Latham is a narrow strip of commercial road in the Town of Colonie, north of Albany, where Route 9, Route 2 and the Northway all meet. Businesses here chase drive-by traffic.
Apply Now →Latham is a hamlet and census-designated place in Albany County with 13,680 residents in the 2020 census. It is in the Town of Colonie, a dense suburb north of Albany, and runs along U.S. Route 9, with Interstate 87 and Route 7 running through the town. The hamlet is very narrow east to west and relatively long north to south, centered on the intersection of the Troy-Schenectady Road (Route 2) and Old Loudon Road. Its western end begins near the entrance to the former Latham Circle Mall, and its northern edge is the Crescent Bridge over the Mohawk River. The name Latham is also used for the post office of the 12110 ZIP Code, which extends beyond the hamlet.
Corridor locations sell to people who are already driving. Visibility, parking and a quick turnaround matter more than foot traffic. Businesses that do well here tend to be easy to find and easy to use, which means investing in signage, access and speed.
| Business | Typical first-dollar need |
|---|---|
| Auto repair shop | Lift, diagnostics, parts stock |
| Restaurant or cafe | Kitchen equipment, pickup setup |
| Medical or dental office | Chairs, imaging, build-out |
| Retail shop | Inventory, displays, signage |
The table is a general guide to how needs differ by trade and is not a statement about terms. Whatever the trade, the right amount is the gap you can name and the revenue you expect it to produce.
A business on a corridor competes on convenience, so downtime is expensive. A restaurant that closes for a week to install equipment loses the drive-by customers who then form a new habit elsewhere. A repair shop without a needed tool turns jobs away. The point of working capital here is often speed: buying the right item now, while the opportunity or the season is still open, instead of saving for months. Estimate what each week of delay costs in lost sales and compare it with the cost of financing. If the delay is expensive and the purchase will clearly earn, speed may justify it. If the purchase is speculative, wait. Owners near the Colonie area can also compare how nearby competitors are set up before committing.
We fund $25,000 to $5,000,000, in as little as 24 hours. We consider FICO 500+, ask for about three months of business bank statements and do not require tax returns. The application is five minutes with a soft credit pull; sole proprietors can apply. Businesses in neighboring Albany, Cohoes and Watervliet are in the same market. See Albany County and the Capital Region overview, or apply here.
No. We review your bank statements.
Yes. Sole proprietors and mobile operators can apply.
No.
Yes.
From $25,000 to $5,000,000.
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.
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