Golden Hill by Francis Spufford 

New York, a small town on the tip of Manhatten Island, 1746. One rainy evening, a charming and handsome young stranger fresh off the boat from England pitches up to a counting-house in Golden Hill Street, with a suspicious yet compelling proposition – he has an order for a thousand pounds in his pocket that he wishes to cash. But can he be trusted ? This is New York in its infancy, a place where a young man with a fast tongue can invent himself afresh, fall in love, and find a world of trouble….