Geneva sits at the northern end of Seneca Lake in Finger Lakes country. Its restaurants, shops and lodging follow a visitor calendar as well as a local one.
Apply Now →Geneva is a city at the northern end of Seneca Lake. All of its land lies within Ontario County, while the water portions are in Seneca County, which is why the city is described as being in both. The 2020 census counted 12,812 residents. The city calls itself the Lake Trout Capital of the World, and it is named after the city and canton of Geneva in Switzerland.
Finger Lakes country draws visitors for the lakes, the wineries and the small towns, and Geneva's position on the water puts it in the middle of that traffic.
A restaurant in Geneva serves two audiences: locals who eat out year-round and visitors who arrive in waves. A hotel or inn lives mostly on the second. A hardware store or auto shop lives almost entirely on the first. That means the same stretch of road can have shops with very different cash-flow patterns.
If you are in a visitor-driven business, look at your last twelve months of deposits if you can. The three months of statements we review will show your current pattern, but your own longer history will tell you what to expect over the next season. The key number is the gap between your quietest month's deposits and your fixed costs. That gap is what you need to cover, and it is the best place to start deciding how much to request.
Restaurants, tasting rooms and inns have a particular pattern of spending: a large renovation or equipment purchase before the season, then steady operating costs through it. A new kitchen line, a patio, a refrigeration unit or a point-of-sale system must be paid for well before the guests arrive. Funding the work with working capital, instead of with the cash you need for payroll, protects the money that keeps the doors open during the busiest weeks.
Funding ranges from $25,000 to $5,000,000, with funding in as little as 24 hours for businesses that are approved. FICO 500+ is considered. We review 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.
See the Finger Lakes region for more local pages.
No. Use your business address as it appears on your bank account.
Apply before high season so that stock and staffing are covered when guests arrive.
Yes. We review business bank statements and credit, and the type of business is not a barrier.
Yes, sole proprietors can apply.
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
