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# TRAM Funding

Supporting Business Owners

## Sitemaps

- [XML Sitemap](https://tramfunding.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [What the New SBA Refinancing Policy Means for Loan Brokers](https://tramfunding.com/blog/what-the-new-sba-refinancing-policy-means-for-loan-brokers/) - BLOG June 6, 2025 What the New SBA Refinancing Policy Means for Loan Brokers Share BLOG June 6, 2025 Starting June 1, 2025, the Small Business Administration (SBA) is introducing a significant policy shift that will prohibit the use of SBA loans to refinance Merchant Cash Advances (MCAs) or factoring agreements under the SBA 7(a)
- [Small Business Finance: Avoiding Common Mistakes in 2024](https://tramfunding.com/blog/small-business-finance-avoiding-common-mistakes-in-2024/) - BLOG February 9, 2024 Small Business Finance: Avoiding Common Mistakes in 2024 Share BLOG February 9, 2024 Navigating the financial landscape of a small business can take time and effort. It’s a journey filled with learning curves and, sometimes, financial mistakes. This blog explores the crucial question: Is it okay to make financial mistakes? We’ll dive into
- [Pros and Cons of Buying an Existing Business (2024)](https://tramfunding.com/blog/pros-and-cons-of-buying-an-existing-business/) - BLOG January 23, 2024 Pros and Cons of Buying an Existing Business (2024) Share BLOG January 23, 2024 Is buying a business a good idea? There is no simple answer, but buying a business can either be a wise choice or a disaster depending on the industry. Buying a business comes with its risk, but
- [Understanding Soft Pull Business Lines of Credit (2024)](https://tramfunding.com/blog/understanding-soft-pull-business-lines-of-credit-2024/) - BLOG January 27, 2024 Understanding Soft Pull Business Lines of Credit (2024) Share BLOG January 27, 2024 Business lines of credit offer flexible access to capital on an as-needed basis. It’s a popular tool for businesses in all industries, but it’s important that every entrepreneur understands everything that comes with getting a line of credit,
- [Midtown runner set to run New York City marathon after near-fatal medical emergency last year](https://tramfunding.com/press/midtown-runner-set-to-run-new-york-city-marathon-after-near-fatal-medical-emergency-last-year/) - BLOG January 31, 2024 Midtown runner set to run New York City marathon after near-fatal medical emergency last year Share BLOG January 31, 2024 A Midtown man is not letting his heart problems stand in the way of maintaining a healthy lifestyle. 50-year-old Gregg Templeton has always been a runner. He started running as a way
- [What’s To Come in 2023? The Industry Shares Their Predictions](https://tramfunding.com/press/whats-to-come-in-2023-the-industry-shares-their-predictions/) - BLOG January 31, 2024 What’s To Come in 2023? The Industry Shares Their Predictions Share BLOG January 31, 2024 It’s halfway into the first month of the new year and the expectations for 2023 are buzzing. Fintech and alternative finance executives have different views on what’s to come. Here’s what they had to say: Nick
- [Woman-Owned Small Business (WOSB) Certification: Empowering Entrepreneurs](https://tramfunding.com/blog/woman-owned-small-business-wosb-certification-empowering-entrepreneurs/) - BLOG March 28, 2024 Woman-Owned Small Business (WOSB) Certification: Empowering Entrepreneurs Share BLOG March 28, 2024 Introduction In the dynamic landscape of business, diversity and inclusion are essential for fostering innovation and economic growth. One crucial avenue for promoting diversity is through Woman-Owned Small Business (WOSB) certification. In this blog post, we’ll explore what WOSB

## Pages

- [Home](https://tramfunding.com/) - Need a business loan broker in New York? Get instant approval with TRAM Funding professional Financial Business Advisor. Our expert guidance provides instant solutions for your needs.
- [Merchant Cash Advance](https://tramfunding.com/merchant-cash-advance/) - Get fast merchant cash advances in New York with TRAM Funding. Secure quick business cash to fuel growth. Apply now for hassle-free financing!
- [Contact](https://tramfunding.com/contact/) - Do you need help? Complete the form below to send us your questions. First Name Last Name Email Phone Select your Topic Select your Topic Financing Support Partnerships How can we help you? Get In Touch Contact Us Now: (212) 717-9000 info@tramfunding.com Manhattan - New York City TRAM Funding300 E. 59th Street Ste: 3605New York,
- [Applications](https://tramfunding.com/applications/) - Applications AccountsReceivable Equipment Funding(General App) ProjectIntake Form Real EstateRes & Comm Real EstateHard Money WorkingCapital Creating Opportunities Seize the opportunity to grow your business and gain access to the capital you need. Apply Now (212) 717-9000
- [Become a Partner](https://tramfunding.com/become-a-partner/) - Partnership Programs The Only PartnershipYou'll Ever Need.!!! Your Clients - Our Services 24 / 7 Portal - Submit & Track Pipeline Access over 75 + Lending Sources 15 Lending Programs Capital Advisory - Equity & Debt Trackable & Personal Digital Application Commissions Split - Paid Fast - Bonuses! Co-Branded Marketing Collateral - 15 PDF's Personalize
- [SBA 504](https://tramfunding.com/sba-504/) - SBA 504 Loans Long Term Funding for Major Purchases Buy Commercial Property Refinance Commercial Debts Greater Credit Lines - Less Down Payment Apply Now Key HighlightsLow - CostLong - Term Capital IncreasedCapital Borrow up to$5 Million GovernmentBacked Competitiveinterest rates ExtendedRepayment Terms up to25 years Build bigger & better withSBA - backed funding SBA 504 loans
- [Equipment Financing](https://tramfunding.com/equipment-financing/) - Equipment Finance Agreements (EFAs) are an excellent way to finance your equipment purchases. Secure financing for your equipment needs with ease. Apply now!
- [Cannabis ](https://tramfunding.com/cannabis/) - TRAM Funding provides CBD, marijuana, and cannabis equipment financing and loans in New York. Our customized solutions ensure your business's success. Apply now!
- [Retail](https://tramfunding.com/retail/) - TRAM Funding offers retail business loans for store financing in New York. Get the financial support you need to grow your retail business today!
- [Restaurant](https://tramfunding.com/restaurant/) - Restaurant financing solutions from TRAM Funding let you get loans right away for your business in New York City. Get the funding your business needs right now!
- [Commercial Trucking](https://tramfunding.com/commercial-trucking/) - Secure commercial truck financing and trucking loans in New York with Tram Funding. Get the support you need for your trucking business today!
- [Legal / Pre - Settlement ](https://tramfunding.com/legal-pre-settlement/) - Access New York legal funding and loans with our pre-settlement financing options. Get the support you need during legal proceedings. Apply now!
- [Medical & Healthcare](https://tramfunding.com/medical/) - Based in New York? Explore medical equipment financing with TRAM Funding. Get finance solutions suited for your healthcare needs today! Expert financing & leasing
- [Construction Finance](https://tramfunding.com/construction-finance/) - Unlock construction equipment financing and heavy equipment loans with Tram Funding. Empower your projects with flexible financing solutions today!
- [Micro Lending](https://tramfunding.com/micro-lending/) - Access micro financing for small businesses with our micro lending services. Get the support you need to grow your business. Apply now!
- [Fix N Flip Loans](https://tramfunding.com/fix-n-flip-loans/) - Explore fix and flip financing options in New York with our loans. Simplify your investment process. Discover hassle-free solutions now!
- [Small Business Loans](https://tramfunding.com/small-business-loans/) - Get instant approval for small business loans in New York. Tram Funding provides customized solutions to meet your financial needs. Apply now!
- [4 Hour Program](https://tramfunding.com/4-hour-program/) - Access up to $250,000 in funding for 4-hour programs with TRAM Funding. Quick and hassle-free financing solutions are available now!
- [Supply Chain Finance](https://tramfunding.com/supply-chain-finance/) - Discover how supply chain finance works, its benefits, and solutions designed for you. Simplify your processes and optimize cash flow. Explore now!
- [Accounts Receivable](https://tramfunding.com/accounts-receivable/) - Learn how accounts receivable financing operates and its benefits. Explore this financing option to streamline cash flow and fuel your business growth.
- [Franchise Financing](https://tramfunding.com/franchise-financing/) - Secure franchise financing for your New York business with Tram Funding. Get the funding you need to grow your franchise today. SBA loans, term loans, and more
- [Lines Of Credit](https://tramfunding.com/lines-of-credit/) - Access business lines of credit in New York with same-day funding and loans from Tram Funding. Apply now for quick financial support!"
- [ M&A](https://tramfunding.com/ma-solutions/) - M&A Solutions Driving Deal Value at Every Phase Who We Are Seasoned Wall Street veteranInvestment Banker / Middle Market Broker.30 years at top tier firms leads the M&A advisory team. Our robust ecosystem and comprehensive M & A capabilitiesare designed to maximize value and drive growth for your business. Proven track record with decades of
- [Capital Advisory](https://tramfunding.com/capital-advisory/) - Capital Advisory Capital Advisory OUR NETWORK IS OUR CURRENCY Exclusive Marketplace of Investors from Multiple Industry Sectors.Unique Fundraising Tools used to make genuine partnerships. what we do Every business has a Story. - Tell Us Yours!Tailored services to fit your needs. DEVELOPFundraising Strategy that is Aligned with your Business Goals. IDENTIFYPotential Investors and Create a
- [Debt Sourcing](https://tramfunding.com/debt-sourcing/) - Debt Sourcing Debt Sourcing OUR NETWORK IS OUR CURRENCY TRAM Funding specializes in providing tailoredDebt Sourcing solutions to help Businesses secure the Capital they need to Thrive and Grow. We Source a Variety of Debt Types to meet theNeeds of our Clients, including: Asset Based LendingConvertible Debt Mezzanine FinancingSenior Debt Subordinated DebtSyndicated Loans Our Approach
- [SBA 7(a)](https://tramfunding.com/sba-7a/) - SBA 7(a) loans Long Term Funding Backed by the Government Up to 5 million Repayment Terms up to 25 years Apply Now Key HighlightsUnlock your businessgrowth today IncreasedCapital Borrow up to$5 Million GovernmentBacked Competitiveinterest rates ExtendedRepayment Terms up to25 years Expand with Confidence - Backed by the SBA SBA 7(a) loans are government-guaranteed business loans
- [Blog](https://tramfunding.com/blog/) - TRAM FundingBlog BLOG What the New SBA Refinancing Policy Means for Loan Brokers BLOG Woman-Owned Small Business (WOSB) Certification: Empowering Entrepreneurs BLOG Small Business Finance: Avoiding Common Mistakes in 2024 BLOG Understanding Soft Pull Business Lines of Credit (2024) BLOG Pros and Cons of Buying an Existing Business (2024)
- [Asset Based Lending](https://tramfunding.com/asset-based-lending/) - Learn about the process of asset-based lending and start securing your loan today. Take advantage of our hassle-free financing solutions!
- [Partner](https://tramfunding.com/partner/) - Create Opportunities - Never Give Up YOUR - HEADING - HERE Revenue Based Financing (Cash Flow) Asset Based Loans & Receivable Financing Equipment Financing - (New & Used) Small Business Loans & Lines of Credit SBA Loans & Acquisition Loans Project Financing - Contractor Loans Real Estate Loans - Residential & CRE Capital Advisory -
- [Apply Now](https://tramfunding.com/apply-now/)
- [Upload Documents](https://tramfunding.com/upload-documents/) - Upload 6 Months of Bank Statements Please enable JavaScript in your browser to complete this form.Please enable JavaScript in your browser to complete this form. Upload Statements * Click or drag files to this area to upload. You can upload up to 10 files. Verify Captcha * = ID Upload Complete Secure Upload © 2024
- [San Diego](https://tramfunding.com/small-business-loans-san-diego/) - We specialize in small business loans in San Diego, featuring Asset-Based Lending, Business Term Loans, and Business Cash Advances to fit your needs.
- [Seattle](https://tramfunding.com/small-business-loans-seattle/) - Looking for small business loans in Seattle? TRAM Funding provides Asset-Based Lending and Business Term Loans to fit your needs. Contact us today!
- [Los Angeles​](https://tramfunding.com/small-business-loans-los-angeles/) - Looking for Small Business Loans Los Angeles? TRAM Funding offers custom solutions including Asset Based Lending, Business Term Loans, and Cash Advances.
- [Boston](https://tramfunding.com/small-business-loans-boston/) - Discover top Small Business Loans Boston. Tram Funding provides Asset Based Lending, competitive Business Term Loans, and fast Business Cash Advances.
- [Philadelphia](https://tramfunding.com/small-business-loans-philadelphia/) - Get the capital you need with small business loans Philadelphia. Our services include asset-based lending, business term loans, and cash advances.
- [Washington](https://tramfunding.com/small-business-loans-washington/) - Looking for small business loans in Washington? We provide business cash advances, term loans, and asset-based lending to help your business succeed.
- [New Jersey](https://tramfunding.com/small-business-loans-new-jersey/) - Secure your business's future with our Small Business Loans in New Jersey. We offer Term Loans, Asset-Based Lending, and Business Cash Advance for your needs.
- [Baltimore](https://tramfunding.com/small-business-loans-baltimore/) - Get quick and easy business cash advances, term loans, and asset-based lending solutions in Baltimore. Enjoy same-day funds approval and boost your small business growth.
- [Term Loans](https://tramfunding.com/term-loans/) - Secure your business's future in New York with a Term Loan. Apply now and get the funding you need to grow and succeed in the competitive market.
- [Opportunistic Credit](https://tramfunding.com/opportunistic-credit/) - Explore the situations we fund with Opportunistic Credit at TRAM Funding. Secure financing for your unique needs. Apply now!
- [Subordinated Debt ](https://tramfunding.com/subordinated-debt/) - Unlock insights into subordinated debt with our expert guide to subordinated loans. Get the knowledge you need to make informed decisions. Explore now!
- [Real Estate Financing](https://tramfunding.com/real-estate-financing/) - Get the best property loans in New York with our real estate financing. Simplify your process with hassle-free solutions designed for you.
- [Press](https://tramfunding.com/press/) - Press PRESS What’s To Come in 2023? The Industry Shares Their Predictions PRESS Midtown runner set to run New York City marathon after near-fatal…
- [Partner With Tram](https://tramfunding.com/partner-with-tram/) - Partner With TRAM 24 / 7 Portal - Submit & Track Pipeline Access 75 + Lenders - 15 Funding Programs Digital Application - Secure FinTech Commissions Split - Paid Fast - Bonuses! Co-Branded Marketing - Landing Page & Collateral Unlimited Referrals No Restricted Industries No Real Estate Collateral Needed Financing All 50 States OverRide Program
- [ Analytical Tools](https://tramfunding.com/analytical-tools/) - Download ResourcesAnalytical Tools Below are helpful Financial Statements and Analytical Tools for organizing & evaluating a business & its operations.TRAM Funding utilizes a number of these statements & tools to gain a complete perspective of a company.Below are some documents to review to better understand your organization & what its current financial position is. Personal
- [Apply Now - Copy](https://tramfunding.com/apply-now-copy/) - Supporting Business Creating Opportunities NO HARD INQUIRY - WILL NOT EFFECT CREDIT SCORE
- [Get Funded](https://tramfunding.com/get-funded/) - Get Funded! Tell us about yourself so you can get pre-approved for a loan. First Name Last Name Email Address Phone Submit
- [Terms of Use](https://tramfunding.com/terms-of-use/) - Terms and Conditions Terms of Use Last Revised on _July 2022 By accessing or using the www.tramfunding.com (“Website”) or any service made available by TRAM Funding. or its affiliates (together, the “Service”), however accessed, you agree to be bound by these terms of use (“Terms”). Your use of, or participation in, certain Services may be subject to additional terms, and
- [Privacy Policy](https://tramfunding.com/privacy-policy/) - Privacy Policy What information do we collect? We collect information from you when you apply on the site, participate in another site feature, or provide to us in offline contacts that we have with you. When applying, we may ask you for your name, e-mail address, mailing address, phone number, gross sales and credit card
- [About](https://tramfunding.com/about/) - Protecting your ideas Miller & Cole is tremendously proud of the impact that we have made in helping our clients by providing quality legal services and exceptional customer service. Quality Results Our goal is to create assets from our clients’ innovations through patent, trademark and copyright law. We take great pride in providing quality trademark

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- [blog single](https://tramfunding.com/?elementor_library=blog-single) - BLOG Pratibha Chauhan September 12, 2024 blog single Share BLOG Pratibha Chauhan September 12, 2024 Introduction In the dynamic landscape of business, diversity and inclusion are essential for fostering innovation and economic growth. One crucial avenue for promoting diversity is through Woman-Owned Small Business (WOSB) certification. In this blog post, we’ll explore what WOSB certification
- [blog](https://tramfunding.com/?elementor_library=blog) - BLOG What the New SBA Refinancing Policy Means for Loan Brokers BLOG Woman-Owned Small Business (WOSB) Certification: Empowering Entrepreneurs BLOG Small Business Finance: Avoiding Common Mistakes in 2024 BLOG Understanding Soft Pull Business Lines of Credit (2024) BLOG Pros and Cons of Buying an Existing Business (2024)
- [faq](https://tramfunding.com/?elementor_library=faq) - More About Equipment Leasing & Financing in New York WHAT IS EQUIPMENT FINANCING? Regardless of your industry, we can help you obtain the best deal on business equipment financing for virtually every type of equipment. We work with a wide range of business types, including medical, software, manufacturing, commerce, food services, automotive, and much more.Equipment financing
- [button](https://tramfunding.com/?elementor_library=button) - Apply Now
- [term loan](https://tramfunding.com/?elementor_library=term-loan) - Single Family / 2-4 Family Multi-family Mixed Use Cross-Collateralized Base Rate 7.5% 8.5% 8.75% 7.5% Min Loan Amount $75,000 $250,000 $250,000 $100,000 Max Loan Amount $3,000,000 $10,000,000 $3,000,000 $10,000,000 Max Purchase LTV 80% 75% 75% 75% Refinance / Cashout 75% 75% 70% 75% Max LTC 80% 75% 75% 80% Minimum FICO 660 680 680 660
- [bridge loan](https://tramfunding.com/?elementor_library=bridge-loan) - Single Family / 2-4 Family First Time Borrower Multi-family Mixed Use Commercial Ground Up Base Rate 10.25% 11% 11.5% 11.5% 11.5% 10.5% Min Loan Amount $100,000 $100,000 $250,000 $250,000 $250,000 $100,000 Max Loan Amount $10,000,000 $10,000,000 $75,000,000 $75,000,000 $50,000,000 $10,000,000 Max Refinance LTV 75% 70% 75% 75% 65% 75% Max Purchase LTV 90% 70% 90%
- [table](https://tramfunding.com/?elementor_library=table) - Investment Size: $250k-$15mm (10% of revs or 1x net income) Rank: Senior, Jr Secured, Subordinated, unsecured, off-balance sheet Cost: Mid-teens to mid-thirties Term: 1-12 months Prepayment: 30-50% discount period first half of program AIR: Eligible for additional capital once 40-50% paid in Equity: None Time to close: 3-4 days Geography: US based or international with
- [contact](https://tramfunding.com/?elementor_library=contact) - Do you need help? Please fill out the form below to send us your questions. First Name Last Name Email Phone How can we help you? Send Contact Us Now: (212) 717-9000 info@tramfunding.com New York, New York TRAM Funding300 East 59th Street Suite 3605New York, NY 10022 Linkedin Facebook Instagram Twitter Pinterest
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