A Westchester city on the Bronx line, with shops along Sandford Boulevard and Gramatan Avenue. Credit trouble does not have to stop a working business from getting capital.
Apply Now →Mount Vernon sits in Westchester County immediately north of the Bronx. Its downtown shopping district runs along Gramatan Avenue and Fourth Avenue, Sandford Boulevard is a major commercial strip, and three Metro-North stations plus the Bee-Line bus hub at Petrillo Plaza bring steady foot traffic to the center. The city also has a hospital and a Westchester Community College extension downtown, which keeps healthcare and service businesses nearby.
The businesses that follow that setting are the ones you would expect: neighborhood retail, restaurants and takeout, trades, and small practices. Many are owner-run, and many have gone through at least one hard year.
A contractor or service company carries a client invoice for weeks while crews, fuel and materials still need paying. A card gets maxed to cover it, and the score dips.
A walk-in cooler fails, a van needs an engine, a dental chair goes down. The fix is urgent, the cash is not there, and a short payment history follows.
An owner uses personal credit to float the early months. Years later the business is steady but the personal file still shows it.
We consider FICO scores of 500 and up, ask for about three months of business bank statements, and do not require tax returns. The application takes about five minutes and uses a soft credit pull, so applying does not add a hard inquiry to your file. Sole proprietors are welcome to apply.
We fund from $25,000 to $5,000,000 and can fund in as little as 24 hours once the file is complete. The statements carry the weight: regular deposits, balances that recover after payroll and rent, and a business that has been operating through its slow weeks.
For illustration only, and not our terms: a Mount Vernon restaurant sees its two best months of the year followed by a quiet stretch. Staff costs and a lease payment stay flat through the quiet stretch. A funded working-capital decision, sized from the deposits in the statements, bridges that stretch so the owner does not cut hours or skip a supplier. The question to ask before any funding is simple: will the revenue in the next few months cover the cost of the money and still leave room to operate?
No. We fund businesses across New York, and the same $25,000 to $5,000,000 range applies whether you are in Mount Vernon or Manhattan.
Possibly. We consider FICO 500+ and look at your recent bank statements, so a practice with steady deposits has something to show.
No. We ask for about three months of business bank statements instead.
Sole proprietors can apply. Funding depends on the deposits in your statements, not on how many employees you have.
The application uses a soft credit pull, which does not lower your score.
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
