Engineering precision funding solutions for ambitious businesses since 2018
Cool designs INC is a direct business lender headquartered in New York City, specializing in strategic capital solutions for growth-focused companies. We combine the speed of modern fintech with the reliability of traditional banking, delivering funding that moves at the pace of your business.
As a direct lender, we control every step of the lending process—from application to funding—ensuring transparency, speed, and competitive terms. We're not brokers or middlemen; we're your direct partner in growth.
To empower businesses with swift, strategic capital that accelerates momentum. We believe in evaluating potential, not just history—using data-driven analytics to make fair, informed lending decisions that traditional banks often miss.
24-48 hour funding decisions. When opportunity knocks, we ensure capital is never the bottleneck to your success.
No hidden fees, no surprises. Clear terms, straightforward communication, and honest partnership every step of the way.
Swiss precision meets modern analytics. We leverage technology to evaluate your business potential beyond traditional credit metrics.
Your success is our success. We're invested in your growth, providing support and flexible solutions that evolve with your business.
Operating across all 50 states, we bring New York precision and professionalism to businesses everywhere.
Deep understanding of diverse industries from retail to manufacturing, hospitality to professional services.
Traditional banks say no to 70% of small business loan applications. We say yes to potential. Our proprietary underwriting analyzes cash flow, growth trajectory, and market position—not just credit scores.
We've deployed over $150 million in capital to more than 2,500 businesses, maintaining a 98% client satisfaction rating. From equipment financing to working capital loans, our flexible solutions are designed for real-world business challenges.
When you work with Cool designs INC, you're partnering with a team that understands the challenges of growth, the urgency of opportunity, and the value of a funding partner who moves as fast as you do.
We're committed to responsible lending practices, regulatory compliance, and ethical business conduct. Every loan is structured for mutual success, with terms designed to support growth—not create dependency.
Based in the heart of New York's financial district at 580 5th Avenue, we combine the innovation of a fintech with the stability and expertise of an established financial institution.