Downtown Flushing has some of the busiest retail blocks in the city. If your credit does not reflect how busy your store is, we start with FICO 500 and your bank statements.
Apply Now →Flushing, in Queens, is a dense commercial hub. The intersection of Main Street and Roosevelt Avenue is described as the third-busiest in New York City, behind Times Square and Herald Square, and downtown Flushing is described as the fourth-largest central business district in the city. The Main Street station is the terminus of the 7 train, and the Long Island Rail Road's Port Washington Branch also stops in Flushing.
High foot traffic comes with high fixed costs. Storefronts pay for visibility, and an owner with a strong sales month still has to cover rent, payroll and inventory in the same account. Credit can be a poor mirror of that.
Restaurants and food markets, import and wholesale shops, karaoke venues, boutiques and professional-services storefronts all operate here, with a Korean-business concentration historically centered on Union Street and extending east along Northern Boulevard. Their cash flow mechanics differ:
| Type | Cash pressure point |
|---|---|
| Restaurants and bakeries | Weekly produce and protein bills; equipment repairs |
| Import and wholesale | Paying suppliers and freight before the goods sell through |
| Professional-services offices | Rent and staff costs while client invoices are outstanding |
| Boutiques and gift shops | Buying holiday stock early; slower weeks after |
We consider FICO scores of 500 and above. The credit pull is soft. Rather than tax returns, we ask for about three months of business bank statements. Applications take about five minutes, and sole proprietors can apply. Many family-run shops are organized exactly that way.
If much of your revenue comes in cash or is deposited irregularly, make sure the deposits reach the business account before you pull statements; revenue that never touches the account cannot show up in them.
Suppose a Flushing importer places a $75,000 order that ships in six weeks and must be paid at order. The goods sell over the following two months. In between, rent and payroll continue. That is a gap of roughly three months between money out and money back.
These numbers are for illustration only. They are not our terms, rates or typical outcomes. Funding starts at $25,000 and goes up to $5,000,000, with funding in as little as 24 hours for approved businesses, which suits purchase windows that will not wait.
If you need less than $25,000, this product likely is not it. If you are near 500 FICO and have steady deposits, it is worth a five-minute application at our application page.
Yes, as long as the revenue is deposited into a business bank account. About three months of statements are reviewed, so the deposits need to show there.
No. Sole proprietors can apply.
No. Tax returns are not required.
No. We use a soft credit pull.
As little as 24 hours for approved businesses, in amounts from $25,000 to $5,000,000.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
