Hauppauge is a business-to-business town: an industrial park, county offices and the suppliers who serve them. Working capital here usually bridges the gap between delivering the work and getting paid for it.
Apply Now →Hauppauge is a hamlet and census-designated place split between the Towns of Islip and Smithtown, with 20,083 residents in the 2020 census. It is not the county seat (that is Riverhead, much farther east), but many Suffolk County government offices are located here, and the hamlet sits beside the Long Island Innovation Park at Hauppauge, formerly the Hauppauge Industrial Park.
That park is the economic center of gravity. It is described as holding roughly 1,300 companies and more than 55,000 jobs, about one in twenty jobs on Long Island. A business in Hauppauge is therefore more likely to sell to another business than to a walk-in customer, and that changes how cash moves.
A retailer gets paid at the register. A parts distributor, a sign shop, a commercial cleaner or a staffing firm near the park usually does not. Work is delivered, an invoice goes out, and payment arrives on the customer's accounts-payable schedule. Meanwhile your own payroll, materials and truck costs are due on the normal calendar.
The squeeze shows up in a few predictable places:
Suppose a Hauppauge fabrication shop wins a repeat order that needs $60,000 of materials and an extra shift of labor before the customer pays. The margin on the order is good, but the cash goes out first. These round numbers are for illustration only and are not our terms or a typical outcome.
| Step | Cash effect |
|---|---|
| Materials and overtime paid | Outflow in week 1 to 3 |
| Order delivered, invoice sent | No cash yet |
| Customer pays on its payment cycle | Inflow weeks later |
Working capital covers the middle of that table so the shop can take the order instead of passing on it. The question to ask before using any funding is whether the order's margin comfortably exceeds the cost of the money.
We fund from $25,000 to $5,000,000, and funding can arrive in as little as 24 hours once you are approved. We consider FICO scores of 500 and up, and the application takes about five minutes with a soft credit pull. Plan on providing about three months of business bank statements. No tax returns are required, and sole proprietors can apply, which matters for the one-person contractors and consultants who work out of units in the park's surroundings.
If your business sits a little outside the park, nearby communities such as Commack, Central Islip, Bay Shore and Brentwood fall in the same market. See the Suffolk County overview or the wider Long Island page for how funding works across the island, or go straight to the application.
Often, yes. If most of your customers are other businesses, your revenue arrives on their payment schedules. Funding is most useful when it covers the gap between paying for labor and materials and collecting on invoices, rather than as a general cushion.
No. We look at the business, not the street address. A Hauppauge contractor, a home-based consultant and a unit tenant in the park can all apply.
About three months of business bank statements. No tax returns are required, and the application is roughly five minutes with a soft credit pull.
We consider FICO scores of 500 and up, so a score below 600 does not rule you out. Because the credit pull is soft, checking does not add a hard inquiry.
Yes. Sole proprietors can apply, including independent contractors and one-person service businesses.
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
