Taking on debt is something that should be done after doing your due diligence. Depending on what you are using the money for, your margins, your payment terms, your sales volume, do you take credit cards, do you have inventory, your hard assets (real estate, inventory, receivables), your time frame, lost opportunity cost should all be considered when making a decision into what kind of debt/equity you are taking in.
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---Diversified Entities provides Bonded warehouses in Chicago
I do know of a company that provide you a small business loan in New York. They offer loans of up to $250k with no personal guarantee and that do not expose your credit rating since it is not requested. SEE FOR YOURSELF.
Hope I was of help.
Suggest me some online small business loans resources in New York. Who provides small business loans at low interest rates.