Retail funding · Manhattan, NY
Retail funding in Manhattan. Decisions inside 24 hours.
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.
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 retail in Manhattan
Funding sized to a retail P&L. Not a credit memo.
We underwrite retail operators on the way revenue actually lands. Bank deposits, seasonality, day-to-day cash flow. The result is faster yes/no answers and capital that arrives before the opportunity passes.
Market
Manhattan, NY
Sector
Retail
Decisions
24 hours
Credit floor
500+ FICO
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
24 hours
Funding speed
Coverage
Funding retail operators across Manhattan. Same-day decisions.
ICG funds retail businesses in every neighborhood of Manhattan. Application review is handled from Midwood; decisions come back the same day.
Why Manhattan retail operators borrow
The capital gaps we close. Plainly.
Peak-season inventory must be ordered and paid for months before the first sale.
Seasonal hiring and training requires payroll capital weeks ahead of the revenue ramp.
E-commerce scale-ups (ads, 3PL, platform fees) run faster than Shopify or Amazon payout cadence.
How it works
Three steps to retail.
01
Apply in minutes
Submit the short form — funding amount, business details, and a quick contact step. No tax returns or financial statements at this stage.
02
Upload bank statements
Share 4 months of business bank statements securely. We underwrite against your revenue, not your credit file.
03
Accept and get funded
Receive an offer with the exact amount, rate, and terms — usually within 4 hours. Funds land in your account within 24 hours of acceptance.
Recommended for retail operators
Funding products that fit. Pick one. Mix two.
Qualification
Retail funding requirements · Manhattan
Meet these baselines and you're a strong candidate for approval. Missing one? Talk to us — exceptions are common.
- Minimum 6 months operating as a retail business in or near Manhattan
- $15,000+ monthly revenue
- 500+ personal credit score
- Active business bank account showing consistent deposits
- No open bankruptcies
Frequently asked · Manhattan
Retail funding questions. Answered straight.
Do you fund brick-and-mortar or online-only retailers?+
Both. Shopify, Amazon, Etsy, and Stripe sellers qualify on the same terms as POS-based storefronts. We underwrite deposits regardless of channel. For retail operators in Manhattan, specialists triage applications during standard business hours. Same-day decisioning is the norm.
Can I use funding to pre-pay overseas suppliers?+
Yes — Q3 pre-season inventory buys are the single largest use case for retail revenue-based funding. Submit 3–6 months of bank statements showing consistent deposits and a supplier invoice or PO where possible. For retail operators in Manhattan, specialists triage applications during standard business hours. Same-day decisioning is the norm.
Does an Amazon rolling reserve hurt my approval?+
No. We underwrite against net payouts deposited to your bank account — the conservative, verifiable figure. Reserves are already netted out. For retail operators in Manhattan, specialists triage applications during standard business hours. Same-day decisioning is the norm.
Apply · Retail · Manhattan
Retail funding for Manhattan. Apply in minutes.
500+ FICO. Retail operators in Manhattan funded in 24 hours.