Juniper Capital NY funds merchant cash advances and revenue-based financing directly — no brokers, no syndicators, no layer between the operator and the capital. Considered terms, in-house decisions, and a team that stays through final payment.
A juniper tree puts down roots that hold for a century. We try to write capital that holds about as long as your operation needs it.
Juniper Capital NY Direct funder · Brooklyn, NY · since the firm decided ownership of the wire was the only honest position
The Difference
Most of what calls itself "small business funding" is brokered out. The site you land on is rarely the source of the capital. The cost climbs every time the file changes hands.
Juniper writes from its own balance sheet. The person who answers the email is the person who underwrites the file is the person who funds the wire.
Your file is reviewed and funded by the same firm. No syndicating it out. No "let me check with my partner." No surprise pricing because someone marked it up.
Factor rate, total payback, full schedule — all delivered in writing before any signature. The number we quote is the number we wire against. No back-end fees pulled at funding.
After the wire clears you still talk to the people who wrote your file. Renewals, restructures, questions — one phone line, one team, one number that actually picks up.
Daily, weekly, bi-weekly, monthly. Revenue-based, fixed schedule, consolidation. We read the deposit pattern and write a structure the business can carry — not a template.
How It Works
From application to wire — a deliberately short path with no intermediaries between you and the people writing the capital.
Submit a short application and your three most recent business bank statements. No hard credit pull at application, no application fee, no obligation. We confirm receipt the same day.
Our underwriters read the file — deposits, frequency, negative days, existing positions — and put a transparent offer in front of you. Most files receive a decision within the business day.
Review the schedule, sign the agreement, and the wire leaves our balance sheet for yours. Most approved files fund within twenty-four hours of signature.
Five minutes to apply. Same-day decision. Funded within twenty-four hours of signature.
A direct funder is a different relationship than a broker. Less paperwork, fewer voices in the room, and a sharper read of what the operation actually needs.
No two operations have the same deposit rhythm, the same seasonality, or the same runway. We read the file before we write the structure — and the structure we write respects all three.
Files land on our underwriters' desks the same day they come in. Most receive an offer within hours — not next week, not after a syndicator runs the numbers, not when someone returns from lunch.
Factor rate, total payback, and the complete schedule sit on the page before you sign anything. No back-end fees pulled at funding. No surprise debits later. What we quote on the offer is what we wire against.
From the first call through the final payment, the people you speak with are the people who underwrote the file. No call centers, no rotating reps, no hand-off after the wire goes out. Renewals come through the same line.
Our Philosophy
The strongest capital relationships work both ways. We structure files where the business wins — because we only get paid back when it does.
— Juniper Capital NY
Juniper was built on a plain idea: operators deserve a funder with skin in the deal, not a forwarder collecting a margin. We hold the paper. We carry the risk. That changes how we underwrite.
What Sets Us Apart
Each program has a fit and a misfit. We name both. Read across the row, find the one that matches your file, and apply to the program you want a conversation about.
How to read this table. Each row is one product we write directly from our balance sheet. "Best for" describes the operations we tend to approve. "Consider carefully if" names the file shapes where this product becomes painful — or where we'll likely steer you to a different structure. We say both because saying both is the entire point.
| Program | Term & Cadence | Best For | Consider Carefully If |
|---|---|---|---|
| Short-Term Working CapitalSpeed · Direct MCA | 3 – 12 moDaily or weekly | Immediate operating needs, inventory and seasonal stocking, time-sensitive opportunities. Strong daily-deposit businesses. | Cash flow is already strained or the operation is more than 50% over-leveraged on existing positions. |
| Revenue-Based FinancingFlexibility · Cyclical Fit | 6 – 18 moScales with revenue | Seasonal or cyclical operations, service businesses, files with uneven monthly deposits. Payments lean lighter in slow months and heavier in strong ones. | Revenue is trending consistently downward over the trailing six months — flex payments don't fix a shrinking top line. |
| Monthly Payment ProgramsStability · Lower Cadence | 12 – 36 moMonthly debits | Established operations with 650+ FICO, businesses on monthly billing cycles, files graduating out of daily-debit programs into a quieter schedule. | Frequent negative days in the bank statements or multiple active daily-payment positions — monthly programs need clean cash flow underneath. |
| Consolidation & RestructureRelief · Strategic Reset | VariesBy exposure | Operations carrying two or more active positions, owners overwhelmed by daily debits, files trying to build a path back toward longer-term financing. | Steep revenue decline, open defaults, or unresolved UCC liens — we can read these files honestly, but consolidation isn't always the right answer. |
| Asset-Backed Revolving CreditLong-Term · Lowest Cost | OngoingDraw & repay | Files with 680+ FICO, real estate or equipment available to pledge, operations ready to step out of advances into a quieter, lower-cost structure. | Available collateral is limited, fully encumbered, or carries existing senior liens that complicate priority position. |
Send the application and the last three months of bank statements. Our underwriters read the file, identify the structure that fits, and put real options in writing. If we're not the right firm, you'll hear it from us straight — no shopping it out to a broker network.
FICO is one signal on the page. Revenue cadence, deposit frequency, and existing positions matter just as much. Here is an honest map of how each tier reads.
The Full Read
Six signals carry most of the decision. Each is read against the others — together, they tell the story the application can't.
The starting point for every file. We typically structure between 75% and 150% of monthly deposits, depending on tier and program.
How often money lands matters as much as the total. Steady daily deposits read healthier than two large monthly hits.
Days closing in the red are a real flag. More than five to seven in a month sharply reduces both options and approval ceiling.
Active advances cap what we will write. Heavy stacking is the quickest way to limit options and raise the overall risk score.
Personal credit shapes program access and pricing — but strong revenue and consistent deposits can absorb a meaningful amount of credit weakness.
The maximum we will write given everything combined. We calculate this before structuring — so a file is never over-leveraged on day one.
No sales script. No tap-dance. The questions we hear most, answered the way we'd want them answered if we were on the other side of the phone.
Have a question we didn't cover? Ask — you'll get a straight answer.
Contact UsFill out the form below. Our underwriters review the file in-house and most operations receive a same-day decision. No hard credit pull at the application stage.
How Juniper Capital NY collects, uses, and protects the information you share with us.
Your privacy is important to us. This Privacy Policy explains how Juniper Capital NY ("Juniper Capital," "we," "us," or "our") collects, uses, discloses, and safeguards your personal information when you visit our website at junipercapitalny.com (the "Site") or use our services. By using our Site and services, you consent to the practices described in this Privacy Policy.
SMS consent is not shared with third parties for marketing purposes. No mobile opt-in data is shared with third parties for any purpose.
We may collect both personally identifiable information ("PII") and non-personally identifiable information ("Non-PII") from you when you interact with our Site or use our services.
PII may include but is not limited to your name, business name, email address, postal address, phone number, business bank statements, and any other information you voluntarily provide to us in connection with an application for funding.
Non-PII may include technical information such as your IP address, browser type, device information, and Site usage data.
We use the information we collect for various purposes, including:
We do not sell the information you provide to us under any circumstance.
We implement reasonable administrative, technical, and physical security measures to protect your information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or method of electronic storage is entirely secure, and we cannot guarantee absolute security.
We may use third-party services to collect, monitor, and analyze data on our behalf, such as form-submission processors and website analytics tools. These third parties have their own privacy policies governing the use of the information they collect on our behalf.
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We may update this Privacy Policy from time to time. The revised policy will be posted on this page with the "Last Updated" date above. We recommend checking this page periodically for any changes. Your continued use of the Site or services after any modifications will signify your acceptance of the updated Privacy Policy.
Juniper Capital NY
2090 Ocean Parkway, Brooklyn NY 11223
Email: info@junipercapitalny.com
Please read these terms carefully before using our services or engaging with Juniper Capital NY.
Welcome to Juniper Capital NY. These Terms and Conditions govern your use of our website at junipercapitalny.com and our services. By accessing and using our website, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our website.
(a) You must be at least 18 years old, and authorized to act on behalf of a business operation, to use our website and submit an application for funding. By using our website, you confirm both.
(b) You may not use our website for any illegal or unauthorized purposes. You agree to comply with all applicable laws and regulations.
(c) We reserve the right to modify, suspend, or discontinue any part of our website, services, or content without prior notice.
(d) Your use of any information or materials on this website is at your own risk, for which we shall not be liable.
(a) All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of Juniper Capital NY and is protected by copyright and other intellectual property laws.
(b) You may not reproduce, distribute, modify, transmit, or use any part of our website's content without our prior written consent.
(a) Our Privacy Policy outlines how we collect, use, and protect your personal information. By using our website, you consent to our Privacy Policy.
(b) We do not share or sell your personal information to third parties.
Juniper Capital NY provides merchant cash advances and revenue-based financing — commercial purchase-of-future-receivables transactions. These are commercial transactions, not loans. APR does not apply. All transactions are subject to underwriting review and approval. Not all applicants will qualify.
(a) The information provided on our website is for general informational purposes only. We make no warranties or representations about the accuracy, completeness, or reliability of the content.
(b) We are not responsible for any damages or losses resulting from the use of our website or any information provided therein.
Our website may contain links to third-party websites. We do not endorse or have any control over the content or practices of these websites. Your use of third-party websites is at your own risk.
To the extent permitted by law, Juniper Capital NY shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from or in any way related to your use of our website or services.
You agree to indemnify and hold harmless Juniper Capital NY, its officers, directors, employees, and affiliates from any claims, losses, damages, liabilities, costs, or expenses (including legal fees) arising out of your use of our website or violation of these Terms and Conditions.
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of New York. Any disputes arising from or related to these terms shall be subject to the exclusive jurisdiction of the courts in New York County, State of New York.
We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Your continued use of our website following the posting of any changes constitutes your acceptance of such changes.
If you have any questions or concerns about these Terms and Conditions, please contact us at info@junipercapitalny.com.
By providing your phone number to Juniper Capital NY and consenting to SMS communications, you agree to comply with and be bound by these SMS Terms and Conditions. If you do not agree with these terms, please do not engage with our SMS services.
We collect a single consent for SMS communications, through one dedicated checkbox on our website application form:
This consent applies only to Juniper Capital NY and only to customer care and account-related messages. We do not send marketing or promotional text messages, and we do not collect consent for them. Consent is entirely optional and is not a condition of any purchase. Information obtained as part of the SMS consent process will not be shared with third parties.
Customer care (informational) messages — sent only if you checked the customer care consent box:
Example message: “Juniper Capital NY: We received your request. Our team is reviewing it and will follow up within one business day. Reply STOP to opt out, HELP for help.”
We send no marketing, promotional, or solicitation messages of any kind, and we never message anyone who has not applied through our own form and opted in.
You may opt in to customer care SMS messages by checking the SMS consent checkbox on our website application form. The checkbox is unchecked by default and is not required in order to submit the form.
Last Updated: August 5, 2026
You should know exactly what you're paying before you sign anything. A clean breakdown of our products, pricing structure, and what we don't do.
Juniper Capital NY funds revenue-based and merchant cash advance products from our own balance sheet. We do not broker SBA loans, we do not refer files to bank lenders, we do not shop your application to third-party funder networks, and we do not collect referral commissions. If your operation needs a bank product, your bank is the right call — not us.
This focus is intentional. It keeps pricing transparent, accountability clear, and the relationship between operator and funder direct from day one through final payment.