Long Island's Direct Business Lender

Plant the Seed of Your Business Growth

Seed Holdings Inc delivers flexible business financing solutions to entrepreneurs and business owners across New York. Fast decisions, transparent terms, personal service.

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Fast Decisions
Direct Lender

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$500M+ Total Funded
2,400+ Businesses Served
24–48h Average Decision Time
15+ Years of Experience

Financing Solutions

Capital for Every Stage of Growth

Whether you're expanding operations, purchasing equipment, or managing cash flow, Seed Holdings has a solution designed for your business.

SBA Loans

Government-backed financing with competitive rates and extended terms — ideal for established businesses with strong credit seeking major capital investments.

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Equipment Financing

Acquire the machinery, vehicles, and technology your business needs. Preserve working capital while building equity in business-critical assets.

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Working Capital

Bridge cash flow gaps, fund seasonal demand spikes, and fuel operational growth with flexible working capital solutions structured around your revenue cycle.

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Invoice Financing

Unlock the value tied up in outstanding invoices. Get immediate access to capital without waiting on slow-paying clients to settle their accounts.

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Business Line of Credit

Access revolving credit on your schedule — draw funds as needed, repay, and borrow again. Perfect for businesses that need flexible, on-demand capital.

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Commercial Real Estate

Purchase or refinance the commercial property your business calls home. Competitive financing for owner-occupied and investment commercial real estate.

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Business owners meeting with Seed Holdings advisor
15+ Years Serving NY Business Owners

Why Seed Holdings

A Lender That Grows With You

We're not a bank. We're a direct lender built around the real needs of business owners — fast, flexible, and always personal.

  • Fast Approvals

    Most decisions in 24–48 hours. We respect your time and know capital needs can't always wait.

  • Dedicated Relationship Manager

    Work directly with an experienced advisor — not a call center. Sarah and our team know your business by name.

  • Transparent Terms

    No hidden fees. No surprise rate changes. We walk you through every detail before you sign.

  • Locally Rooted, Nationally Capable

    Based in Melville, NY — we understand Long Island's business landscape and serve entrepreneurs nationwide.

How It Works

From Application to Funded in 4 Steps

A streamlined process designed to minimize friction and get capital in your hands.

1

Apply Online

Complete our simple application in minutes. Basic business details, no lengthy paperwork to start.

2

Consultation

Your dedicated advisor reviews your goals and matches you with the right financing structure.

3

Get Approved

Fast decisions — most approvals within 24–48 hours. Clear terms, no surprises.

4

Receive Funds

Capital deposited directly to your business account. Start growing immediately.

Client Stories

Businesses We've Helped Grow

"Seed Holdings came through when two banks said no. The process was fast, the terms were clear, and Sarah walked us through everything. We had funds in days."

M
Marcus T.
Restaurant Owner, Queens, NY

"As a contractor, cash flow is everything. The equipment financing from Seed Holdings let us take on twice the jobs without tying up all our capital. Game changer."

L
Lisa R.
General Contractor, Long Island, NY

"I've worked with several lenders. Seed Holdings is different — they actually listen. Our advisor understood our seasonal business model and structured our line of credit accordingly."

D
David K.
Retail Store Owner, Nassau County, NY

Ready to Plant Your Seed?

Tell us about your business and funding goals. Our team will respond within one business day with financing options tailored to your needs.

Start Your Application