About Us

Built in Queens.
Built for Queens.

We're a direct lender rooted in the same neighborhoods we serve. No corporate headquarters. No out-of-state bureaucracy. Just capital and commitment.

Our Story

Small Business Advance LLC was founded with one straightforward belief: the businesses that keep New York running deserve access to capital that keeps pace with them.

We're based on Union Turnpike in Flushing, Queens — one of the most commercially active corridors in the city. We watch businesses open, grow, and fight to stay afloat. We know the difference between a business with a temporary cash flow problem and a business in trouble. And we know how to fund one without punishing the other.

As a direct lender, we make our own decisions. We don't broker your application to a network of third-party funders. We don't charge origination fees to middlemen. We review your business, underwrite the deal ourselves, and fund directly. That's what being a direct lender means — and it's the only way we operate.

Our team has deep experience in alternative business finance and an even deeper understanding of what it takes to run a business in New York. We've worked with restaurants, contractors, medical offices, retailers, and service businesses across all five boroughs. Every application gets a real review by real people who understand business — not just credit scores.

Company Facts

Legal Name Small Business Advance LLC
EIN 33-3543232
Type Direct Lender
Location Flushing, Queens, NY
Industry Financial Services
Funding Range $10,000 – $2,000,000

"We're not the right fit for every business — but for the businesses we work with, we go all in. Speed, transparency, and capital. That's the deal."

— Small Business Advance LLC Team

What We Stand For

Three principles that guide every funding decision we make.

Speed Without Sacrifice

Fast funding doesn't mean careless funding. We move quickly because we've built efficient processes — not because we skip due diligence. You deserve both speed and fairness.

Radical Transparency

You will always know exactly what you're getting — the amount, the cost, the payment structure. No hidden fees. No buried clauses. We believe you deserve to understand every line of your agreement.

Direct Accountability

We are the lender. We make the decisions. When you have a question or a problem, you talk to us — not a call center, not a third-party servicer. Real access to real people.

What "Direct Lender" Actually Means

The business finance industry is full of brokers who call themselves lenders. The distinction matters more than you might think.

When you work with a broker, your application gets shopped to multiple funders. You may not know who's reviewing your information. Each funder may pull credit. Fees get stacked. You negotiate with someone who doesn't have final authority to say yes.

When you work with Small Business Advance LLC, you work with us. We review your file. We make the credit decision. We fund the deal from our own capital. The person you speak with can actually approve your application.

  • No broker fees charged to your deal
  • One credit inquiry — yours stays with us
  • Decisions made in-house, same business day
  • Your financial data stays with one company
  • Funding from our capital — no syndication delays
  • Direct relationship for the life of your funding

Direct Lender vs. Broker

Factor Us (Direct) Broker
Decision authority ✓ In-house ✗ Third party
Broker fees ✓ None ✗ Often 5–15%
Credit pulls ✓ One inquiry ✗ Multiple
Your data ✓ Stays with us ✗ Shared broadly
Funding speed ✓ 24–48 hours ✗ 3–7+ days
Point of contact ✓ Decision maker ✗ Intermediary

Talk to a Real Lender Today

No forms that go nowhere. No broker pitch. Just a direct conversation about your business and your options.

Apply Now