Business funding · Hoboken, NJ · $10K – $20M

Funding your
tomorrow, today.

Private credit built to fuel SMBs — flexible capital from $10K to $20M, structured around your cash flow, with approvals in as little as 1 to 24 hours. Headquartered at 2 Hudson Place, Hoboken, NJ.

Get pre-approved Explore solutions
Financing range
$10K–$20M
Approval window
1–24 hrs
Solutions offered
10
Private lenders
150+

Timelines vary by program and eligibility.

NexGen Lending · Hoboken, NJ

01 — The Firm

We give growing businesses access to the capital banks are slow to provide — with clear options, honest guidance and speed that keeps you moving.

Fast pre-approval

See what you qualify for in minutes, with approvals typically within 1 to 24 hours.

Every stage of business

From growing businesses to companies with 20+ years of history, with credit minimums starting at 500 for revenue-based financing.

Beyond the loan

Business credit guidance, accounting, brokering and payment processing under one roof.

02 — Solutions

Capital for every
stage of growth.

All 10 solutions
01 Revenue-based financing Repayments that rise and fall with your income, on a weekly, biweekly or monthly schedule. Learn more → 02 Business line of credit A flexible credit line you draw on when you need it to manage cash flow. Learn more → 03 Term loans & unitranche debt Fixed-term capital and single-facility unitranche structures for acquisitions, refinancing and growth, up to $20M. Learn more → 04 SBA loans Government-backed financing with low rates and flexible terms for established businesses. Learn more → 05 Equipment financing Up to 100% financing for machinery, vehicles and technology, from $10K to $10M, that preserves your cash flow. Learn more → 06 Real estate funding Turn the equity in property you own into business capital. We connect you with lenders in our network for HELOCs, cash-out refinances and real-estate-secured loans. Learn more →
Advisory & services Business credit guidance Accounting & bookkeeping Business brokering Card processing

03 — Why NexGen

The speed banks can't match. Keep the ownership equity investors would take.

Traditional loans take months. Selling equity costs you a piece of your company. We fill the space in between.

Equity investors Highest cost · Dilutive
NexGen Lending Fast · Flexible · Non-dilutive
Traditional bank Slow · Collateral-heavy
Lower Manhattan skyline in black and white across the Hudson River, with the One World Trade Center spire lit green

Based in Hoboken. Funding businesses nationwide.

2 Hudson Place · Hoboken, NJ

04 — Process

Three steps. Measured in hours, not weeks.

Anatomy of a deal · File received
Playing 0:00 / 0:22
Funding application
Submitted 9:02 AM
Business details
Bank statements
Soft credit check · no impact
Matching across 150+ private lenders

01 · Minutes

File
received.

One short application. Your file goes straight to a NexGen specialist.

Illustrative example. Timelines, amounts and offers vary by program and eligibility.

Start your application Takes minutes · Approvals in 1 to 24 hours

05 — Recent fundings

Businesses we've moved forward.

Private equity firm Funded
$5M

Term loan

Fixed-term capital with predictable payments to fund the next stage of growth.

Construction companyFunded
$2.5M

Term loan

Capital to take on bigger projects with fixed, predictable payments.

Auto dealershipFunded
$1.7M

Term loan

Growth capital for the dealership, repaid on a fixed schedule.

$9.2M across these three fundings
150+ private lenders in our network
Move your business forward

Client names withheld for confidentiality. Amounts, terms and timelines vary by business and program.

Client reviews · Google

Five stars. In their words.

See all reviews on Google →
“In an industry where it’s hard to know who to trust, James and his team stood out immediately. Everything was explained clearly, the process was smooth, and I felt taken care of the whole way through. Great people and even better service. I would recommend a million times !!!!”
Natalie AntisGoogle review
“Alfredo and Joseph are the real deal. They helped my business access funding in a short amount of time with great attention to detail and thorough communication. I really appreciate you both. Very professional and easy to do business with!!!”
Susanne AlbarranGoogle review
“Joseph and the Team were excellent in helping me secure funding and capital . The transaction was fast and super easy! No pressure or issues during the whole process! They have competitive rates and had multiple offers to choose from. Best part was they were there available 24/7 whenever I had a question or needed assistance. NexGen is definitely an asset to have on your side when it comes to your buisness funding needs. A+ overall !!!”
Jill SurkusGoogle review · Local Guide
“Oh my God, I don’t think there’s enough space for me to explain how blessed I am and how easy it was to work with Larry. He went above and beyond it made it such an easy process. I can’t wait to do Future business if I could give 10 out of 10, I would what a great experience. Thank you again Larry for making it so easy.”
Mark SelfGoogle review
“Hands down one of the best companies I have ever worked with! Their persistence professionalism, and ability to get the job done is unmatched. A huge thank you to Alfredo & Steve for always going above and beyond to make sure my needs and the needs of my company are met. I will recommend you all to any business owner.”
Kisha ThornellGoogle review

Reviews shown as posted on Google. Individual experiences vary.

Industries we fund

Financing built around how your industry runs.

Seasonal cash cycles, equipment-heavy operations, slow-paying contracts — we structure capital around the realities of your business.

01ConstructionHeavy equipment, materials between draws, and capital to bid bigger jobs.Explore → 02RetailSeasonal inventory, store remodels, fixtures and new locations.Explore → 03ManufacturingMachinery, raw materials and capital for long payment cycles.Explore → 04Auto repair shopsLifts, diagnostics, EV and ADAS tools, and buying your own shop.Explore → 05RestaurantsKitchen equipment, build-outs, slow months and second locations.Explore →
Healthcare Medical practices Dental Trucking E-commerce Beauty salons Gas stations Food trucks Daycares All 29 industries

06 — Partner program

Refer clients. Earn on every funding.

Brokers, accountants and advisors: give your clients access to 10 financing and advisory solutions.

Become a partner
  1. 01

    Submit an application

    Refer a client to the financial products that fit their needs.

  2. 02

    Onboarding

    A dedicated Business Development Officer guides you and your client through the process.

  3. 03

    Earn commission

    Get paid on every successful transaction.

07 — Insights

Guides for Hoboken business owners.

Practical answers on funding, growth and ownership from our team on Hudson Place.

Featured · Lender guide

The best business loan companies in Hoboken, New Jersey (2026)

Compare NexGen Lending, local banks, CDFIs and NJEDA programs. See who lends what, their requirements and where to find free local help.

October 2026 · 14 min read Read the guide
Growth How to finance a second location in Hoboken Which loans fit, how much to budget, what lenders check and how to expand without risking the business you already have. 9 min read Cash flow How Hoboken businesses get through slow seasons Cover payroll and rent in quiet months, choose the right funding for seasonal gaps and build a plan before winter. 8 min read Real estate Should your Hoboken business buy its space or keep leasing? Compare costs, down payments, SBA 504 loans and flood zone rules before you decide. 8 min read Acquisitions How to buy an existing business in Hoboken How acquisition financing works, what to check before you buy and the New Jersey steps you can't skip. 8 min read

Guides for business owners nationwide

Lenders, loan types and how to borrow safely
Lender guideThe best business loan companies of 2026: 5 lenders compared11 min read Loan guideThe best business loans in 2026: a plain-English guide10 min read Lines of creditHow to get a business line of credit: a step-by-step guide12 min read Lines of creditThe best business line of credit lenders of 202611 min read How we workHow NexGen compares lender offers so you get the best deal9 min read Protect your businessBusiness funding scams: 9 red flags every owner should know13 min read MCA refinancingThe best lenders to refinance a merchant cash advance in 202610 min read E-commerceThe best e-commerce business lenders of 202610 min read

Refinance your merchant cash advance

For businesses that qualify
Getting out of an MCAHow to get out of a merchant cash advance: refinance it with NexGenIf you qualify, specific lenders in our network buy out your advance with longer-term financing.10 min read Stacked MCAsHow to get out of stacked MCAs: refinance them into one paymentIf you qualify, NexGen refinances every position into one weekly or monthly payment.10 min read MCA refinancingMCA payments getting hard to make? Refinance before you fall behindIf you qualify, refinance while you're current to get the most options.8 min read

Hoboken funding guides

2 Hudson Place, by Hoboken Terminal
HobokenBusiness funding in Hoboken, NJ HobokenBusiness loans in Hoboken, NJ HobokenBusiness capital in Hoboken, NJ HobokenBusiness line of credit in Hoboken, NJ

Local guides · New Jersey & New York

From our office in Hoboken, NJ
Jersey CityBusiness loans in Jersey City, NJ Hudson CountySmall business funding in Hudson County: loans, programs and free help New JerseyHow to get an SBA loan in New Jersey New JerseyHow NJ contractors finance equipment and bigger jobs Staten IslandBusiness loans in Staten Island, NY New York CityHow NYC small businesses get funded fast HobokenHow Hoboken restaurants finance equipment and slow winters HobokenHow Hoboken shops and boutiques finance inventory and growth

Local industry guides

Financing for the businesses in your neighborhood
Jersey City · RestaurantsHow Jersey City restaurants finance equipment, build-outs and growth Jersey City · RetailHow Jersey City retail shops finance inventory and new locations New Jersey · TruckingHow New Jersey trucking companies finance trucks, fuel and growth Hudson County · MedicalHow medical and dental practices in Hudson County finance growth Staten Island · ContractorsHow Staten Island contractors finance equipment and bigger jobs Staten Island · RestaurantsHow Staten Island restaurants finance equipment and slow seasons Staten Island · Auto repairHow Staten Island auto repair shops finance lifts, tools and expansion Hoboken & Jersey City · SalonsHow Hoboken and Jersey City salons and barbershops finance growth

08 — Questions

Straight answers.

How fast can I get funded?

Most applicants receive an approval decision within 1 to 24 hours. Timelines vary by program and eligibility — SBA and real estate loans take longer.

How much can I borrow?

Financing ranges from $10,000 to $20,000,000, depending on the product, your revenue and time in business.

What do I need to apply?

Your desired amount, time in business, gross monthly revenue, an estimate of your personal credit score, and basic business information.

Can I qualify with less-than-perfect credit?

Revenue-based financing starts at a 500 credit score. SBA loans require 700 or higher, and all other programs require 650 or higher. We also offer business credit guidance to help strengthen your profile over time.

Can I use my home or property to fund my business?

Yes. If you own a home, investment property or commercial building, we can refer you to a lender in our network for a HELOC, cash-out refinance or real-estate-secured loan, so you can put that equity to work in your business.

Fast pre-approval

See what you qualify for.

Answer a few questions and get your pre-approval in minutes.

Office
2 Hudson Place, Hoboken, NJ 07030

Secure application

Apply in minutes. A funding specialist reviews every file.

  • One application, offers from 150+ private lenders
  • Approvals typically in 1 to 24 hours
  • Programs from $10K to $20M
Start your application →

Opens our secure application form in a new tab. Prefer to talk? Call (908) 639-4361.