A small Westchester city on the Hudson with an industrial past that gave the world Crayola. Peekskill's independent owners are working in buildings and streets with a long history.
Apply Now →Peekskill is a city of 25,431 in northwestern Westchester, 35 miles north of New York City, on a bay on the east side of the Hudson River across from Jones Point in Rockland County. It began as a village in 1816 and became a city in 1940. It is the third-largest municipality in northern Westchester, after Cortlandt and Yorktown.
The area was an early American industrial center, mostly for iron plows and stoves. The company that became Crayola traces its roots to the Peekskill Chemical Company, founded by Joseph Binney at Annsville in 1864.
A city of this size has a local economy rather than a regional one. Its downtown and waterfront support independent restaurants, studios, shops and services, and its industrial history left behind buildings that suit workshops and makers. An owner here usually knows most of the customers and several of the neighboring owners.
The financing pattern follows the size of the operation. A one-owner or family business tends to need one thing at a time: a lease deposit and fit-out for a second location, a delivery vehicle, a stock order before a busy weekend. These are specific, bounded needs, not a standing credit line.
Cities with an industrial past often have old workshop and warehouse space that small owners can lease affordably. Makers, bakers, brewers, studios and repair businesses are common tenants. Those spaces come with costs that retail storefronts do not: heavy electrical service, ventilation, loading access and floors that can carry equipment.
For illustration only, and not our terms: a baker who moves into a larger space may spend $40,000 on ovens, ventilation and a walk-in cooler before the first loaf from the new kitchen is sold. The rent for the new space starts immediately, while orders from new customers take weeks to build.
That is a classic case for pairing a bounded amount of working capital with equipment-focused financing, so the purchase does not take the cash needed for flour, wages and rent.
Write down the specific purchase or gap, with a dollar figure. A $35,000 fit-out is easy to explain; a generic request for more cash is harder.
Decide how many weeks or months of added revenue it will take for the spending to pay itself back. If the window is long, plan for it.
Know the smallest balance your account can reach without missing payroll. That floor is the line between using your own cash and needing outside capital.
We fund $25,000 to $5,000,000, in as little as 24 hours after a 5-minute application. We consider a FICO of 500+, begin with a soft credit pull, and ask for about three months of business bank statements. No tax returns. Sole proprietors can apply. For credit concerns, read bad-credit funding in Peekskill or apply now.
Owners in Peekskill compare notes with businesses in Ossining, Tarrytown and Yorktown. For wider context, see Westchester County and the Mid-Hudson region. The 2026 minimum wage in Westchester is $17 an hour, which sets the baseline for any payroll plan.
Yes. Sole proprietors can apply.
No. We review your bank statements and credit.
No. About three months of business bank statements is the main document.
Working capital can be used for ordinary business costs, including a fit-out or lease deposit. Size the request to the specific costs.
A FICO of 500+ is considered, and the first pull is soft.
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
