Tailored Financial Strategies
Compare financing by intended use, repayment mechanics, total cost, and contract terms.
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Business Funding · New York City
Fuel Your Financial Growth
Innovative capital solutions designed to align with your financial objectives. From startups to established enterprises, we deliver strategies that drive sustainable growth.
- Business Loans
- Merchant Cash Advances
- Lines of Credit
- Equipment Financing
- SBA Loans
- Commercial Real Estate
What We Offer
Our Services
Practical guidance for comparing business funding and understanding the obligation before you commit.
Time & Flexibility
Understand the application, document review, initial response, and closing process.
Learn more →Financial Security
Use a disciplined checklist to evaluate net proceeds, payment burden, and contractual risk.
Learn more →Strategic Growth
Connect capital to a defined investment and a conservative plan for repayment.
Learn more →Explore Your Options
Match the structure to the objective
Compare how each option delivers capital, calculates cost, and collects payment. All financing is subject to underwriting and approval.
Merchant Cash Advance
Capital in exchange for future receivables, with the cost and remittance terms defined in the agreement. Select programs may use a performance guarantee rather than a full personal guarantee of repayment, subject to qualification.
Explore MCA →Business Line of Credit
Draw against an approved limit for recurring needs instead of taking one lump sum.
Explore credit lines →Equipment Financing
Finance productive assets with attention to useful life, ownership, and total cost.
Explore equipment →SBA Loans
Explore lender-issued, SBA-guaranteed programs for qualifying businesses and purposes.
Explore SBA options →
Specialty Focus
We specialize in franchise financing
Capital for existing franchisees and new units—working capital, expansion, remodels, equipment, and related structures—reviewed with franchise unit economics in mind. Eligibility varies by product and funder.
Merchant Processing
Accept cards at affordable rates
Low rates, low fees, and tools to keep more of your revenue—POS, online, and mobile—through our processing partners. Rates vary and savings are not guaranteed.
In-person & POS
Terminals and countertop solutions for everyday card-present sales.
Online & invoices
Gateways, payment links, and recurring billing for remote customers.
Free statement review
Understand your current effective rate before you change anything.
Businesses We Help Grow
Industries We Fund
From job sites to barber chairs, kitchens to storefronts, we work with the owners who keep Main Street running. Whatever your industry, we'll help you find capital that fits how your business earns.
Stock photography for illustration only. People shown are not Synergy Capital clients.
In Their Words
What business owners are saying
Here is what business owners have shared online about working with Synergy Capital.
Synergy Capital is everything those two words mean! Combined greatness and Liquidity! This company changed business's for the better and the lives that's attached to it! #SynergyCapital
Reviews from Yelp, shown verbatim.
Grow With Capital
Funding is a growth tool. Use it like one.
Successful businesses use capital to move when the opportunity is there, not years later. The right funding can help you invest in what drives revenue today while your cash keeps the business running.
Waiting on savings
Grow later
Funding the opportunity
Grow now
Illustrative only. Not a projection or guarantee of results.
Stock up on inventory
Buy in volume, get ready for your busy season, and keep the shelves full when demand rises.
Hire & train your team
Bring on the people you need to take more customers and deliver better service.
Upgrade equipment
Replace aging machines, add capacity, and bring in technology that makes your team more productive.
Market & reach customers
Fund campaigns, a new website, or signage that brings new customers through the door.
Expand & open locations
Renovate, open a second location, or move into a bigger space when you've outgrown your current one.
Smooth out cash flow
Cover payroll and expenses during slower months or while you wait on receivables.
Stock photography for illustration only.
Industry Insight
Small business drives the economy. Smart funding keeps it moving.
Small businesses are the backbone of the U.S. economy, and more of them are looking beyond the traditional bank branch for capital. Online and alternative funding has grown because it gives owners more ways to get the working capital they need.
U.S. small businesses
Small businesses make up 99.9% of all U.S. firms.
Source: SBA Office of Advocacy, Frequently Asked Questions About Small Business (Feb 2026) ↗of private-sector workers
U.S. small businesses employ 62.3 million people.
Source: SBA Office of Advocacy (Feb 2026) ↗of U.S. GDP
That's the share of economic activity that comes from small businesses.
Source: SBA Office of Advocacy (Feb 2026) ↗Online lenders are on the rise
Among small employer firms that applied for a loan, line of credit, or cash advance, the share that applied at online lenders rose from 17% in the 2020 survey to 29% in the 2025 survey.
Source: Federal Reserve Banks, 2026 Report on Employer Firms (2025 Small Business Credit Survey) ↗sought funding to grow
Of firms that sought financing, 46% did so to pursue an expansion or new opportunity.
Source: Federal Reserve Banks, 2025 Small Business Credit Survey ↗use financing regularly
Credit cards and loans are the most common products.
Source: Federal Reserve Banks, 2025 Small Business Credit Survey ↗Why owners choose alternative funding: In the Fed's survey, firms that applied at online lenders most often pointed to a better chance of being approved, quick service, and not needing collateral. Source: Federal Reserve Banks, 2025 Report on Employer Firms (2024 SBCS), PDF ↗
Small businesses are defined as firms with fewer than 500 employees. The Small Business Credit Survey is a convenience sample of small employer firms. Figures are as published by their sources.
Simple By Design
The simple way to get business funding
You're busy running a business. Getting capital shouldn't feel like a second job. We keep every step clear, quick, and personal.
- 01
Easy to start
Apply online, call (646) 791-2395, or visit us at 160 Pearl St. Our online application is available online.
- 02
Fast response
Many applications receive a typical initial response within one hour. Timing is not guaranteed.
- 03
Flexible criteria
Credit history is one factor, not the whole story. We look at your overall business health, revenue, and growth potential. Less-than-perfect credit? You can still apply.
- 04
One clear checklist
No guesswork about paperwork. Our team gives you a detailed checklist for your specific application type.
- 05
Clear terms first
We provide clear terms before you commit to any agreement, so you always know what you're signing.
- 06
Funded quickly
Same-day approval is available when all requested documentation is submitted promptly, with funding same day to 48 hours. We move as quickly as you do. Approval and timing are not guaranteed.
The traditional route can mean
- Longer timelines
- Collateral requirements
- Decisions based mostly on credit score
With Synergy Capital
- Typical initial response within one hour (not guaranteed)
- A holistic review of your business
- Eight financing guides to compare
How It Works
From application to funding
A clear application, thoughtful review, and terms you can evaluate before committing.
- 01
Apply
Fill out our online application, call us at (646) 791-2395, or visit our office at 160 Pearl St.
- 02
Initial response
Many applications receive a typical initial response within one hour. Timing is not guaranteed and depends on completeness of information.
- 03
Clear terms
We pride ourselves on transparency and will provide clear terms before you commit to any agreement.
- 04
Funding
Same-day approval is available when all requested documentation is submitted promptly, and funding can follow same day to within 48 hours. We move as quickly as you do. Approval and timing are never guaranteed.
Funding Calculator
Model your payments. Estimate your range.
See how amount, term and payment frequency can shape illustrative payments, then gauge a possible range. These tools do not check your credit and create no commitment.
These calculators are educational tools. Results are not binding and do not reflect a specific financing offer. Required commercial financing disclosures, where applicable, are provided with a specific offer—not by these estimators.
Why Synergy
Built for Your Financial Future
At Synergy Capital, we understand that every financial journey is unique. Our team works with you to clarify the business objective, organize the application, and evaluate the structure, cost, and repayment of available options. The goal is not simply to obtain capital; it is to make an informed decision about the obligation.
- Business-purpose and cash-flow review
- Clear comparison of fees and total dollar cost
- Select programs with a performance guarantee rather than a full personal guarantee of repayment (subject to qualification)
- Direct access to our New York team
- Typical initial response within one hour (not guaranteed)
Who We Serve
Solutions for Everyone
From ambitious startups to established enterprises, our capital solutions are designed to meet you where you are.
Startups
Seed funding and early-stage capital to launch your vision.
Growing Businesses
Expansion capital to scale operations and enter new markets.
Established Companies
Strategic financing for acquisitions, refinancing, and optimization.
Individual Borrowers
Personal financial solutions tailored to your life goals.
Apply Online
Ready to Grow?
Take the first step toward your financial goals. Tell us a little about your business. Many applications receive a typical initial response within one hour; timing is not guaranteed.
- One secure online application
- Your information is kept private
- Prefer the phone? Call (646) 791-2395
Apply Now: Full Application ↗Fill it out right here, or open it in a new tab.
Funding Knowledge
Read before you sign
Original guides to help you understand the real obligation behind a financing offer.
Factor Rates Explained
Translate a multiplier into dollars and see why duration, fees, and early payoff matter.
Read the guide →MCA vs. Term Loan
Compare structure, payments, cost, flexibility, and exit terms side by side.
Compare structures →Prepare Your Application
Organize your records and build a coherent use-of-funds and repayment narrative.
Get prepared →FAQ
Common questions
What types of financing does Synergy Capital offer?
Synergy Capital offers a comprehensive range of financing solutions including business loans, lines of credit, equipment financing, commercial real estate loans, SBA loans, and merchant cash advances. We tailor each solution to match your specific financial needs and business goals.
Do you offer merchant (credit card) processing?
Yes. Synergy Capital helps businesses explore affordable merchant processing—POS and terminals, online payments, mobile, and invoicing—through our processing partners. Rates and fees vary by business type, volume, and card mix and are subject to underwriting and approval. Savings are not guaranteed. Visit our Merchant Processing page or call (646) 791-2395 to request a free statement review.
Do you finance franchises?
Yes. Synergy Capital specializes in franchise financing for new and existing franchisees—including working capital, expansion, remodels, equipment, and related structures—subject to underwriting. Eligibility varies by product and funder; approval and funding are not guaranteed.
Let's Build Your Future
Our team is ready to help you explore capital solutions for your business needs.