New York
Business funding in New York.
Citadel Ridge arranges facilities for operating businesses in New York through third party lenders and funders, across all 10 structures. This page starts with the protection New York law already gives you, because most owners do not know they have it.
Last reviewed September 18, 2026.
Your rights first
What New York requires before you sign.
The $2,500,000 threshold means most middle market facilities placed to a New York business carry a disclosure obligation, not just small advances.
New York's Commercial Finance Disclosure Law, with Department of Financial Services regulations effective August 1, 2023, requires a provider to deliver a standard disclosure on commercial financing of $2,500,000 or less, a threshold 5 times California's. It covers loans, lines of credit, sales based financing, factoring and lease financing. Brokers must pass the provider's disclosure through unaltered; there is no separate broker registration under the disclosure law itself.
Citadel Ridge is a broker and advisor, not a provider. It does not extend financing, does not set the terms of any offer, and does not prepare the provider's statutory disclosure. What it does is pass that disclosure to you exactly as issued, put the annualized cost of every offer in front of you computed the same way, and disclose in writing what the firm is paid on your transaction before you sign. The full picture across every state with a law is on the state disclosures page, and the compensation mechanics are on the how we get paid page.
Worth knowing. New York is the other state where 4 months of bank statements is the common requirement.
The market here
What New York files look like.
Appetite follows the economy.
New York concentrates professional services, construction, food service, wholesale and transport, and it is also the address of a large share of the merchant advance industry itself, which means a New York business is marketed to harder than almost any other. The volume of inbound offers is not evidence of the quality of any of them.
Whatever the sector, the read is the same: what the deposits actually show, what is already debiting the account, what the business owns free and clear, and what the file is missing. Industry specific detail for the 6 verticals this firm works most often is on the industry pages.
Before you call anyone
Do these 3 things.
They cost nothing, they take an afternoon, and they change what the market will quote you.
Measure what you already carry
If you have advance positions, run the stack calculator and get the monthly debit load as a share of deposits. If you are holding a single offer, run the factor rate converter. Most owners have never seen either number, and both of them decide what structure is even available.
Assemble the file
4 to 6 months of business bank statements, recent financial statements, a debt schedule listing every obligation including advances, and a note on anything unusual in the statements. A complete file gets competing offers. An incomplete one gets a single quote priced for the counterparty's uncertainty. The funding file checklist is free and takes no email address.
Use the free public help
Before paying anyone, use what already exists: the Small Business Administration's local assistance finder at sba.gov/local-assistance lists the SBA district office, SCORE chapters, Small Business Development Centers and Women's Business Centers serving New York, all at no charge. They are not a substitute for a capital process, and they are a good place to start.
Summaries of New York law are general information, not legal advice, and the statutes and regulations govern. Thresholds, exemptions and effective dates change; this page is reviewed quarterly and on any change in law. Citadel Ridge LLC is not a lender and does not make credit decisions. Every facility is arranged through third party lenders and funders and is subject to their underwriting and approval.
Start with the file
A straight read within 2 business days.
Send the basics through the intake form: what the file supports, what is missing, and the next step if there is one. If we are not the right desk for it, we say so.