Staten Island works through bridges, a ferry and a waterfront. Businesses here carry real transport and equipment costs, and a low score should not decide the outcome on its own.
Apply Now →Staten Island connects to Brooklyn over the Verrazzano-Narrows Bridge and to New Jersey over the Outerbridge Crossing, Goethals Bridge and Bayonne Bridge. The Staten Island Ferry links St. George to Manhattan, and the Staten Island Railway runs from St. George to Tottenville. The Arthur Kill and the harbor support port and marine work along the North Shore, including the industrial waterfront around Port Richmond.
For a business owner, that geography means long days on the road, vehicles that work hard, and customers spread across a borough with only one rapid transit line.
Contractors, delivery operators and marine tradespeople depend on trucks, vans and tools. A failed transmission or engine can sideline a crew. Repairs rarely wait for payday.
Marine, outdoor and landscape work slows in winter while insurance and loan payments continue. Retail and restaurants see their own seasonal patterns.
Commercial customers often pay weeks after the job. Labor and materials have already gone out, and a crew waiting on one large payment can fall behind on fuel, insurance and supplier accounts at the same time.
Tolls, fuel and time spent crossing a bridge add up for every trip off the island. A business that serves customers in Brooklyn, Manhattan or New Jersey budgets for that on every job, so a slow month hurts quickly.
Each of those pressures can leave a late payment on a personal card or a supplier account, and a score can sink well below where the business actually stands. 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.
Funding runs from $25,000 to $5,000,000, with funding in as little as 24 hours once your file is complete. Sole proprietors can apply.
Contractors often ask whether a low score rules them out. It does not by itself, but we make no promises: residential remodeling and long-haul trucking are tight categories for many funders, so expect closer review. Commercial-side contractors, marine and local logistics can submit statements and see what they support.
Yes, you can apply. We consider FICO 500+ and review your bank statements, though some categories such as residential remodeling get closer review and nothing is promised in advance.
They can apply and submit statements for review. Funding depends on the deposits and operating history those statements show.
No. We ask for roughly three months of business bank statements.
Yes. The application uses a soft pull, so it does not lower your score.
Yes. Sole proprietors can apply.
From $25,000 to $5,000,000, based on what your statements support.
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
