Business Funding
Flexible working-capital structures for established and growing businesses with a range of operating needs.
- Programs from $5K
- Multiple payment options available
- Terms vary by business profile
Multiple funding structures • Subject to underwriting
The right funding starts with your complete business profile
Five Boroughs Finance doesn't believe every business belongs in the same product. We evaluate revenue, cash flow, time in business, credit, existing obligations, industry, and use of funds to identify appropriate options from our funding network.
- 500+
- Min credit profile
- $5K+
- Min monthly revenue
- 6+ mo
- Min time in business
Responsive Review
Multiple Payment Options
Multiple Structures
Dedicated Specialists
About Five Boroughs
Every business deserves an individual review
We look beyond a single score or formula. Your revenue, deposit consistency, cash flow, time in business, credit profile, existing obligations, industry, and intended use of funds all help determine which funding structures may fit.
- Complete-profile review
- Multiple structures from one application
- Plain-English option review
- Confidential business funding request
$5K–$5M
General network range; actual availability depends on underwriting.
Multiple Structures
Business funding, additional capital, and qualifying consolidation scenarios.
Individual Underwriting
Amounts, terms, pricing, and timing vary by applicant and provider.
One specialist
Start to finish — you'll know your funding specialist by name.
Funding Capabilities
A structure for the business in front of us
Our network supports a broad range of profiles. Availability is determined by complete-file underwriting, not one universal formula.
Established Business Funding
Options for financially stronger businesses seeking larger amounts, longer terms, or more competitive structures.
- Larger-capital scenarios
- Longer-term options
- Strength-based underwriting
Additional Working Capital
Options for businesses with an existing funding position that need additional capital for operations or growth.
- First and additional positions
- Current obligations reviewed
- Cash flow must support payments
Consolidation & Payment Relief
Qualifying structures may consolidate or reorganize existing business funding obligations to support cash-flow efficiency.
- Case-by-case review
- Existing balances considered
- No guaranteed payment reduction
Flexible / High-Risk Funding
Programs for businesses that may not fit traditional criteria because of credit, banking activity, industry, or existing obligations.
- Cash-flow-led review
- Some lower-credit options
- Industry-specific underwriting
General Qualification Range
A broad network, evaluated one business at a time
These are general outer ranges across available programs—not an offer or guarantee. Each request is subject to underwriting and provider approval.
$5K–$5M
Funding range
Programs may start around $5,000, with larger options for stronger files.
6+ months
Time in business
Many programs prefer 12+ months; larger structures may require 2+ years.
$5K+
Monthly revenue
Starting points vary by program, position, industry, and requested amount.
500+
Credit profiles
Some options begin around 500; select cash-flow-led programs may not state a minimum.
Up to 24 months
Potential terms
Term length varies by structure, provider, and underwriting.
1st–8th
Position scenarios
First-position and additional-capital options may be available.
Multiple payment options are available. Consolidation or restructuring may also be considered for qualifying businesses based on balances, payment history, and cash flow.
Industries We Serve
Funding tailored to your industry
From job-site to dining room — we understand the cash flow rhythms that matter.
Construction
Roofing
Landscaping
Transportation
Restaurants
Auto Repair
Retail
Healthcare
Manufacturing
Professional Services
How It Works
A funding process built around your business
Understand the available structures before deciding whether to move forward.
01
Tell Us About the Business
Start with the short pre-qualification form or complete the full application when you're ready.
02
Complete-Profile Review
We review revenue, deposits, cash flow, history, credit, obligations, industry, and funding purpose.
03
Review Your Options
We identify available structures from our network. You review the details and decide what makes sense.
Simple Underwriting
Start with two things
An initial review typically starts with the last 4 months of business bank statements and a completed application. Larger or more complex requests may require additional documents as part of underwriting.
Start My ApplicationLast 4 Months
Business Bank Statements
Recent statements help us understand revenue, deposits, balances, and cash flow.
Completed
Application
Business, ownership, and funding details give our team the context needed to review the request.
A straightforward place to start. Additional documents may be requested based on the program and business profile.
Why Choose FBF
Built on transparency, service, and long-term partnership
Responsive Review
A focused process built around your complete file.
Flexible Funding Options
Multiple structures for different business profiles.
Personalized Service
Real specialists, not a 1-800 queue.
Transparent Process
Review the available structure before deciding.
Growth-Focused
Funding strategies built to scale you.
Wide Industry Coverage
From construction to healthcare.
Ongoing Support
We stay with you well past funding.
Dedicated Specialists
One point of contact, start to finish.
What We Evaluate
More than a single credit score
Every provider has its own criteria. We consider the full picture before identifying structures that may be available.
Up to $5M
Funding options
Up to 24 months
Terms
Revenue & Deposits
Monthly revenue, deposit volume, consistency, and recent banking activity help establish capacity.
Cash Flow & Obligations
We review current payments, average balances, negative days, and the ability to support a new structure.
Business History & Credit
Time in business and credit are considered together rather than as a single pass-or-fail measure.
Industry & Use of Funds
Industry characteristics and the intended use of capital help determine which programs may be appropriate.
Get Pre-Qualified
Not ready to apply? Start here
Answer a few quick questions — no documents, no signature, no obligation. A funding specialist will review your business and let you know which programs may be a fit.
About 60 seconds
Seven quick questions.
No paperwork yet
Statements only if you move forward.
Confidential
Your details stay private.
Apply Now
Complete & sign your application
Fill out and electronically sign the full funding application right here, upload your last 4 months of business bank statements, and a specialist will reach out — typically within 4 business hours.
Email a specialist
submissions@fiveboroughsfinance.com
Secure & confidential
Your information stays private.
One-step submission
Signed PDF application + statements sent together.
FAQ
Answers before you apply
How much funding may be available?
Our network includes programs starting around $5,000, with larger-capital options reaching up to $3,000,000 for qualifying businesses. The amount available depends on revenue, cash flow, time in business, credit, existing obligations, industry, and underwriting.
How quickly will my request be reviewed?
We begin reviewing complete requests promptly. Timing for decisions and funding varies by provider, requested amount, documentation, and underwriting.
What documents are required?
An initial review typically starts with a completed application and the last 4 months of business bank statements. Larger or more complex programs may request additional financial information.
Can newer or lower-credit businesses apply?
Options may be available starting around 6 months in business, and some programs consider credit profiles around 500 or use a cash-flow-led review. Eligibility is determined case by case.
Can I apply if I already have business funding?
Yes. Our network includes first-position and additional-capital scenarios. Current obligations, payment history, balances, and cash flow are reviewed to determine whether another structure is appropriate.
Is consolidation or restructuring available?
Qualifying businesses may have access to consolidation or restructuring options. Availability and potential cash-flow impact depend on existing balances, payment history, and underwriting; savings or payment reductions are not guaranteed.
How does the process work?
Tell us about the business, let us review the complete financial profile, consider the available funding structures, and decide whether an option makes sense for you. There is no obligation to proceed.
Ready to explore what may fit your business?
Tell us about your business. We'll review the complete profile and identify available structures for you to consider.