New York City small business capital advisory

Prepared. Organized. Matched with the right lender.

Metro Capital NYC helps small business owners across the five boroughs and the metro area build a lender-ready file and find the capital that fits, with clear fees and honest answers.

Book a free consultation See how it works

Your path to capital

PrepareKnow your numbers, your ratios and your gaps before a lender does.
OrganizeOne complete, secure, lender-ready file instead of scattered papers.
MatchApply to lenders whose criteria fit your business, not a guess.

Lender-neutralWe match by fit, not by who pays us more.

English y EspañolPlain language in both languages, at every step.

Fees in writingDisclosed and signed before any work begins.

Secure by designSensitive documents go through a protected portal, never email.

What we do

Everything between “I need capital” and “I am ready to apply”

Many good businesses are declined because the file is weak, not the business. We fix the file, honestly.

Financial assessment

A full review of your cash flow and debt service coverage (DSCR), personal and business, so you know what you can borrow and repay.

Loan package and credit memo

Organized documents, spreads, projections and a clear credit story that lenders can read in minutes.

Lender matching

We study lender criteria, limits and appetite, then match your business to the programs most likely to say yes on fair terms.

Mock credit committee

We stress-test your request with the questions a credit committee asks, so weak points are fixed before you apply.

Fraud and verification checks

Document checks and public-record research, including UCC liens, so your application is clean and credible.

Stay current after funding

Our own tracking system, outside the lender’s, with reminders and early-warning check-ins that help you stay in good standing.

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Both sides of the loan table

We know what the lender is looking for, because we have sat there.

Metro Capital NYC was built to be the bridge: translating the owner’s business into the language of credit, and the lender’s criteria into a plan the owner can follow.

Fix the file, and more good loans close. Owners who are not ready yet get a clear, respectful path to ready.

Our process

Four steps, no surprises

Free consultation

A short call to understand your business, your goal and your timeline.

Readiness review

We score your readiness and tell you plainly where you stand.

Build the file

Signed engagement, then documents, analysis, credit memo and mock review.

Match and apply

We present your file to fitting lenders and support you to closing.

Funding options

The whole lending marketplace, in one conversation

From SBA and community lenders to equipment, contract and real estate financing, plus grants and public programs.

SBA and bank

7(a), 504, Express, microloans

CDFI

Community and mission lenders

Asset-based

Equipment, invoices, inventory, P.O.

Real estate

Acquisition, improvement, refinance

See every funding type

Built for New York

Local focus. Metro-area reach.

We start where we know the market best: the Bronx, Manhattan, Brooklyn, Queens, Staten Island and the surrounding metro area. Neighborhood lenders, City programs and State programs are part of our everyday work.

Typical clients

Restaurants, retail, salons and service businesses
Contractors and vendors with awarded or pending contracts
Owners buying equipment or their first property
Immigrant and minority owners building business credit

Next step

Ready to find out where you stand?

The first consultation is free. You will leave with a clear next step, whether or not we work together.

Book a free consultation Call (646) 951-7543