Retail and restaurants both need cash, but they need it at different points. A store's money sits on a shelf; a kitchen's money turns every night.
Apply Now →Commack is a hamlet on Long Island that spans parts of the Towns of Huntington and Smithtown in Suffolk County, with 36,536 residents in the 2020 census. Shoppers there have many choices in the surrounding Suffolk towns, so a store has to hold stock of the things customers actually want.
| Retail store | Restaurant | |
|---|---|---|
| Main cash trap | Inventory on shelves | Perishable food and weekly payroll |
| Speed of turnover | Weeks to months | Days |
| Biggest timing risk | Buying before the season | Slow weeks against fixed costs |
| Best-fit tool | Working capital sized to the order | Flexible bridge for payroll and suppliers |
A retailer should size funding to the purchase order, not to a round number. For illustration, an owner planning a $40,000 spring order might need to pay half at ordering and the rest on delivery, while sales of that stock arrive over the following ten or twelve weeks. The funding carries the shop through that stretch. This is a made-up example, not our terms.
Our term loan and working capital pages compare the two shapes.
The cleanest way to size a request is to start from the purchase order. List what you will owe the supplier, when each payment is due and when you expect the stock to sell. Then add rent and payroll for the same period. The difference between the cash you will have and the cash you need is your gap.
Many owners round up out of caution, then find the extra sitting idle. Others round down and run short mid-season. A line-by-line approach avoids both. It also makes the application conversation easier: you can say exactly what the money buys and when it comes back, which is the kind of specificity that makes planning, and review, simpler.
We fund $25,000 to $5,000,000 and funds may be in your account in as little as 24 hours after approval. We read about three months of business bank statements, consider FICO 500 and up, and ask for no tax returns. The application takes about five minutes with a soft pull, and sole proprietors can apply. Neighbors in Huntington Station and Centereach use the same process. Start from the Commack overview or Suffolk County business funding.
The review looks at the overall pattern over about three months of statements. Seasonality is a normal part of retail.
That is your call. Many owners do some of both, sizing the amount to a defined purchase plus a small buffer.
No.
Sole proprietors can apply.
As little as 24 hours after approval.
Plans shift in retail. Funding is flexible, so you can adapt the use to real conditions.
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
