NTIB Finance & Consulting

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NTIB Finance & Consulting Turned down by your bank? We arrange commercial financing for small and mid sized businesses. US and Canada. Call 914.419.3059

Commercial mortgages, bridge, ABL, A/R and PO finance, factoring, equipment and working capital. Services

Commercial Mortgages & SBA Loans
Account Receivable Loans
Asset Based Lending & Finance
SBA Loans
Working Capital Loans
Unsecured Business Credit Lines
Purchase Order Financing
Cash Advance Products
Retail – Point of Sale Systems
Basic Bank Card Processing Service
Business Consulting
Insurance Consulting

A manufacturer needed working capital fast. No time for a bank process measured in months, and no appetite for giving up...
10/13/2026

A manufacturer needed working capital fast. No time for a bank process measured in months, and no appetite for giving up equity. They thought they were out of options.

They owned their equipment outright.

We arranged a sale-leaseback: sold the equipment to a lender, leased it right back. $2,000,000, closed in about three weeks with a full appraisal. Production never stopped. Nothing left the floor.

Own your equipment free and clear? You may be sitting on capital you cannot see.

A manufacturer needed working capital fast. We used their existing equipment for a $2M sale-leaseback, closed in approximately three weeks including a full appraisal.

"SBA takes six months." We hear this a lot.Some do drag. But usually it is not the SBA, it is an incomplete file, a lend...
10/08/2026

"SBA takes six months." We hear this a lot.

Some do drag. But usually it is not the SBA, it is an incomplete file, a lender that rarely does SBA, or a missing document that restarts the clock.

Right lender, clean package on day one, quick answers to follow-up questions: that is most of the difference.

Told SBA takes forever? Tell us what happened and we will tell you if it was the loan or the file. What is the longest you ever waited on a lender?

https://ntibfin.com/services.html -lending
914.419.3059

Full range of business financing: commercial mortgages, hard money loans, SBA loans, accounts receivable financing, equipment finance, working capital, merchant services. 50+ lender network, NY-based, nationwide.

Fifteen thousand pieces of equipment. We counted the schedule twice.A private equity backed company had just bought a di...
09/23/2026

Fifteen thousand pieces of equipment. We counted the schedule twice.

A private equity backed company had just bought a division out of a public company, and every piece of that equipment needed financing on the acquisition timeline.

Five million is not a big number in equipment finance. The schedule is what scares lenders off. Somebody has to value fifteen thousand line items and guess what each one is worth in four years, and most lenders would rather not. It is not a credit problem. It is a work problem.

We placed it on a 48-month term with a lender who does that kind of work, because we knew which one would.

If you are buying a fleet or a division and the asset list is the complicated part, that is fixable. Worth a call before you assume it is not.

https://ntibfin.com/completed-projects.html

914.419.3059

Over $50M in capital raised for businesses across New York and nationwide. See our completed projects including commercial mortgages, equipment financing, SBA loans, and A/R funding.

A bank turning you down is not a verdict on your business. It is one institution applying one set of rules on one day.Th...
09/10/2026

A bank turning you down is not a verdict on your business. It is one institution applying one set of rules on one day.

The reason on the letter is the part that matters, because it tells you which lender should have had the file to begin with.

Under two years in business is a measurement problem, not a credit problem. Equipment finance will fund at six months because the machine itself secures the loan.

Insufficient collateral rarely means you have no assets. It means you have none the bank knows how to take. Equipment you own outright, unpaid invoices and purchase orders are collateral to somebody.

An industry decline is a portfolio policy, not a judgment. There is a desk that writes your industry as normal business.

We put the seven reasons behind nearly every commercial decline we see on one page, with what each one really means and where the file goes next.

https://www.ntibfin.com/declined-for-a-business-loan.html

The conversation and the review are free. If we place your financing we charge a small fee at closing. 914.419.3059

A bank decline is information, not a verdict. What each decline reason really tells you, which lender type funds that exact file, and what changes in 30 to 90 days.

Three weeks. Two million dollars. Full equipment appraisal included.A manufacturer needed working capital and needed it ...
09/08/2026

Three weeks. Two million dollars. Full equipment appraisal included.

A manufacturer needed working capital and needed it fast. No time for a bank to think about it for ninety days.

He figured he was stuck. But he owned all his machines free and clear, and that gear was worth real money just sitting on the floor.

So we did a sale-leaseback. He sold the equipment to a lender, leased it right back, and kept running production exactly the way he always had. Same machines, same crew, same schedule. About three weeks later he had $2M in the bank.

One thing worth knowing: the appraisal sets the number, not what you paid for it years ago.

If you own equipment outright, you may be sitting on capital you cannot see.

More deals we have closed: https://ntibfin.com/completed-projects.html

914.419.3059

Over $50M in capital raised for businesses across New York and nationwide. See our completed projects including commercial mortgages, equipment financing, SBA loans, and A/R funding.

Most owners think of their equipment as a cost. We look at it as collateral that is already paid for.Own your machines o...
09/01/2026

Most owners think of their equipment as a cost. We look at it as collateral that is already paid for.

Own your machines or trucks free and clear? A sale-leaseback lets you sell them to a lender, lease them right back, and keep running exactly as you do today. Same equipment, same floor, same schedule. The difference is cash in your account.

It does not have to be new equipment. The appraisal sets the number, not what you paid. And it is a good fit when you need working capital fast, or when a bank turned you down on collateral while you were standing on it.

Tell us what you own and we will tell you roughly what it could unlock. 914.419.3059

https://www.ntibfin.com/equipment-financing-form.html

Apply for equipment financing or sale/leaseback online. Finance new equipment purchases or unlock capital from equipment you already own. Fast approvals.

Your business is profitable. Your QuickBooks file says otherwise.We see it every week. Good businesses with books that c...
08/31/2026

Your business is profitable. Your QuickBooks file says otherwise.

We see it every week. Good businesses with books that cannot answer basic questions. Revenue in the wrong place, a balance sheet nobody has reconciled, loans booked as income.

It costs you twice. Once when you make decisions on bad numbers, and again when a lender looks at your financials and passes.

If you are past doing your own books but not ready for a full time controller, that middle step is exactly what we do. Bookkeeping, monthly close, KPI reporting and part time CFO work. Certified Xero advisor, QuickBooks Online too.

Call or text 914.419.3059
https://www.ntibfin.com/services.html

Full range of business financing: commercial mortgages, hard money loans, SBA loans, accounts receivable financing, equipment finance, working capital, merchant services. 50+ lender network, NY-based, nationwide.

You delivered the load five weeks ago. The broker still has your money.Every invoice you wait on is a free loan from you...
08/21/2026

You delivered the load five weeks ago. The broker still has your money.

Every invoice you wait on is a free loan from you to a broker who is in no hurry to pay it back. Meanwhile fuel, insurance and payroll come due every single week.

We set trucking companies up with A/R financing that pays you in days, not weeks. Recourse or non-recourse, so if a shaky broker goes under, that loss can be the lender's problem instead of yours.

And when you are ready to add a truck or trailer, we finance equipment too. New and used, terms up to 72 months, through a network of 50+ lenders instead of one bank's box. The same slow-paying receivables that choke your cash flow are what most banks hold against you on an equipment app. We work with lenders who understand trucking and look past that. One conversation covers the cash flow and the iron.

Owner-operators to mid-size fleets. Call or text 914.419.3059
https://www.ntibfin.com/services.html

Full range of business financing: commercial mortgages, hard money loans, SBA loans, accounts receivable financing, equipment finance, working capital, merchant services. 50+ lender network, NY-based, nationwide.

If your customer goes out of business and never pays that invoice, who eats the loss?With most factoring, you do. That i...
08/20/2026

If your customer goes out of business and never pays that invoice, who eats the loss?

With most factoring, you do. That is what "recourse" means. The lender advances you the cash, and if the customer never pays, they charge it right back to you months later.

Non-recourse factoring flips it. The lender carries the credit risk on your customer. If that customer fails, the loss is theirs.

We closed a fully non-recourse deal for a trucking company. No back-charges at all. It costs a little more, and it is not right for everyone, but if one customer is a big piece of your receivables it is worth pricing out.

Nervous about a customer? Call 914.419.3059 and we will tell you straight.

https://ntibfin.com/completed-projects.html

Over $50M in capital raised for businesses across New York and nationwide. See our completed projects including commercial mortgages, equipment financing, SBA loans, and A/R funding.

Daily debits eating your business?If you have a merchant cash advance, or three, you know exactly how this goes. The mon...
08/13/2026

Daily debits eating your business?

If you have a merchant cash advance, or three, you know exactly how this goes. The money came fast. Now something leaves your account every single day whether you had customers or not.

Most owners think they are stuck until it is paid off. Usually you are not.

We work with a lender that refinances merchant cash advances into one conventional term loan. Up to 25 years to repay. Monthly payments instead of daily. One payment instead of four. No balloon at the end.

SBA loans cannot refinance advance debt. This is not an SBA loan, so it can.

Two things worth knowing up front. It is a real application and not every business qualifies. And the program starts at $500,000, so it fits owners with meaningful debt to consolidate rather than one small advance.

If the debits are the reason payroll is tight every month, it costs nothing to find out where you stand.

Call or text 914.419.3059

Full range of business financing: commercial mortgages, hard money loans, SBA loans, accounts receivable financing, equipment finance, working capital, merchant services. 50+ lender network, NY-based, nationwide.

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Service Area:
Chappaqua, NY

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