Tanks, presses, tractors, tasting-room fixtures. In the Finger Lakes, equipment purchases are timed to the growing year, and a late machine can cost a season.
Apply Now →The Finger Lakes are New York's largest wine region, with well over a hundred wineries and many more vineyards around Seneca, Cayuga, Canandaigua, Keuka and other lakes. Farms, small food producers, marinas and visitor businesses fill in the rest of the economy, with Rochester anchoring the northwestern edge. Many of these businesses can only use some equipment at certain times. A press has to be ready before harvest. A tractor has to run in spring. A boat lift has to be ready before the season. Miss the window and the next one is a year away.
For equipment used only a few weeks a year, owners often weigh three options. Buying outright gives full control but ties up cash during the off-season. Buying used lowers the starting cost but can raise repair risk. Renting or sharing with a neighbor reduces cost but depends on availability when the window opens. There is no universal answer. The right choice depends on how many days a year the equipment is used, how fast it loses value, and what happens to your business if it breaks down.
If you decide to buy, funding of $25,000 to $5,000,000 can be used for equipment purchases. Ask for an amount that covers the machine, delivery, setup, and a small reserve for the first weeks of use.
| Month | Event |
|---|---|
| January | Owner plans a new press for harvest |
| March | Orders and deposit paid |
| August | Equipment delivered and installed |
| October | First harvest run; revenue still months away |
The timeline shows how long the cost of equipment can precede the revenue it produces. It is an illustration, not a real business or typical result.
Seasonal owners know the hard part is the gap between paying for equipment and earning from it. When you request funding, think about the months in between. Will payments come due before the first sales season? Will bank statements show a slow stretch? Seasonal patterns are normal and visible in your statements, so there is no need to hide them. Describe the season in your application and size the request to the whole cycle.
We fund $25,000 to $5,000,000, with funding in as little as 24 hours. We consider FICO scores of 500 or higher, ask for about three months of business bank statements, and do not require tax returns. The application takes about five minutes and uses a soft credit pull. Sole proprietors can apply. Start here.
Yes. Funding can be used for business purposes, including equipment purchases. Describe what you plan to buy.
Yes. Seasonal patterns are common and will show up in your bank statements.
No.
No. It is a soft credit pull.
Yes.
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
