NTIB Finance & Consulting

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

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.

There is a difference between being bankable and being fundable, and not knowing it costs business owners real money.Ban...
08/13/2026

There is a difference between being bankable and being fundable, and not knowing it costs business owners real money.

Bankable means you fit one particular bank's box. That box is narrow, and it has surprisingly little to do with whether you run a good company. Miss it on a single line item and the answer is no.

Fundable means someone in the market will say yes to your exact situation. We work across a network of more than 50 lenders, so the question stops being whether you fit the box and becomes which lender's box you already fit.

Most owners who get told no are fundable. They were just measured against the wrong box.

Not sure which one you are? The first conversation is free.

914.419.3059

Schedule a free 30-minute consultation with Michael Weinberg at NTIB Finance & Consulting. Discuss your business financing needs — no cost, no obligation.

A profitable business run by a good operator gets declined by a bank somewhere every day. It is usually not about credit...
08/13/2026

A profitable business run by a good operator gets declined by a bank somewhere every day. It is usually not about credit.

It is thin collateral. Or time in business under two years. Or an industry the bank quietly stepped back from last year. Or financials that are accurate but presented in a way that buries the story. Or a debt service ratio that misses the box by a tenth of a point.

Every one of those has a workaround. Finding it is the entire job.

Been turned down recently? Tell us the reason they gave you and we will tell you straight whether it is fixable.

914.419.3059

Your bank said no — now what? Learn 5 alternative financing options including SBA loans, equipment financing, A/R funding, hard money, and sale/leaseback. By NTIB Finance & Consulting.

Most lenders will not touch a New York contractor. The receivables are tied to public jobs, there is retainage, and paym...
08/13/2026

Most lenders will not touch a New York contractor. The receivables are tied to public jobs, there is retainage, and payment can be painfully slow. So the banks run.

We don't.

We raised a $600,000 line for a commercial trade contractor by advancing up to 80 percent of their current accounts receivable. That was money already earned and simply locked up waiting on public job payments. It meant they could make payroll and take the next job instead of waiting on the last one.

If you are a contractor with receivables sitting out there, that is fundable capital, even if your bank has told you otherwise.

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/R financing and factoring get talked about as if they are the same product. They are not, and choosing the wrong one c...
08/13/2026

A/R financing and factoring get talked about as if they are the same product. They are not, and choosing the wrong one can cost you a customer.

The difference comes down to three questions. Who contacts your customer about payment. Who takes the loss if that customer never pays. And what the money actually costs you.

With factoring, the factor generally buys the invoice and deals with your customer directly. With an accounts receivable line, you keep the relationship and collections stay in your hands. Both structures have their place. The right answer depends on your margins and how sensitive those customer relationships are.

Not sure which one fits? Ten minutes on the phone and we will tell you straight.

914.419.3059

Owners use the terms interchangeably, but accounts receivable financing and invoice factoring work very differently: who collects from your customer, who carries the risk of non-payment, and what it really costs.

A $500,000 receivables balance at net 90 is not really a balance. It is an interest free loan you are giving your custom...
08/13/2026

A $500,000 receivables balance at net 90 is not really a balance. It is an interest free loan you are giving your customers.

You already delivered. You already paid your people, your suppliers and your insurance. Then you wait three months to collect on work that is finished.

A/R financing turns those invoices into cash now, typically advancing up to 80 percent of what is already owed to you. Your customers keep paying on their normal schedule. You just stop waiting on them.

How long are your invoices sitting out there? Call and we will ballpark what you could free up.

914.419.3059

Apply for A/R financing or invoice factoring online. Turn your receivables into immediate working capital. Non-recourse options available.

Address

Service Area:
Chappaqua, NY

Website

Alerts

Be the first to know and let us send you an email when NTIB Finance & Consulting posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to NTIB Finance & Consulting:

Shortcuts

Share

Category