Delaware County is one of the biggest counties in New York by land, part Catskills and part river valley. Its business owners cover large distances, and seasons set the budget.
Apply Now →Delaware County lies in the southern part of the state, separated from Pennsylvania by the Delaware River, east of Binghamton and southwest of Albany. By land area it is the fifth-largest county in New York, at about 1,400 square miles. Delhi is the county seat. The county includes part of the Catskill Mountains, its highest point is Bearpen Mountain at the Greene County line, and the valleys are described as exceedingly fertile.
Few places in New York are as spread out. A plumber in Delhi may have a job 40 minutes away; a restaurant owner may drive an hour to reach a major supplier. These distances are a regular business cost, and they mean that vehicles, fuel and maintenance rank among the biggest controllable expenses.
Catskills-area lodging, restaurants, outfitters and shops depend on a mix of weekend visitors, holiday weeks and summer vacationers. Their costs are fixed, their revenue is not, and weather decides a surprising number of weekends.
Valley farmland supports farms, dairies and food makers. Feed, seed, repairs and labor have to be paid before the milk check or the market sale. Equipment failures are both urgent and costly.
Builders, well-drillers, excavators, propane and heating-oil service companies and mechanics work across long distances, then get paid at the end of a job or a billing cycle.
For illustration, not a quote: an excavation contractor wins a season of work that requires a second machine operator, a rented attachment and a larger fuel budget. The owner estimates $50,000 in costs over six weeks before the first progress payment. Funding sized to that gap lets the project start on time. Funding sized to the entire year of hoped-for growth would be a different, riskier decision.
The same reasoning applies to a lodging owner replacing a failed water heater, a restaurant adding a walk-in cooler, or a small dairy replacing a milking component. The need is specific, the timing is urgent, and the revenue effect is real but not instant.
We fund from $25,000 to $5,000,000, and funds can arrive in as little as 24 hours after you complete the process. We review about three months of business bank statements and do not require tax returns. The credit check is a soft pull, and FICO 500 or above is considered. Sole proprietors can apply, which describes many of the county's independent owner-operators. The application takes about five minutes.
Rural connectivity can be uneven. If you start the application and lose your connection, you can return to it later.
In a county this large and this hilly, equipment works hard. Plow trucks, tractors, skid steers, generators, walk-in coolers and delivery vehicles all wear out in ways that are expensive to repair and costlier to postpone. An owner who knows that the oldest machine in the fleet is a likely failure can plan around it: setting a repair or replacement amount aside, or arranging funding before the breakdown, when there is time to compare options. After a failure, the pressure is to act immediately, and the choice is narrower.
Seasonal businesses can apply. Statements that show the lead-up to your busy season are especially helpful.
Sole proprietors can apply. Use the account that carries the deposits for the business you want funded.
No, tax returns are not required.
The application uses a soft credit pull, and FICO 500 or above is considered.
About five minutes.
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
