Eastchester is a town in southern Westchester with two villages inside it, Bronxville and Tuckahoe. Owners here work close to the city line and compete on convenience.
Apply Now →Eastchester is a town in southern Westchester County. Within it sit two villages, Bronxville and Tuckahoe, and the census-designated place called Eastchester covers the remainder of the town. That CDP counted 20,901 residents in 2020. When someone says they run a business in Eastchester, they could mean any of those three jurisdictions, and each has its own commercial streets and its own mix of customers.
For a funder, none of that matters. For an owner, it matters because a business here may draw from three overlapping neighborhoods and from commuters passing through.
Southern Westchester is close to New York City, and many residents commute. That shapes demand: breakfast and coffee before the train, dry cleaning and pharmacy on the way home, services booked by phone during the workday and used on weekends. A business whose peak hours are narrow has a hard time smoothing out its payroll, because staff must be on duty for the peak whether or not the rest of the day is busy.
A practice or service business that bills a third party waits for payment. A dentist who treats a patient today may not see the insurer's payment for several weeks, while the hygienist, the lab and the landlord are paid on schedule. The same pattern applies to a contractor billing a property manager or a staffing agency invoicing a client. Working capital funds the wait, not the work.
Owners sometimes assume a lender wants years of history. For this kind of working capital the review centers on about three months of business bank statements. Three months is long enough to show your deposit rhythm, your payroll cycle and any large recurring payments, and short enough that a business that has recently grown or changed is judged on how it operates now, not how it operated two years ago. A Westchester service business that added a second truck last spring is measured by this spring's deposits.
We fund from $25,000 to $5,000,000, and funded businesses can have money in as little as 24 hours. FICO 500+ is considered. We ask for about three months of business bank statements, and tax returns are not required. The application takes about five minutes and uses a soft credit pull. Sole proprietors can apply.
For more on the area see Westchester County and the Mid-Hudson region. Owners in Yonkers, New Rochelle and White Plains can apply the same way.
You do not need to match a census label. A business in any of the town's villages can apply with a New York business address.
Many practices use working capital to cover payroll and supplies during the wait. We look at three months of business bank statements.
Size the request to your lowest deposit month rather than your best week, since fixed payroll continues through quieter hours.
No, tax returns are not 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
