Live now Call us now 60 seconds · No credit pull
Live advisors · 9–9 ET

The fastest working capital in America.

Sixty seconds on the phone. A number before you hang up. A wire before close of business.

G4.9★★★★★500+ reviews BBBACCREDITED · A+ 20,000+businesses funded $20B+through our network

Capital that moves at your speed

Small businesses first — no matter what. Fast, flexible working capital, the same process behind 20,000+ funded businesses. You're in good hands.

$750k
same day
Business owner taking the call

“I kept running my business. The capital caught up the same day.”

Owner · Funded customer
How it works

Approved in minutes.
Funded the same day.

Keep running your business. Add the capital. Three steps, one afternoon — the phone does all the work.

01
Yonkers Syndicate AI CFO
Incoming answer…
00:47
Step 1 · 60 seconds

Talk to Yonkers Syndicate AI CFO

One call, no forms. Tell us about the business — revenue, time in business, what the money's for. That is the application.

02
Whole-business review
Deposits · seasonality · momentum
Your number
$85,000
Step 2 · Minutes

A human reads your file

A real underwriter looks at the whole business — not just a credit score. You get a number and clear terms on the call.

03
Wire sent
Business checking ••4821
3:02 PM
Step 3 · Same day

Money hits your checking

E-sign and the wire goes out. Capital lands in your account before close of business — ready to work.

The Yonkers Syndicate promise

Three things we
will always do.

01
A human answers.

Every call ends with a real person who knows your file — never a phone tree.

02
Terms before you sign.

Every number, every date, in writing, before any commitment. No surprises, ever.

03
Funded before close of business.

Approved and signed by the afternoon means money in the account by the evening.

Industries

Capital to keep your
 
growing

Real funding for the industries that keep America running.

Reviews

Owners keep
saying it.

★★★★★G

Equipment died Monday, replaced Wednesday. That is the whole review.

Pete S.Verified · Auto repair
★★★★★G

I have used banks, brokers, online lenders. This was the only one that felt built for people like me.

Jen K.Verified · Retail
★★★★★G

Zero credit impact to find out my number. Should be standard everywhere.

Lisa B.Verified · Fitness studio
★★★★★G

No runaround, no fine print games. The terms they said on the phone were the terms I signed.

Carlos M.Verified · Restaurant
★★★★★G

60 seconds to qualify is real. I timed it. 58 seconds.

Sam H.Verified · Cafe owner
★★★★★G

They asked about my business, not just my score. First time a funding company felt human.

Dana W.Verified · Salon owner
G4.9★★★★★from 500+ reviews

Recognized by industry leaders

Inc.5000 TOP 100Businesses & Startups SME BANKINGInnovation Awards VOTEDAmerica's favorite
small business capital
★★★★★
Great
Place
To Work®
FAQ

Straight answers,
before you even call.

Anything else — that's what the phone is for.

Will this affect my credit?+

No. Qualifying is a conversation, not a credit application. There is no hard pull to get your number.

How fast is funding, really?+

Approvals happen in minutes on the call. Once you e-sign, wires go out same day — most land before close of business.

What do I need to qualify?+

Basic info only: monthly revenue, time in business, and what the capital is for. No stacks of paperwork to start.

Is this a loan?+

Products through our network are commercial financing products — most are revenue-based, not consumer loans. Your advisor walks you through exact terms before you sign anything.

What if I'm not ready?+

Then don't sign. The call costs nothing, the number is yours to keep, and there's no obligation — ever.

The standing offer

Got a better offer?
Bring it.

Show us any funding offer you're holding. 99% of the time, we beat it — on rate, on terms, or both. One call to find out.

Their rateTheir terms
VS
Your Yonkers Syndicate offerBeaten. 99% of the time.
Beat my offer
Use it for

Whatever the business
needs next.

Payroll

Cover the crew through slow weeks and big pushes.

Equipment

Replace it the day it breaks — not next quarter.

Inventory

Buy deep for the season while prices are right.

Expansion

Second location, longer lease, bigger contracts.

Cash-flow gaps

Bridge slow receivables without blinking.

Opportunity

When the deal shows up, say yes the same day.

How much do you need?

Pick a number, call, and have your rough monthly revenue ready. That's the whole application.

Call (916) 659-9737

Won't affect your credit · 60 seconds

$0B+
Funded through our network
0+
American businesses helped
0 sec
To qualify on one phone call
0
States served, coast to coast

Call our AI CFO.
Get approved now.

No paperwork No waiting No pressure
Call (916) 659-9737

Picks up instantly · 24/7 · a human confirms every file