Rocky Point is a North Shore Brookhaven hamlet best known for the radio station that once stood here. Today it is a quiet community where trades and neighborhood shops make up most of the business base.
Apply Now →Rocky Point is a hamlet in the Town of Brookhaven with 13,633 residents at the 2020 census. RCA built a large transmitting and research facility here, called Radio Central, which began transmitting transatlantic messages on November 5, 1921. In 1927 AT&T began the first transatlantic commercial telephone service from the same site. The 5,200-acre property was decommissioned in 1978 and demolished in the 1980s, and what remains is now owned by the state Department of Environmental Conservation as part of the Rocky Point Pine Barrens State Forest.
It is an odd history for a quiet suburban hamlet, and it explains why a lot of the surrounding land is preserved rather than built. That shapes the business landscape: fewer large commercial sites and more small, scattered businesses.
Without a large retail core, much of the work is done by independent trades and local services. Think electricians, landscapers, auto repair, home-service companies, small restaurants and shops. Their customers are often homeowners in the hamlet and surrounding North Shore communities, and their jobs are quoted, done and billed one at a time.
Project work means costs first and payment later. A landscaper buys material and pays labor all week and collects at the end. An electrician buys fixtures and wire up front. Neither has an unusual business; they have an ordinary billing cycle.
A truck breaks down, a license renews, or a large job arrives all at once and needs more labor than the owner can afford to put on payroll in advance.
Funding is easiest to manage when it is tied to a clear event, not a general cushion. A business that knows it needs to bridge a twelve-week gap should size the request to that gap.
For illustration only: a home-service owner books three jobs in one month, each needing about $5,000 in materials, with customers who pay after sign-off. That is $15,000 in materials plus a month of crew pay before the first check arrives. The business is healthy; it is simply carrying a lot of work in progress. These numbers are not our terms, and yours will differ.
We fund $25,000 to $5,000,000, with funding in as little as 24 hours. We consider FICO 500+ and typically review about three months of business bank statements. No tax returns are required, the application takes about five minutes and the credit pull is soft. Sole proprietors can apply. Start on the application page, or read about Suffolk County and the Long Island market.
Yes. Sole proprietors can apply, and a home base is not a barrier by itself.
Yes. We review business bank statements and consider FICO 500+.
Project work is often lumpy. We typically look at about three months of statements.
No.
About five minutes.
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
