Jericho businesses along the Turnpike and in Jericho Gardens run on payroll and inventory timing, not personal credit scores. We consider FICO 500 and up, and we read your bank statements.
Apply Now →Jericho is a hamlet and census-designated place in Nassau County, on Long Island's North Shore, with a 2020 census population of 14,808. Jericho Turnpike (Route 25) runs through it, and Routes 106 and 107 cross nearby. The commercial life follows those roads: shopping centers built during the post-war suburban expansion, plus a retail and industrial pocket in the Jericho Gardens section along Cantiague Rock Road.
That mix matters for working capital. A storefront on the Turnpike, a contractor's yard off Cantiague Rock Road and a professional office all carry different cash-flow gaps, and a credit score from three years ago says very little about any of them. If you are in Nassau County and a bank turned you down on credit alone, the rest of this page is about what a funder looks at instead.
We consider applicants with a FICO score of 500 or higher. The application takes about five minutes and uses a soft credit pull, so checking where you stand does not add a hard inquiry to your file. Instead of tax returns, we ask for about three months of business bank statements.
Those statements show deposits arriving, payroll and rent leaving, and whether the account stays healthy through the slow weeks. A late card payment in 2022 does not appear there. A steady pattern of customer deposits does. Sole proprietors can apply, so you do not need an LLC or a corporation to be considered.
The figures below are round numbers for illustration only. They are not our terms, rates or typical outcomes.
| Business | Where the gap opens | What the money would cover |
|---|---|---|
| Turnpike-side retailer | Spring stock is bought in January; sales arrive from April onward | A $60,000 inventory order placed before the season |
| Office-park service firm | Clients pay invoices 45 to 60 days after work is done | Two payroll cycles and a software renewal while invoices sit open |
| Trades contractor | A van or compressor fails mid-job | A $25,000 equipment replacement so crews keep working |
In each case the problem is timing, not profitability. Funding is useful when the revenue is real and the calendar is the obstacle.
Glen Cove, Hicksville, Levittown, East Meadow, Elmont, Baldwin, Oceanside and Uniondale are all within the same Nassau County market, and the same application applies to all of them. For the wider picture, see our Long Island business funding page.
Funding ranges from $25,000 to $5,000,000, and approved businesses can be funded in as little as 24 hours. If the amount you need is smaller than $25,000, this is probably not the right product, and it is better to know that before you apply.
We consider applicants with a FICO score of 500 or higher. The credit pull is soft, and bank statements carry a lot of the weight in the review.
No. We ask for about three months of business bank statements rather than tax returns.
Yes. Sole proprietors can apply. A dedicated business bank account makes the statements much easier to review.
The application uses a soft credit pull, so it does not add a hard inquiry.
Funding starts at $25,000 and goes up 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
