BAJ FUNDING INC was founded on a simple principle: business owners deserve direct access to capital without brokers, unnecessary delays, or hidden complexity. Based in Brooklyn, New York, we understand the rhythm of metropolitan business — where timing is everything and trust is earned.
For over 15 years, we've served as a direct lender to businesses across New York and beyond. We've deployed over $500 million in capital to entrepreneurs who build, create, and grow. Our underwriting process is designed for speed without sacrificing diligence — most applications receive a decision within 24 hours.
We're not a bank. We're not a broker. We're a direct funding partner who sits across the table from you, understands your business, and delivers capital when you need it.
Working with a direct lender means fewer layers between you and your capital. There's no third-party approval process, no broker markup, and no waiting for someone else to make a decision.
When you work with BAJ FUNDING INC, you're working with the decision-makers. Our team reviews your application, structures the funding, and delivers the capital — all under one roof at our Brooklyn office.
This vertical integration means faster approvals, more flexible terms, and a funding partner who genuinely understands your business needs. It's lending the way it should be — direct, transparent, and efficient.
Every term sheet is transparent. Every fee is disclosed upfront. We build relationships that last because we never cut corners on trust.
Business moves fast. Our 24-hour approval process ensures you're never waiting while opportunities pass. Efficiency is in our DNA.
We come from the same streets as our clients. We understand what it takes to build something real. That shared experience shapes every decision we make.
As a direct lender, we eliminate the middleman markup. You get the actual rate — not a rate plus someone else's commission.
Our in-house underwriting team reviews every application with urgency. Most businesses receive a funding decision within one business day.
We tailor funding to your business model — not the other way around. Revenue-based, fixed-term, or revolving — the structure fits your cash flow.
Brooklyn is home. We understand the local business landscape, seasonal patterns, and what it takes to thrive in the five boroughs.
Whether you need working capital, equipment financing, or a flexible line of credit — we're ready to listen.
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