Staten Island is the most suburban borough, and much of its business depends on vehicles and bridges. When a truck fails, so does the day's revenue.
Apply Now →Staten Island, with 495,747 residents in the 2020 census, is the southernmost borough and the least densely populated. It is connected to Brooklyn by the Verrazzano-Narrows Bridge and to New Jersey by the Outerbridge Crossing, the Goethals Bridge and the Bayonne Bridge. The Staten Island Ferry runs to Lower Manhattan, and one rapid-transit line, the Staten Island Railway, runs from St. George to Tottenville. With a single rail line and a few bridges, many businesses rely on their own vehicles.
| Business type | What the vehicle does | What a breakdown stops |
|---|---|---|
| Contractor or tradesperson | Carries tools and materials | Every job that day |
| Delivery or courier firm | Is the product | All revenue for the vehicle |
| Mobile services | Gets staff to customers | Appointments and reputation |
| Retail and food | Brings stock | Shelves and menus |
For illustration only, with round numbers that are not our terms: a $7,500 transmission repair on a van that earns $400 a day costs nearly three weeks of that van's revenue if it sits idle. Fast access to the repair money is cheaper than waiting.
Businesses that cross a bridge daily carry crossing time and costs on every route. These costs change what a job pays, and they land in the same week as fuel and insurance. An owner pricing a new contract should count crossing time as a cost before deciding how much working capital to ask for.
For illustration only, with round numbers that are not our terms: a landscaper has two trucks. One needs a $5,000 repair; the other is paid off and reliable. Spring jobs are booked, and the idle truck is costing about $350 a day in lost work. The sensible move is to fund the repair promptly and keep the second truck on the road, rather than wait for the repair to be paid from future jobs while the bookings are at risk.
Vehicle problems come at bad times: before a busy weekend, after a storm, when a lease is due. A funder who needs three months of statements and a five-minute application is not the bottleneck. The decision about how much to repair is.
We do not promise same-day timing. Funding can arrive in as little as 24 hours. We fund $25,000 to $5,000,000, ask for about three months of business bank statements and do not require tax returns. The application takes about five minutes and uses a soft credit pull. FICO 500+ is considered, and sole proprietors can apply. Start your application.
You can apply for working capital and use it for business expenses. We read your bank statements.
They show up as normal expenses in your statements.
Yes. Sole proprietors can apply.
In as little as 24 hours. We do not promise same-day timing.
FICO 500+.
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
