Commack is a central-Suffolk office-and-retail crossroads, close to a large industrial park. Its owners are often professionals and mid-sized local operators.
Apply Now →Commack, a hamlet with 36,536 residents in the 2020 census, sits in Suffolk County where major roads cross, with Huntington Station, Brentwood and Central Islip as neighbors. The area supports shopping centers, medical and dental offices, accountants and attorneys, auto dealers and service shops, along with restaurants serving local families and office workers.
It is also near the Hauppauge Industrial Park, which has roughly 1,300 companies and more than 55,000 employees according to the Regional Plan Association. That brings suppliers, service firms and staffing businesses into the Commack orbit.
| Owner situation | What the money often does |
|---|---|
| Dental or medical practice adding a chair or provider | Pays for equipment and first months of wages while the schedule fills |
| Contractor starting a larger commercial job | Covers materials and crew before the first progress payment |
| Restaurant refreshing a dining room | Funds renovation without closing |
| Staffing or service firm with slow payers | Covers payroll while invoices are outstanding |
The 2026 minimum wage is $17 an hour in Suffolk and the rest of Long Island, and it is indexed from 2027. Staffing and service firms feel this most: hourly wages are paid weekly, while customers often pay on 30- to 60-day terms. The gap grows when the business grows. Working capital can fund the extra weeks of payroll that growth requires.
With about three months of business bank statements, the picture is mostly about consistency: how much comes in, how often, and whether the balance holds up between deposits. Mid-sized shops with strong receipts but lumpy balances are the classic working-capital case. If your deposits look steady and your balance dips around payroll or rent, that is a timing issue, which is a different thing from a business that is not earning.
Before you apply, note any one-off large deposits or transfers on the statements so you can explain them if asked. Clean, explainable statements move faster than puzzling ones.
We provide $25,000 to $5,000,000, funded in as little as 24 hours. FICO 500+ is considered. We ask for about three months of business bank statements, and no tax returns are required. The application is about 5 minutes and uses a soft credit pull. Sole proprietors can apply.
Read about working capital, equipment financing, a line of credit, term loans, merchant cash advances and fast funding. Industry pages: restaurants, construction, healthcare. Region: Suffolk County, Long Island. Credit trouble: this page.
Estimate equipment cost plus several months of wages, then compare it to your current monthly deposits shown on your bank statements.
Yes. Staffing and service firms with slow-paying customers are a typical working-capital use case.
No. We ask for about three months of business bank statements.
FICO 500+ is considered.
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
