New York City · Manhattan, NY
Small business funding in Manhattan. When banks say no.
Manhattan carries the highest commercial-rent burden per square foot of any US borough. Small operators in hospitality, professional services, and healthcare rely on working capital to smooth lease escalations and payroll spikes.
From 1315 Ave J to Midtown is roughly 45 minutes on the Q express. Funding transfers clear just as quickly by ACH — most Manhattan applicants never visit the office.
Why ICG for Manhattan
Capital that moves at Manhattan speed. Not bank speed.
Manhattan operators borrow because the right week beats the right rate. ICG underwrites on revenue, not narrative, and decisions land inside 24 hours.
Decisions
Inside 24 hours
Credit floor
500+ FICO accepted
Underwriting
Revenue-based, no tax returns
Industries in Manhattan
Priority industries we fund in Manhattan. Pick yours.
Healthcare funding in Manhattan
Medical and dental practices wait longer than almost any other small-business vertical for insurance reimbursement to clear. Working capital closes the gap so payroll, equipment, and expansion never stall.
See healthcare funding details
Service Businesses funding in Manhattan
Service operators — auto repair, salons, cleaners, HVAC, landscaping, professional services — live on the tightest payroll-to-receivables timing in small-business lending. ICG underwrites against revenue, not tax returns, so crews keep moving.
See service businesses funding details
Retail funding in Manhattan
Retail inventory turns the calendar before the register does. ICG funds the pre-season buy, the seasonal staffing push, and the next build-out before sell-through even starts.
See retail funding details
Construction & Contractors funding in Manhattan
Construction operators pay crews every Friday and collect on net-60 from clients. That gap is where builders fail — unless capital moves faster than the build cycle.
See construction & contractors funding details
Am I eligible in Manhattan?
If these four things are true, you probably qualify.
6+ months
Time in business
$15K+
Monthly revenue
500+ FICO
Personal credit
Required for deposit
Business bank account
Other New York markets
Nearby cities we also fund. Same playbook.
Apply · Manhattan
Funding for Manhattan businesses. Apply in minutes.
Soft pull only. Decisions inside 24 hours.