A Bronx kitchen pays its produce bill, its staff and its rent on different clocks. Working capital keeps those clocks from colliding when sales dip or a cooler dies.
Apply Now →Most restaurant owners in The Bronx know their week by heart: deliveries come in early, card batches settle a day or two later, payroll goes out every week or every other week, and rent is due on the first no matter what the weather did to the dinner rush. On a normal month those cycles net out. The trouble starts when two of them land badly at once.
Neighborhood restaurants here range from family dining rooms on Arthur Avenue to quick-service counters along Fordham Road and around The Hub at East 149th Street. Many buy from wholesale suppliers tied to the Hunts Point food markets, where terms are short and suppliers expect to be paid on time. That puts pressure on cash in a way that a slow Tuesday never shows on a profit-and-loss statement.
New York's 2026 minimum wage is $17 an hour in New York City, and it is indexed to inflation starting in 2027. For a restaurant with a dozen hourly staff, the wage line is fixed before the first plate goes out. When a slow week arrives, the owner cannot shrink payroll as fast as sales shrink, so the gap has to come from somewhere: savings, a supplier's patience, or working capital.
If the need is a single piece of equipment, compare our equipment financing in The Bronx. If it is everyday float, Bronx working capital covers the broader case.
Picture a 40-seat Bronx restaurant whose walk-in cooler fails in late spring. Replacement and lost inventory come to roughly $28,000. The owner has steady card deposits but not that much sitting idle. Funding of $30,000 lets the cooler go in that week instead of after two more months of saving, and the kitchen keeps its full menu. These numbers are invented to show the mechanics and are not our terms or a typical outcome.
We consider funding from $25,000 to $5,000,000. The application takes about 5 minutes, uses a soft credit pull, and asks for about three months of business bank statements rather than tax returns. FICO scores from 500 are considered, and sole proprietors can apply. Approved files can be funded in as little as 24 hours. Owners whose credit took a hit during a rough year can read how we look at those files on our Bronx bad-credit page.
Yes. Card settlements show up in your business bank statements, and those statements are what the review is built on. About three months is usually what we ask for.
Lease length is not one of our stated requirements. The review centers on bank statement activity, a soft credit pull and the 5-minute application.
It can be for businesses with heavy card volume. See our merchant cash advance page for The Bronx to compare it with other options.
Funding from $25,000 to $5,000,000 can be put toward business needs like a buildout, deposits or opening inventory. Tell us the plan in your application.
Yes. Sole proprietors can apply, and no tax returns are required.
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
