Fidelity Funding Group service area
Business funding in Ridgewood, NJ.
Looking for working capital in Ridgewood, NJ? Fidelity Funding Group has funded more than 50,000 businesses and deployed over $800M. Start with a free consultation and see what you qualify for with no credit impact.
Who you talk to in New Jersey.
Owners across New Jersey reach the same Fidelity Funding Group team whether they apply online or by phone. Our nearest office is in Englewood Cliffs, NJ, and its team works with Ridgewood owners by phone and online. We have funded more than 50,000 businesses, with amounts from $5K to $5MM depending on revenue and the program.
Nearest office
Englewood Cliffs, NJ
560 Sylvan Avenue, Suite 3082, Englewood Cliffs, NJ 07632Serving Ridgewood from our Englewood Cliffs office.
Nearby areas we serve
Business owners in Ridgewood often work with the same team as owners in Cliffside Park, Jersey City, Bayonne, Elizabeth, and Englewood Cliffs. All of them are part of our Northern New Jersey service area in New Jersey.
Cliffside Park, NJ
Business funding in Cliffside Park →Jersey City, NJ
Business funding in Jersey City →Bayonne, NJ
Business funding in Bayonne →Elizabeth, NJ
Business funding in Elizabeth →Englewood Cliffs, NJ
Business funding in Englewood Cliffs →What to expect
No credit impact, no guesswork.
Start with a free consultation
Call (212) 634-9121 or apply online. The application takes a few minutes, and checking your options does not lower your credit score.
Compare what fits
Your specialist lays out each available program side by side, usually within hours of your application, so you can choose with the full picture.
Get funded fast
Accept the offer you want, finish the paperwork, and funding is typically completed within 24 hours.
Choose the right capital in Ridgewood, NJ
Each program is built for a different situation. Your specialist will tell you which one matches your revenue and goals.
Merchant Cash Advance
Revenue-based funding for businesses with steady sales. A merchant cash advance is not a loan, and its payments flex with your daily or weekly sales. Speed is the main draw: it suits owners covering inventory, wages, or repairs, or chasing a time-sensitive opportunity.
Learn more →Business Loans
Term loans and working capital solutions for owners focused on stability and growth. Choose this route to fund an expansion, bridge a seasonal dip, or strengthen the balance sheet. No single option suits everyone, so your specialist compares what is available and keeps the conversation direct.
Learn more →Equipment Financing
Upgrade or replace machinery without tying up your reserves. Whether it is new or used, financing equipment keeps money in the account for rent, staff, and growth. Contractors, kitchens, clinics, fleets, and repair shops commonly use it to get better tools on the job sooner.
Learn more →Ridgewood industries we know well
Steady revenue matters more to us than your industry. Still, these six sectors make up a large share of the owners we help.
Trucking & Transportation
Keep fuel, payroll, repairs, and routes moving with working capital built for trucking.
Learn more →Restaurants
Manage payroll, inventory, renovations, and seasonal swings without slowing service.
Learn more →Construction
Bridge project costs, materials, labor, and equipment while invoices are pending.
Learn more →Medical Practices
Invest in people, technology, and patient care with dependable business capital.
Learn more →Retail
Stock up, refresh your store, and handle busy seasons with flexible funding.
Learn more →Auto Repair
Fund lifts, parts, payroll, and growth while keeping bays open.
Learn more →Questions, answered
Before you apply in Ridgewood
Most owners want to know the same things up front: what it costs to check, what we need from you, and how fast a decision comes back. Start with the answers below, then call (212) 634-9121 with anything they leave open.
Does applying with Fidelity Funding Group affect my credit score?
No. Applying does not affect your credit score. We use a soft credit pull to review your application, and a soft pull is not visible to other lenders and does not lower your score.
A hard inquiry only happens if you decide to move forward with an offer. That is the kind of check that can temporarily lower your score by a few points and stay on your report for up to two years. You will know before it happens.
How is a merchant cash advance repaid?
Repayment is taken automatically out of your revenue, usually one of three ways:
- ACH debit. A fixed daily or weekly amount pulled from your business bank account. This is the most common today.
- Split withholding. A set percentage of each card batch is diverted at the processor before it reaches you.
- Lockbox. Your deposits route through a controlled account, which forwards your share to you after the funder's portion is taken.
The practical difference is what happens in a slow week. A percentage based split flexes down with your sales. A fixed daily ACH does not.
How long do I need to be in business?
At least six months. Businesses under six months old are generally too new for revenue based underwriting, because there is not yet enough deposit history to underwrite against.
Fidelity Funding Group
Your next move starts here.
Funding from $5K to $5MM, with a specialist who will help you understand your options.