Small Business Funding · Manhattan-Based, Nationwide
Small Business Funding for Established Companies
Review $5,000 to $500,000 in short-term business funding for inventory, payroll, hiring, marketing, or expansion — built for businesses already trading. Manhattan-based, working with companies nationwide.
- ✓For operating small businesses — not startups, grants, or personal borrowing
- ✓Documentation-light first step, commonly recent business bank statements
- ✓A named advisor explains your options before you commit to anything
Business-purpose financing only. All funding is subject to application, underwriting review, approval, and program availability. Submitting a request does not guarantee approval or funding.
See Your Funding Options
Submit your business details for advisor review. For operating businesses only — not startups, grants, or personal loans.
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Submitting this request does not enroll you in text messages. SMS consent is optional, is not required to submit, and applies only if you separately tick the unchecked consent box in the form.
Figures describe the profile BizPoint Capital is generally best suited for. They are guidelines for review, not approval criteria or a funding offer.
Read This First
This Is for Businesses That Are Already Trading
"Small business funding" covers a lot of ground online, and much of it is not what BizPoint Capital does. This page is specifically about commercial funding for small businesses that are already operating and generating revenue — a restaurant group buying equipment, a contractor covering payroll between draws, a distributor stocking up before a busy quarter. We are based in Lower Manhattan and work with companies across the United States.
It is not a route to startup seed capital, SBA grant programs, free money schemes, personal loans, credit repair, or investor introductions. If that is what you are searching for, this is not the right fit and an advisor will tell you so rather than waste your time. If your business is trading and you need capital for a commercial purpose, keep reading.
Why BizPoint Capital
A Straightforward Process for Busy Owners
$5K to $500K Reviewed
Enough range to cover a small equipment purchase or a serious expansion, sized to your revenue.
Structures That Flex
Options are reviewed against your cash-flow pattern and operating cycle, not a single fixed product.
Light Documentation
To continue a review, businesses are commonly asked for the most recent months of business bank statements.
A Person to Talk To
An advisor reviews your file and answers questions on cost, term, and remittance directly.
Common Uses
Capital for Specific Business Objectives
Funds are for business purposes. These are the uses owners raise most often in a funding review.
Do I Qualify?
Eligibility Guidelines
The overall health of the business carries more weight than a credit score alone. These are guidelines for review, not a guarantee of approval.
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$150,000+ Annual Revenue
Consistent gross revenue running through a business account.
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Ideally 9+ Months Operating
Designed for operating businesses, not new business ideas.
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Business Checking Account
A dedicated business bank account is typically needed for review.
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Credit Considered, Not Decisive
Credit is one input alongside revenue, business health, and use of funds.
See What You May Qualify For
Submitting a request is quick and places you under no obligation to move forward with any option presented.
Start My Funding ReviewComparison
BizPoint Capital vs a Traditional Bank Process
A general comparison of how the two approaches differ. Individual terms and timelines depend on the product and on underwriting review.
| Feature | BizPoint Capital | Traditional Banks |
|---|---|---|
| Review focus | Revenue and business performance led | Often credit and collateral heavy |
| Paperwork | Commonly recent business bank statements and business ID | Tax returns, financial statements, business plans |
| Process length | Generally shorter, subject to documentation and underwriting | Often measured in weeks or months |
| Support | A named advisor you can call with questions | Varies by branch and relationship |
| Best suited to | Operating small businesses with steady deposits | Businesses with collateral and a long filed history |
Human-First Financing
You Are Not Just a File Number
Small business owners get pushed through automated funnels constantly, usually ending in a decision with no reasoning attached. That is not much use when you are weighing a real commercial decision with real cost attached.
A BizPoint Capital advisor takes the time to understand your cash flow, your operating cycle, and what the money is actually for. If working capital or revenue-based financing is a closer fit than a short-term structure, you will be pointed there instead.
Funding Review Questions
Small Business Funding FAQ
How much funding can my small business review?
Options range from $5,000 to $500,000. The amount available to a specific business depends on revenue, deposit consistency, time in business, use of funds, and underwriting review.
Is there a minimum credit score?
Credit is reviewed as one factor alongside revenue, deposit history, and business health. BizPoint Capital generally reviews businesses with a FICO score of 550 or higher, but no single number determines the outcome on its own.
Are there restrictions on how I use the funds?
Yes. Funding is for business purposes only — payroll, inventory, marketing, expansion, equipment, and working capital needs. It cannot be used for personal, family, or household purposes. Some industries are excluded; see our prohibited businesses page.
Do you fund startups or new businesses?
No. This is for operating businesses, generally with at least nine months of trading history and $150,000 or more in annual revenue. We do not provide startup seed capital, business grants, or investor matching.
What happens after I submit the form?
A BizPoint Capital advisor reviews your request and may contact you to confirm details and discuss available options. If your business appears eligible, recent business bank statements and business identification details are commonly requested to complete review.
How quickly can funding be reviewed?
Reviews generally move faster than a traditional bank process, but timing depends on eligibility, how quickly documents are provided, underwriting review, and program availability. BizPoint Capital does not guarantee a funding timeline.
Review Your Small Business Funding Options
Submitting a request takes about two minutes and puts you under no obligation.
For established U.S. businesses with consistent revenue. Not for startups, grants, or personal loans. Approval is not guaranteed.
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