Business funding for retail and boutique businesses in New York.
Capital for inventory, staffing, build-outs, and the seasonality every retailer knows.
Why New York Retail Owners choose ShopFunders.
New York is a top-3 state nationally for small-business volume, anchored by the NYC metro. Whether you're operating in New York City, Buffalo, and Rochester or anywhere across New York, we underwrite based on your business's revenue and trajectory — not your zip code.
Built for New York's retail & boutique operators who need capital that moves.
Built for retail and boutique businesses — built for speed.
Decisions in 24 hours
Submit before noon, get a decision by end of day. Most lenders take weeks — we commit to 24 hours.
No collateral, no PG
We fund based on your business's revenue. No home pledged, no personal guarantees, no liens on your assets.
Industry-specific structures
Repayment that flexes with retail's seasonal swings — heavier in peak months, lighter during slow weeks.
Capital that solves real retail or boutique business problems.
New York retail owners face inventory buys timed to seasons you can't control, holiday staffing ramps, and rent that doesn't care about your slow month. Our funding is built for that — fast capital you can deploy for Q4 inventory loads, new store openings, fixtures and build-outs, or surviving a slow shoulder season.
Real owners. Real reviews.
"Literally the best. The team at ShopFunder are professional and second to none when it comes to meeting or exceeding expectations."
"ShopFunder is A1! Helped so much!"
Three steps. Zero runaround.
Apply in 2 minutes
Tell us about your retail or boutique business and how much capital you need. No credit check to apply.
Decision in 24 hours
Our underwriting team reviews same-day. We say yes fast — or tell you exactly what we'd need to get there.
Funded in 24–72 hours
Sign your term sheet, send your bank statements, and capital lands in your New York business account.
New York capital that moves at your speed.
Apply in about 2 minutes. No collateral. No credit impact to apply. Decision in 24 hours.
Apply Now →$10K–$500K+/month · No collateral · Funds in 24–72 hrs