Frequently asked questions

NYCAP Fund is a direct funder. We provide unsecured working capital to small and mid-sized businesses across the U.S., from $5,000 up to $5,000,000. Because we fund deals ourselves, we can make decisions quickly.

Fill out the online application, which takes about five minutes, or call us at (866) 361-3648. To speed things up, upload your last three months of business bank statements.

No. Applying does not involve a hard credit inquiry and won’t affect your credit score.

Most applicants get a decision the same day. Once you’re approved and the contract is signed and verified, funds can be wired as soon as the same day. 95% of our clients are funded within 48 hours.

Generally, you need to have been in business for at least 6 months and bring in at least $15,000 a month in revenue. We fund businesses in almost every industry.

Your last three months of business bank statements, plus month-to-date if possible. A voided business check and a copy of your driver’s license help us move faster. Larger amounts may need a little more.

No. Our working capital is unsecured. We don’t take your house or your equipment as collateral. Equipment financing is the one exception, because the equipment itself backs the deal.

From $5,000 to $5,000,000. The amount depends mainly on your monthly revenue, time in business and existing obligations.

Yes. Many of our clients renew, and good payment history usually means a larger amount and better terms the next time around.

Anything that serves the business: payroll, inventory, equipment, marketing, repairs, a new location, covering slow-paying customers. Funding is for business purposes only.