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We fund the businesses that hold a neighborhood together
For more than twelve years, Access Premium Capital has arranged working capital for American small businesses — from a two-person shop on Water Street to a fleet operator across the river.
Our approach
Small business funding shouldn’t feel like an interrogation.
We have been funding American small businesses for more than twelve years. In that time the pattern has not changed: most owners who call us have already been through it somewhere else — a portal that asked for everything, a broker who disappeared, an approval that arrived a week after it would have mattered.
We built the opposite. A short application that pulls real numbers from your bank rather than asking you to attest to them. A named advisor who calls you back. Five distinct products, so the answer to your situation is a structure that fits rather than the one product we happen to sell.
And a document that says, plainly, what your funding costs — before you sign it, not after.
What we hold to
Four commitments we make to every business we fund
One relationship, not a referral chain
We fund and service in-house. Your file is not sold to a third party, and the advisor who structures your offer is the one who answers when you call back.
The number you see is the number
Total cost of capital, payment amount, and schedule are in writing before you sign. There is no fee schedule waiting for you in a later paragraph.
Judged on the business, not a report
We look at time in operation and real revenue moving through your account. Businesses are more than a number on a file somewhere.
Speed where speed matters
An opportunity that closes on Friday is not helped by an approval on Monday. Most approvals fund within 24 hours.
Who we fund
Restaurants, trades, transport, retail, clinics, studios
If your business has been operating for twelve years or more, brings in six figures a year, and runs through a business bank account, there is very likely a structure here that fits.
- Businesses operating twelve years or longer.
- $100,000 or more in gross annual revenue.
- Registered and operating in the United States.
- An active business checking account in the company’s legal name.
Find us
Downtown Manhattan, by the seaport
Our advisors work from 55 Water St, Wall Street, New York. Call during business hours and you will reach a person, not a queue.
Next step
Ready to see what your business qualifies for?
Answer a few questions about your business. An advisor will call you with the options that fit — usually the same day.