Greene County stretches from the Hudson River flats up into the high Catskills. Ski season, waterfalls and weekend visitors make its cash flow rise and fall with the weather.
Apply Now →Greene County lies in southeastern central New York, just west of the Hudson River and south of Albany. Catskill is the county seat. The northern and eastern parts are low-lying flatlands, with the lowest elevation at sea level along the river, while the southern and western areas rise sharply into the Catskill Mountains. Catskill Park takes up much of the south-central part of the county, including some of the tallest peaks south of the Adirondacks, and Hunter Mountain, at roughly 4,000 feet, is the county's high point. Kaaterskill Falls is among the waterfalls visitors seek out.
A county shaped like that has two economies: a river-valley economy of village main streets and local services, and a mountain economy of lodging, restaurants, shops and outdoor recreation.
In the mountains, snow decides the winter. A good snow year fills lodges, restaurants and shops; a warm one empties them. Summer depends on weekends and rain. Fall foliage creates a short, intense surge. None of these can be controlled, but owners have to plan payroll and inventory before they know the outcome.
For illustration only, not a quote: an owner of a small mountain inn needs to replace a boiler before winter and refresh a dozen rooms. The total is about $35,000. If the owner pays from the operating account, the inn may reach January with little left for utilities and payroll in a slow week. If funding covers the boiler and refresh, the operating account stays available for the day-to-day, and the owner can choose the repayment burden that fits expected revenue, not worst-case panic.
Down by the Hudson, village shops, restaurants, contractors and service businesses have a steadier but still uneven year. A Catskill restaurant may see its busiest nights when weekend visitors arrive. A plumbing and heating company is busy in the first cold snap. An excavator works when the ground is open.
Their cash questions are familiar: equipment, vehicles, inventory and seasonal staff.
New York Biz Funding funds $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; tax returns are not required. The soft credit pull is used, and FICO 500 or above is considered. The application takes about five minutes, and sole proprietors can apply.
The hardest part of running a Greene County business is that the biggest spending decisions come before the biggest unknown. Hiring winter staff, buying firewood or propane in bulk, ordering rental equipment, and stocking a kitchen are all choices made in the fall, before the first snowfall. A conservative owner sizes those decisions to a middling winter. A working-capital reserve gives a conservative owner the room to be conservative: if the winter is poor, the business can carry the shortfall, and if it is good, the owner has stock and staff to meet it.
Seasonal businesses can apply. Recent statements that show the build-up to your season help the review.
Yes. The review looks at about three months of business bank statements.
No.
Applications are reviewed on business bank statements. Describe unusual months in plain terms.
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
