Getty Square, Central Park Avenue and the big shopping centers each have a different kind of customer. A line of credit works differently for each.
Apply Now →Yonkers is the most populous city in Westchester County and the third largest in New York State, with 211,569 residents in the 2020 census. It sits immediately north of the Bronx and is called the City of Seven Hills. Its downtown is centered on Getty Square on South Broadway, where city government sits alongside local businesses and nonprofits, and serves as a retail hub for the city and the northwest Bronx. Other major shopping areas are the Cross County Shopping Center, Ridge Hill Mall and Central Park Avenue.
Independent shops, services and restaurants, many owner-operated, where the main risk is a slow month against fixed rent. A line smooths a bad month.
Larger footprints, parking, and customers who drive. Stock and staff costs are higher, so a gap can be larger in dollars.
Seasonal peaks around holidays, with inventory bought months ahead. A line is useful in the build-up to the peak, with repayment from holiday sales.
| District type | Gap source | Draw pattern |
|---|---|---|
| Neighborhood retail | Slow month vs. fixed rent | Small, short, repaid within weeks |
| Commercial strip | Inventory and payroll | Larger, tied to a stocking cycle |
| Mall or seasonal | Buy-ahead for peak season | Drawn early, repaid after the holidays |
For illustration only: a seasonal gift retailer buys $35,000 of stock in September for sales that come in November and December. A draw in September, repaid by early January, bridges the stretch. Round figures, not our terms.
Whatever the district, the most useful exercise is the same: pull your last three months of business bank statements and mark the lowest balance in each month. Note what came out just before it and what came in just after. A neighborhood shop will often find the low point on the day rent clears; a strip-mall business will find it just before a supplier or payroll date; a seasonal retailer will find it in the weeks before the holidays. Once you know the date and the cause, you know the size of cushion that actually makes sense, and you can ask for that amount rather than the largest figure on offer.
We fund $25,000 to $5,000,000, with funding in as little as 24 hours. FICO 500+ is considered, about three months of business bank statements are reviewed, and tax returns are not required. The five-minute application uses a soft credit pull, and sole proprietors can apply. Apply here.
See also working capital, restaurants, construction, healthcare, the Westchester County page and the Mid-Hudson overview.
It determines where the cash gap comes from: slow months against rent, inventory and payroll on a larger scale, or a buy-ahead for a seasonal peak.
Draw in the build-up to the peak to buy stock, then repay from holiday sales.
Usually not. Multi-year improvements fit equipment or term funding better.
FICO 500+ is considered and the credit pull is soft.
Yes. 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
