Cattaraugus County is rugged, wooded and anchored by the Olean area, Allegany State Park and the Allegheny River. Its businesses live on seasons and long drives, and working capital can bridge both.
Apply Now →Cattaraugus County, known locally as Catt County, is in the southwestern corner of the state, bordering Pennsylvania. The southern part is the only area of western New York that was not covered by the last ice-age glaciation, which is why it looks mountainous: a dissected plateau of ridges and steep valleys. The Allegheny River runs through the county, the Allegany State Park lies within it, and so does the Allegany Indian Reservation of the Seneca Nation. Little Valley is the county seat, and the Olean area anchors the county's economy.
The practical result is a business landscape of small towns separated by hills. A hardware store, a diner or a roofing crew serves a handful of nearby communities, and owners often cover a lot of road to keep customers.
With a large state park and rugged terrain, the county draws visitors for hiking, camping, fall color and winter recreation. Cabin and lodging owners, outfitters, restaurants and gas stations along the main routes make a large share of their year in specific windows. Their costs, though, such as insurance, property taxes, propane and payroll for a core crew, run steadily.
For illustration: a lodging owner who needs to repair a roof, replace a boiler and refresh furnishings before the busy season may face $30,000 in spending in the spring, while most bookings pay in the summer and fall. That is a classic timing gap, not a failing business.
Away from the visitor trade, the county's contractors, loggers, small manufacturers and farm suppliers face a different version of the same problem. Fuel, equipment repairs and materials go out first, and customer payments come in on their own schedule.
New York Biz Funding offers $25,000 to $5,000,000. The five-minute application uses a soft credit pull, and we review about three months of business bank statements; tax returns are not required. A FICO of 500 or above is considered, and sole proprietors can apply. Funds can arrive in as little as 24 hours.
If your income is seasonal, your statements will show it. That is expected, and it is better to show the real pattern than to try to smooth it.
A useful way to size a request is to add up the specific costs before the revenue arrives and then round up modestly for surprises. Avoid sizing to the best case. If summer is weaker than expected, the funding should still be manageable.
Applications are read against the business account. A few things help: deposits that show up consistently, balances that do not sit at zero for long stretches, and a request amount that matches the purpose. If a month looks odd because a big job was paid late or a storm closed the road for a week, say so. A plain explanation of a slow month is more useful than silence about it.
Seasonal businesses can apply. Recent business bank statements, a soft credit pull and a request between $25,000 and $5,000,000 are the main elements.
We review the business bank statements and the basics of the application. Location within the county is not the deciding factor.
Yes. Sole proprietors and small crews can apply.
No. Tax returns are not required.
Funds can arrive in as little as 24 hours after you complete the process.
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
