Smart funding solutions tailored to your needs.
Business Term Loan
Get a lump sum upfront to invest in major business needs, with the ability to request more later.
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Loans from $10K–$5,000,000
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Terms up to 36 months
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Best for planned upgrades or larger purchases
Revolving Line of Credit
Access working capital anytime with a credit line you can draw from 24/7—funds arrive in minutes.
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Limits from $6K–$500K
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6–36 month flexible terms
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Best for steady, ongoing expenses
★★★★★
“Empire State Funding delivered $189,000 in 28 hours—no fees, no hassles. That working capital allowed us to scale production and close three high-value wedding contracts immediately.” – Angela, Catering Services
★★★★
Old-school businessman here. Hate forms, hate waiting. Told them on the phone “I need $300k yesterday and I’m not filling out 40 pages.” They said “send last 4 months statements, done.” Funded in 22 hours. Respect. – Frank, Staten Island trucking
★★★★★
Every broker I talked to before sounded like a used-car salesman on commission. Empire State didn’t push, didn’t upsell, didn’t beg for my bank login. Sent four months of statements, got $207k next day, clean contract. – Dr. Eddie, Optometrist
★★★★
I walked into the MCA world expecting the worst — ready for a fight. Got funded $178k 36 hours later. Paid off three old daily debits, dropped to one weekly payment, allowed my business to run with no disruptions .” – Kareem, General Contracting
★★★★★
I’ve paid $40k+ in broker fees over the years for nothing. Told Empire State “no broker, no junk fees, or I’m out.” They said “deal.” $259k direct funded in 28 hours. First time in 12 years I didn’t feel like I got robbed. Thank you Mendy at Empire State Funding, for doing business the right way. – Mark, Plumbing Supplies
Empire State Funding – Frequently Asked Questions (FAQ) 1. What types of funding do you offer? We provide fast and flexible business financing solutions, including working-capital advances, revenue-based funding, equipment financing, and short-term business loans. 2. How fast can I get approved? Most applicants receive approval within a few hours, and funding can be deposited the same day or next business day, depending on the amount and documentation. 3. What are the requirements to qualify? We typically look for: 3+ months in business At least $10,000 in monthly revenue Business bank statements A U.S.-based business entity Perfect credit is not required. 4. Do you check my credit? Yes, we may perform a soft credit pull, which does not affect your credit score. Approvals are based more on business revenue than personal credit. 5. How much funding can I receive? Depending on your revenue and industry, you may qualify for $5,000 to $10,000,000+ in business funding. 6. How do repayments work? Repayments are typically automated based on daily, weekly, or monthly schedules, depending on your funding program. We offer flexible terms to match your cash flow. 7. Is there an application fee? No. Applying is 100% free, and there are no upfront or hidden fees. 8. Will I need collateral? Most of our funding products are unsecured, meaning no physical collateral is required. 9. Can I still qualify if I’ve been turned down by a bank? Yes. Many clients who were denied by traditional banks receive approvals with us due to our flexible underwriting and revenue-based approach. 10. What industries do you fund? We fund a wide range of industries, including retail, medical, construction, transportation, restaurants, e-commerce, and service-based businesses. 11. How do I apply for funding? You can apply directly through our website or by speaking with a funding specialist. The application takes under 5 minutes. 12. Is my information secure? Yes. We use industry-standard encryption and strict privacy measures to protect all client information.