Est. Brooklyn, New York

Patient capital, written from our own balance sheet.

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.

In-House Underwriting Direct Funder Same-Day Decisions
— Juniper / Evergreen
A Note On Pace

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

Direct
Funder Status
In-House
Underwriting
24 Hrs
Wire After Sign
Same-Day
Decisions
i.

The Difference

A funder, not a forwarder.

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.

01

One source of capital

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.

02

Pricing on the page

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.

03

A team that stays

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.

04

Structure shaped to the file

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

Three steps. One funder.

From application to wire — a deliberately short path with no intermediaries between you and the people writing the capital.

Step 01

Apply in five minutes

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.

Step 02

Underwriting, in-house

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.

Step 03

Sign and wire

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.

"Quiet, resilient, evergreen." The same standard we hold ourselves to applies to the files we write.

Start Your Application

Five minutes to apply. Same-day decision. Funded within twenty-four hours of signature.

Our Approach

Considered capital, written with care.

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.

Decision Time
Same business day on most files
Time To Wire
Within 24 hours of signature
Funding Source
Our own balance sheet
Principle 01

Capital structured around your operation

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.

Structures shaped to your file, never a template formula.
Principle 02

Decisions that match your pace

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.

Most files receive a same-day decision.
Principle 03

Pricing you can read

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.

What we quote is what we wire. Always.
Principle 04

One team, end to end

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.

Direct line. Real people. Every time.

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

A short, honest list

Pricing on the page, no back-end fees, no surprise debits.
Same-day decisions from in-house underwriters who read the file.
One account team from approval through final payoff.
Structures shaped to your actual cash flow — daily, weekly, or monthly.
A line that rings to the team that knows your file by name.
If we're not the right fit, you'll hear it directly — no runaround.
Apply Now
Programs

Funding programs, side by side.

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.

Funding Type
Direct commercial capital
Source
Our own balance sheet
Not What We Do
Brokering · Syndicating · SBA

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.
"

We'll match the file to the program — directly.

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.

Qualifications

What direct funding looks like at every credit profile.

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.

Tier A
680+ FICO · strong revenue
Tier B
600 – 679 FICO · moderate revenue
Tier C
Below 600 · deposit-driven
A

Tier A — Prime

680 – 800 FICO · Strong Revenue · Clean History
Monthly payment programs — best in-house factor rates
Asset-backed revolving credit eligible
Lowest direct-funder pricing we write
Highest approval ceilings
Our strongest position. Consistent deposits and a clean profile unlock the lowest pricing we offer.
B

Tier B — Near-Prime

600 – 679 FICO · Moderate Revenue
May qualify for monthly payment structures
Factor rates starting from 1.19
Hybrid bi-weekly schedules available
Consolidation structures often applicable
Strong deposits offset credit gaps. Our underwriting weights cash flow heavily at this tier.
C

Tier C — Cash Flow Based

Below 600 FICO · Deposit-Driven Approval
Weekly payment structures available
Daily payment structures when appropriate
Approval keyed to deposit volume and frequency
Monthly programs not written at this tier
We structure conservatively here — only what the deposits can carry. We pass on files that do not make sense.
One number is never the whole file. Tier A starts at 680. Tier B covers 600 – 679. Tier C reads below 600. Final approval also weighs against average monthly deposits, deposit frequency, count of negative days, time in operation, and existing exposure. A 670 file with poor deposits can qualify for less than a 610 file with strong, consistent flow. Our underwriters read the entire picture before we put a number on the page.

The Full Read

What our underwriters actually weigh.

Six signals carry most of the decision. Each is read against the others — together, they tell the story the application can't.

01 · Volume

Average Monthly Deposits

The starting point for every file. We typically structure between 75% and 150% of monthly deposits, depending on tier and program.

02 · Rhythm

Deposit Frequency

How often money lands matters as much as the total. Steady daily deposits read healthier than two large monthly hits.

03 · Risk

Negative Days

Days closing in the red are a real flag. More than five to seven in a month sharply reduces both options and approval ceiling.

04 · Exposure

Existing Positions

Active advances cap what we will write. Heavy stacking is the quickest way to limit options and raise the overall risk score.

05 · Credit

FICO & Credit Profile

Personal credit shapes program access and pricing — but strong revenue and consistent deposits can absorb a meaningful amount of credit weakness.

06 · Ceiling

Approval Ceiling

The maximum we will write given everything combined. We calculate this before structuring — so a file is never over-leveraged on day one.

Apply Now
Frequently Asked

Plain answers, no fine print.

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.

Minimum Time In Business
Generally 6 months
Minimum Monthly Revenue
Approximately $15,000
Application Process
No hard credit pull at application
What makes Juniper Capital NY different?
We underwrite and fund from our own capital. You see the full cost before signing, you talk to the same team from application to final payment, and the answer to every funding question comes from us — not from a partner we forwarded your file to. There is no broker layer, no syndication call, and no margin marked up between you and the wire.
How fast can we get funded?
Most files receive a same-day decision. Once the agreement is signed, the wire typically lands within twenty-four hours. The process is built to move at the speed an operating business actually needs to move.
What does it cost? Are there hidden fees?
No hidden fees. You see the factor rate, total payback, and full payment schedule before signature. The price we quote on the offer is the price we wire against. Transparency on day one is how we build files that pay back cleanly — that is the entire underwriting philosophy.
What do you need from us to apply?
A short application and your last three months of business bank statements. That is the starting point. There is no hard credit pull at the application stage. Depending on program and amount we may ask for additional documents — and when we do, we always say exactly what is needed and why.
What if we have existing positions already?
We work with stacked files regularly. Depending on revenue, deposit pattern, and current exposure, we can sometimes consolidate positions into a single schedule — or write new capital alongside what is there. We will read the full picture and give you honest options.
Can you help us move toward longer-term financing?
Yes. Many files start in short-term capital and graduate toward monthly programs or asset-backed revolving credit. We map a path from where the operation sits today to where it is headed — and we say plainly what it will take to get there.
What are the minimum qualifications?
Generally six months in operation, approximately $15,000 in monthly revenue, and an active business bank account. FICO matters but is not everything — strong, consistent deposits absorb a lot. Apply and we will tell you exactly where you stand on the same business day in most cases.
Are these loans? Do they have an APR?
No. Merchant cash advances and revenue-based financing are commercial purchase-of-future-receivables transactions, not loans. APR does not apply. You will see a factor rate, a total payback amount, and a full schedule on the written offer — that is the complete cost, named in plain terms.
Who do we call after funding?
The same team that wrote your file. We do not disappear after the wire clears. You have a direct line to the people managing your account for renewals, questions, restructures, or anything else that comes up. One number. One team. Every time.
Do you broker SBA loans or refer files to banks?
No. Juniper is a direct funder of commercial revenue-based products only. We do not broker SBA loans, we do not refer files to bank lenders, and we do not shop your application to third parties. If your operation needs a bank product, your bank is the right call — not us.

Have a question we didn't cover? Ask — you'll get a straight answer.

Contact Us
Apply Now

Start your application.

Fill 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.

Legal Entity
Juniper Capital NY
Office
2090 Ocean Parkway,
Brooklyn, NY 11223
Hours
Mon – Fri, 9 AM – 6 PM EST

Juniper Capital NY — Business Identity

Legal Entity: Juniper Capital NY
Address: 2090 Ocean Parkway, Brooklyn NY 11223
Hours: Monday – Friday, 9 AM – 6 PM EST
State: New York
Website: junipercapitalny.com
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How Juniper Capital NY collects, uses, and protects the information you share with us.

Last Updated
August 2026
Governing State
New York
Legal

Terms & Conditions.

Please read these terms carefully before using our services or engaging with Juniper Capital NY.

Last Updated
August 2026
Governing Law
State of New York
Transparency

Rates & Disclosures.

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.

Product Type
Commercial MCA / RBF
Factor Rate Range
1.19 – 1.49
Term Range
3 – 36 months

Commercial MCA / Revenue-Based Financing

Direct product — Juniper Capital NY is the funder
  • Factor rate range: 1.19 – 1.49
  • Example: $10,000 advance at a 1.30 factor rate = $13,000 total payback ($3,000 in total fees)
  • Term range: 3 – 36 months depending on program and tier
  • No application fees, no hidden charges, no back-end fees pulled at funding
  • Full cost breakdown — factor rate, total payback, full schedule — delivered in writing before any signature
Merchant cash advances and revenue-based financing are commercial purchase-of-future-receivables transactions, not loans. APR does not apply. These products are not subject to state consumer-lending license requirements.

What We Don't Do

We're a direct funder, not a referral source

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.

Our products are commercial financing transactions, not consumer loans. Juniper Capital NY does not hold a consumer lending license and is not required to hold one for these commercial products.