchen buildout + equipment + 4 months working capital. SBA 7(a) with 10% down. First two locations generating $4.2M combined revenue.
$900K funded → 10% down → 3rd NYC location
$1.5M for a commercial GC mobilizing for three simultaneous Hudson Valley projects. $900K equipment + $600K working capital for crew and materials.
$1.5M funded → 2 products → 3 projects mobilized
$1.4M in optical manufacturing equipment. 10% down ($140K). Section 179 deducted $1.4M. At combined NY federal+state rate of ~45%, tax savings: $630K.
$1.4M equipment → $140K down → $630K tax savings
“Manhattan real estate doesn't wait. We had 5 days to produce a financing commitment or lose a Flatiron property to an all-cash buyer. Basecamp had a term sheet in 3 days and closed the full $6.5M capital stack in 28 days. No single bank could have structured that financing.”
— Commercial property investor, Manhattan NY
Get Started
One application — 60 seconds. 70+ lenders compete. Your dedicated specialist presents your best options.
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Industries We Fund
NYU, Mount Sinai, Northwell — New York's healthcare system is massive. Practice acquisitions and expansions are constant across every metro.
🏗️New York never stops building. Manhattan towers, Long Island hospitals, Buffalo manufacturing facilities — constant capital demand.
🍽️NYC is the global food capital. Brooklyn, Manhattan, Queens — restaurant groups expand and new concepts launch every week.
🏭Long Island, Buffalo, Rochester — New York's manufacturing corridors are experiencing a renaissance in aerospace, optics, and biotech.
⚖️NYC is the largest legal market in the world. Law firms need working capital, practice acquisitions, and office buildouts.
📦JFK and Newark airports plus massive port infrastructure make New York a wholesale powerhouse.
🚛I-87 and I-95 corridors connect New York's ports to the entire Northeast. Fleet expansion demand is constant.
💆Manhattan and the Hamptons drive a massive aesthetics market. Med spas need equipment financing and working capital.
🔧30M+ registered vehicles in NY. Urban driving wear, salt damage, emissions inspections drive constant demand.
Market Data
| Metro | 2025 CRE Lending Vol | Hottest Sector | Avg Transaction | Vacancy Trend |
|---|---|---|---|---|
| Manhattan | $6.2B | Multifamily / mixed-use | $8.5M | Rising (office) |
| Brooklyn/Queens | $2.8B | Multifamily / industrial | $3.2M | Stable |
| Long Island | $2.5B | Medical / industrial | $2.8M | Stable |
| Westchester/Hudson | $1.8B | Mixed-use / multifamily | $2.5M | Declining |
| Buffalo-Rochester | $1.5B | Industrial / medical | $1.8M | Stable |
| Other NY metros | $1.1B | Mixed | $1.5M | Varies |
New York's $15.9B CRE market has the highest per-transaction size in the nation. Manhattan dominates, but Brooklyn, Long Island, and upstate metros are all seeing aggressive commercial development.
See What You Qualify For in New York →By City
City-specific funding guides with local market data, funded scenarios, and lender insights.
Whether you're a growing startup or a multi-million-dollar operation, we match you with the right product and amount.
$10K – $1M
Revenue-based funding for working capital, equipment, and growth. Most fund in 1–3 days.
See What You Qualify For →$1M – $5M
Structured financing with capital stacking. Dedicated commercial specialist. Multiple lenders optimized.
Talk to a Commercial Specialist →$5M – $10M+
Complex transactions. Multi-lender capital stacks. Acquisitions, CRE, fleet buildouts. Dedicated team.
Request a Financing Review →Products
Every product available through our 70+ lender network. Each links to a detailed product page.
Flexible cash to cover operations, payroll, and growth.
Draw funds as needed. Only pay interest on what you use.
Finance or lease equipment with the asset as collateral.
Government-backed loans with competitive rates and long terms.
Get paid today on invoices due in 30–90 days.
Repayments flex with your daily or weekly revenue.
Lump sum with fixed monthly payments over 6 months–10 years.
Advance on future card sales. Fast funding, flexible repayment.
Finance property purchases, renovations, or refinancing.
Funding built for franchise acquisitions and expansions.
Acquire a competitor, buy a practice, expand your portfolio.
Fund large orders before you fulfill them. The PO is the collateral.
Requirements
Most New York businesses qualify. Here's what you need to get started.
Based on your last 4 months of bank deposits
Minimum time in business for most products
Dedicated business account required
Proof your business is registered
Driver's license or passport
Lenders for every credit profile
FAQ
Our team funds New York businesses from Manhattan to Buffalo — and the common thread is transaction size. New York has the highest average transaction size in the country. A mixed-use property in Flatiron needs a $6.5M capital stack. A dental group on Long Island needs $2.3M to beat competing DSO offers. A manufacturer in Buffalo needs $3.2M to land aerospace contracts. These aren't transactions that one bank can handle. Capital stacking — SBA 504, equipment financing, working capital, bridge — is how our team gets it done.
New York's $15.9B CRE market is massive, but it's also competitive. Manhattan properties move in days, not weeks. Brooklyn multifamily attracts 10+ offers. Even upstate, the Micron investment in Syracuse is creating a land rush for commercial and industrial space. If your financing takes 60–90 days at a bank, you're losing opportunities to competitors who move faster.
Here's what works: have your financing structured before you make the offer. One 60-second application reaches 70+ lenders who compete for your business. Our team presents your best options, structures the capital stack, and closes fast. Run your numbers through our commercial funding calculator to see what you qualify for, or go straight to commercial financing for transactions over $1M.
— Bobby Friel, Basecamp Funding - Founder
One application. 70+ lenders compete. Your dedicated specialist presents your best options.
No credit impact · No obligation · 60 seconds
