Yonkers is Westchester's largest city, with 211,569 residents just north of the Bronx. Breweries, workshops and food businesses in converted industrial space make equipment a large share of their budgets.
Apply Now →Yonkers is the third-most populous city in New York State and an inner suburb immediately north of the Bronx. The Otis Elevator Company was founded here in 1867, with a plant that operated until 1981 on a site that later became a railcar manufacturing plant. Today former industrial buildings house new businesses: the Yonkers Brewing Company opened in 2015 in the Trolley Barn, and Simple Motive Brewing opened in 2023 in a 55,000-square-foot former warehouse in the Carpet Mills Art District.
That reuse is the story for equipment buyers: converted space has the volume and the floor but often needs new service, new ventilation and new machines.
Production equipment has a feature other purchases do not: it often has to be installed, tested and approved before you can sell anything it makes.
For illustration only, not our terms: a small producer buys $80,000 of equipment, then spends six weeks on installation, testing and approvals before the first product ships. In those six weeks rent, utilities and labor continue at full rate and revenue is zero. Equipment funding that covers only the invoice leaves the owner funding the gap from personal savings. Counting the gap in the request is more realistic.
| Phase | Typical cost driver |
|---|---|
| Purchase | Vendor invoice and deposit |
| Install | Electrical, plumbing and ventilation work |
| Test | Trial batches and inspection |
| Launch | Staff and marketing before revenue |
Ask each vendor for delivery and commissioning dates in writing, the name of the installer, the warranty terms and the response time for service in Westchester. Ask for the utility requirements, such as power, water, drainage and ventilation, so you can price the building work before you order. Ask whether the vendor can supply a reference from a similar-sized business. Production equipment is rarely a plug-and-play purchase, and the owners who ask these questions early are usually the ones who start production on the date they planned, not weeks after it.
The 2026 minimum wage in Westchester is $17 an hour, and indexing starts in 2027. Equipment that lets a small crew do more is worth weighing against that wage. Neighbors include New Rochelle, White Plains, Eastchester and Tarrytown. See Westchester County business funding for context.
Requests run from $25,000 to $5,000,000, with funding in as little as 24 hours once the application is complete. We consider FICO 500+, review about three months of business bank statements, use a soft credit pull and do not require tax returns. Sole proprietors can apply. Apply in about five minutes.
Yes. Size the request to include the testing period.
Describe the business and equipment on the application.
You can size the request to include it.
No.
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
