Syracuse, NY · Commercial loan broker
Myrtlefield Funding brokers business loans Syracuse companies use to expand, purchase equipment, cover payroll gaps, and acquire commercial property.
The Syracuse funding process: tell us the goal, we position your file with the right lenders, and you choose from the options with a local advisor. No upfront fees.
Myrtlefield Funding works exclusively with commercial borrowers, manufacturers along the Inner Harbor, medical practices in DeWitt, restaurants on Marshall Street, contractors in North Syracuse, retail shops in Armory Square, and distribution warehouses in Clay. Whether you run a three-person HVAC company in Camillus or a fifty-employee precision-machining firm near Hancock Airfield, we broker small business loans Syracuse lenders provide with repayment structures that match your revenue cycle. Our focus is commercial and industrial clients who need capital between $50,000 and $5 million, though we regularly help smaller startups and larger established firms find the right fit. We do not broker consumer loans or residential mortgages.
Central New York's economy swings with winter heating-oil demand, university enrollment cycles at Syracuse University and SUNY ESF, and the ebb and flow of construction season. That rhythm demands business funding Syracuse brokers understand at street level. We know that a paving contractor in Liverpool may need a six-month payment holiday during freeze-up, and that a catering company near the Oncenter sees revenue spikes around convention season. Flexibility of terms means aligning your loan structure with those realities, not forcing a one-size-fits-all amortization schedule.
Loan programs
We also broker commercial real estate loans for property acquisition or refinance, invoice factoring for businesses that cannot wait sixty days to collect, and revenue-based financing for software or subscription companies with predictable monthly income. Every program we present comes with transparent fee disclosure and a comparison of at least two lender options so you can choose the structure that fits.
remain the backbone for Syracuse businesses buying real estate, refinancing existing debt, or funding multi-year expansions. These federally backed products offer longer repayment windows, often ten to twenty-five years, and lower down-payment requirements than conventional commercial mortgages.
Learn more about SBA 7(a) loan optionscover the gap between paying suppliers and collecting receivables. If you operate a wholesale distributor in East Syracuse shipping to retailers across Upstate New York, you may invoice on net-60 terms while your own inventory bills come due in thirty days.
Explore working capital solutionslets you acquire CNC machines, delivery vans, medical imaging systems, or restaurant build-outs without draining operating reserves. Lenders typically advance seventy to one hundred percent of the equipment's cost, using the asset itself as collateral.
Review equipment financing detailsSyracuse companies tap for short-term needs, emergency repairs, inventory pre-buys, payroll during a slow month, provides revolving access to funds up to a pre-approved limit. You pay interest only on the amount you draw, and as you repay principal the credit becomes available again.
How it works
Start with a twenty-minute conversation at our James Street office or by phone at (315) 862-5805. We ask about your revenue history, current obligations, the purpose of the capital, and your preferred repayment timeline. That intake tells us which lenders in our network will compete for your file and which loan structures offer the flexibility you need.
Next, we assemble your financial package, typically two years of business tax returns, interim profit-and-loss statements, a current balance sheet, and a one-page narrative explaining the use of funds. If you are buying a building in Salina or refinancing a property near Destiny USA, we coordinate the appraisal and title work. For equipment purchases, we collect vendor quotes and specs.
We then submit your package to multiple lenders simultaneously, negotiate terms on your behalf, and present you with a side-by-side comparison. You choose the offer that balances rate, repayment schedule, collateral requirements, and prepayment flexibility. We do not make the credit decision, lenders do, but we position your application to highlight strengths Syracuse-area underwriters value: long operating history, local customer concentration, real-estate equity, or contracts with anchor institutions like Upstate University Hospital or the Syracuse City School District.
Closing happens on your timeline. SBA 7(a) transactions may take forty-five to sixty days because of federal paperwork; working capital lines can fund in two weeks; equipment loans often close within ten business days once the vendor invoice arrives. We coordinate signatures, wire instructions, and lien filings so you can focus on running your business.
National online platforms cannot assess whether a snowplow operator in Minoa has sufficient municipal contracts to carry debt through summer, or whether a craft brewery near the Carousel Center will benefit from the city's tourism push. We visit your facility, understand your customer base, and translate that context into a loan narrative lenders trust. Our office at 731 James St, Syracuse, NY 13203 sits three blocks from City Hall and two miles from the I-81/I-690 interchange, making us accessible whether you are based downtown, in the northern suburbs like Clay, or along the eastern commercial corridor through DeWitt and Jamesville.
Flexibility of terms is not a marketing slogan here, it is the reason we broker rather than lend. We have no portfolio to protect, no internal credit box to satisfy. If one lender insists on a personal guarantee and you prefer a cash-flow-only structure, we find another. If you want to defer principal payments during your first winter, we locate lenders who accommodate seasonality. Read about our approach and team.
Explore how we serve businesses across our entire service area, from the industrial parks along Route 11 in North Syracuse to the medical offices clustered around Community General, and discover why commercial borrowers across Onondaga County call us first when they need capital with terms that bend to their reality.
What owners say
Walked us through the whole process in plain English and kept us updated.
Told us upfront what to fix before applying, which saved us a hard pull.
They explained exactly what the lender wanted before we applied, so there were no surprises.
Straight answers and no runaround. We finally understood our options.
They packaged our file properly and took it to the right people the first time.
Local, responsive, and honest about what would and wouldn't work for us.
Individual client experiences; results vary by business and program.
Serving the Syracuse area
We know which lenders fund which kinds of Syracuse businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Market context
Operating from 731 James St in downtown Syracuse, we connect business owners across Onondaga County with lenders offering flexible terms tailored to seasonal cash flow, multi year growth plans, and the realities of operating in Central New York's mixed industrial and service economy.
There are more than 33 million small businesses in the United States.
SBA Office of AdvocacyMost firms that apply for financing seek $100,000 or less.
Federal Reserve Small Business Credit SurveyAbout half of applicant firms sought funds mainly to cover operating expenses.
Federal Reserve Small Business Credit SurveyNational data, reviewed 2026, figures from primary sources.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
