Port Jervis lives on the Delaware River and the season it brings. Rafting, lodging and Main Street businesses earn most in warm months and pay bills all year.
Apply Now →Port Jervis is a city of 8,775 people at the 2020 census, in western Orange County where the Neversink River meets the Delaware. New York, New Jersey and Pennsylvania meet at its southwestern corner, and the Mid-Delaware Bridge connects it to Matamoras, Pennsylvania. Interstate 84 passes to the south, and US 6, US 209, and Route 97, the Upper Delaware Scenic Byway, run through town.
The city grew as a canal and railroad town, shipping coal toward eastern markets, and lost much of its business when the railroads declined. Today, from late spring to early fall, many thousands of travelers pass through on their way to rafting, kayaking and canoeing in the Delaware Water Gap National Recreation Area and along the Upper Delaware. The Port Jervis Line, a commuter railroad operated by NJ Transit for Metro-North, ends here and links the city to Hoboken and New York City.
For a Port Jervis outfitter, inn, ice cream stand or restaurant, the problem is rarely the summer. It is the gap between October and May, when revenue drops and costs keep running: insurance, property taxes, loan payments, maintenance on boats, buses and buildings, and the spring spending needed to open strong.
Statewide, visitor spending reached $97.6 billion in 2025, and tourism is the state's second-largest private industry. A river town takes its share of that in a compressed window. That makes timing everything:
A Port Jervis river outfitter needs to replace a dozen rafts and a shuttle van before the season. The quote comes to roughly $90,000, and the business's account is at its lowest point of the year after the winter. Working capital funded in April, repaid from June through September deposits, puts the equipment on the water when the customers arrive. The same logic applies to a Main Street restaurant that wants a patio built before summer.
Not every Port Jervis business is seasonal. Contractors, auto repair shops, medical offices and retailers serve residents of the city and surrounding communities like Deerpark, Sparrowbush and Huguenot, and many draw customers from across the river in Pennsylvania and New Jersey. Their cash gaps come from slow-paying invoices, equipment breakdowns and inventory buys rather than the river calendar.
Funding from $25,000 to $5,000,000; FICO scores of 500 and up considered; soft credit pull; about three months of business bank statements; no tax returns required; five-minute application; funded in as little as 24 hours once complete. Sole proprietors can apply.
Read more about Orange County and Mid-Hudson funding, or apply now.
Many seasonal operators apply in late winter or early spring, when the expenses of opening are coming due. Statements that include the tail end of an active season help show the business's real capacity.
No. A funder reviews deposits into your business bank account, wherever your customers live.
Orange County is outside New York City, Long Island and Westchester, so the 2026 minimum wage is $16 an hour.
No. About three months of business bank statements and a short application are what we need.
Yes, sole proprietors can apply. Funding starts at $25,000.
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.
No obligation • No impact to your credit score
