Schoharie County is farm country and Catskill foothills, with fewer than 30,000 people. Many residents commute to the Capital Region, and visitors come for caves, hills and history.
Apply Now →Schoharie County is in central New York, west of Albany and southeast of Utica. The 2020 census counted 29,714 residents, making it the fifth-least populous county in the state. The county seat is Schoharie, though the largest village is Cobleskill at 4,173. The county is part of the Albany–Schenectady–Troy metro area and also part of the Mohawk Valley region. More than three-quarters of its people live in the north, closer to the Mohawk River, while the south rises into the Catskill Mountains.
Agriculture is the county's primary industry, with farms across the county, plus farm stands and related businesses. New York as a whole has about 2,700 dairy farms and ranks fifth among states for milk production, according to state statistics. Farm-service businesses such as feed dealers, repair shops, fencing and hauling contractors rely on the same cycle as the farms they serve: income is lumpy, tied to milk checks and harvests, and equipment is expensive.
Many residents work in the Capital District, and the I-88 corridor is described as growing because of the short commute to Schenectady and Albany. A Walmart distribution center operates in the village of Sharon Springs. This tilts local business toward trades and services for households, such as builders, plumbers, landscapers, auto shops and small restaurants, plus a handful of shops oriented to through-traffic on Route 7 and I-88.
The county has a growing tourist industry. Howe Caverns, Vroman's Nose, the Old Stone Fort and the Iroquois Indian Museum are among the draws, and the Catskills-area villages have a number of historic hotels from the time when the area was a vacation destination. Vacation homes are common. Tourism is concentrated in warmer months, so bed-and-breakfasts, restaurants and gift shops need to carry costs through winter.
For illustration only, imagine a small equipment repair shop that serves dairy farms. It stocks $25,000 in parts, pays one mechanic weekly and bills farms monthly. Farm customers, waiting on their own milk checks, often take 60 days to pay. At any time the shop might be carrying two months of billings, so the owner's cash is largely sitting in other people's accounts. A broken lift or a failed truck during that time can force a hard choice between payroll and parts. These are round numbers to show the mechanics, not our terms or a typical outcome.
That kind of gap, between doing the work and being paid for it, is the most common reason rural service businesses look at working capital.
New York Biz Funding offers $25,000 to $5,000,000, funded in as little as 24 hours. FICO 500+ is considered, we review about three months of business bank statements, and we do not require tax returns. The application takes about five minutes with a soft credit pull, and sole proprietors can apply. If a seasonal or farm-related plan makes sense for you, start the application.
Yes, agricultural and farm-service businesses can apply.
The business's own bank statements are what we review.
Operating businesses of many kinds can apply. Explain how your seasons work.
No.
Yes.
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
