Bridgehampton is a small South Fork hamlet of 2,953 residents, known for the Hampton Classic horse show. Its businesses live on a calendar that swings hard between a crowded season and a quiet one.
Apply Now →Bridgehampton is a hamlet in the Town of Southampton on the South Fork of Suffolk County. The 2020 census counted 2,953 residents, and settlers began moving east into the area shortly after the 1640 founding of Southampton. It was named for the bridge built across Sagg Pond in 1686. The hamlet is home to the Hampton Classic horse show and was the site of a road racing course in American automobile racing history. A large Kmart store, the last full-size one on the U.S. mainland, closed in October 2024.
A population that small, with a calendar that draws visitors and part-time residents, creates a business pattern where the number of residents says little about the volume of seasonal trade.
The pattern is easy to describe and hard to live with: a few months of high revenue, then months of low revenue with the same fixed costs. A landscaper, caterer, boutique or contractor serving seasonal homes knows the sequence.
The pre-season stage is the one where cash is thinnest relative to need. The business pays for the season before earning from it.
For illustration only, not our terms: a caterer that wants to book a full summer needs new refrigerated vans, a second prep kitchen shift and extra staff in May. That might come to a round $50,000 before the first big event is paid for. A contractor serving second homes might need materials and crews staged across several jobs before any progress payment arrives. The sale is booked, but the cash is not yet in hand.
For businesses like these, funding is a way to carry the pre-season, not to subsidize a failing one. The test is whether the season has a good chance of paying it back.
The most useful exercise for a seasonal owner is to lay out twelve months of deposits and twelve months of bills side by side. Most owners find that the shoulder weeks, not the off-season, are the dangerous ones: costs have already restarted but revenue has not. Knowing the lowest point in your balance across the year tells you how much of a cushion you need, which in turn tells you whether a funding request makes sense and how large it should be.
The application looks at your business, not your zip code. Funding runs from $25,000 to $5,000,000, funded in as little as 24 hours. The application takes about five minutes and uses a soft credit pull. We review about three months of business bank statements, with no tax returns required. FICO 500 and above is considered, and sole proprietors can apply.
For regional context, visit Suffolk County and Long Island, or start your application.
Yes. We review about three months of business bank statements and credit. Seasonal patterns are common.
We do not publish a revenue minimum. We review your bank statements; funding runs from $25,000 to $5,000,000.
Yes.
No. It is a soft pull.
No.
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
