Golden Hill by Francis Spufford

One rainy evening in November, a handsome young stranger fresh off the boat pitches up at a counting-house door in Golden Hill Street: this is Mr Smith, amiable, charming, yet strangely determined to keep suspicion simmering. For in his pocket, he has what seems to be an order for a thousand pounds, a huge amount, and he won't explain why, or where he comes from, or what he can be planning to do in the colonies that requires so much money. Should the New York merchants trust him? Should they risk their credit and refuse to pay? Should they befriend him, seduce him, arrest him- maybe even kill him?