Sullivan County was once the home of hundreds of Borscht Belt resorts. Today's owners run restaurants, inns, contractors and shops across the Catskills.
Apply Now →Sullivan County is in the southern part of New York, about 70 miles northwest of New York City, in the Catskill Mountains, with the Delaware River separating it from Pennsylvania along its southwest boundary. The 2020 census counted 78,624 residents, and the county seat is Monticello, with 7,173 residents. Liberty has 4,700, Wurtsboro 1,124, Bloomingburg 1,032 and Woodridge 747.
The county was the site of hundreds of Borscht Belt hotels and resorts, with a heyday from the 1920s through the 1970s, along with bungalow colonies, summer camps and self-catered boarding houses. Many well-known comedians worked those rooms. Most of that tourism took place in summer, and that pattern is still the core of the local economy: summer weekends are heavy, winters are quiet.
For a restaurant or lodging business here, the calendar means a few months of strong sales followed by months of shared fixed costs. Property taxes, insurance, heating and a skeleton staff do not stop in January.
Vacation homes are common across the Catskills, and the contractors, landscapers, cleaners, property managers and handymen who serve them work in a market shaped by weekend and holiday demand. They tend to have strong spring and fall seasons, with projects scheduled around the owners' visits. Equipment, trucks and materials go out in advance; payment arrives on completion.
If the number is larger than your savings, the gap is what a seasonal business may need to plan for. For illustration, $12,000 in fixed costs over five quiet months is $60,000 to cover from the busy season or from outside funds. Round figures, not our terms.
In Monticello, in Liberty and in the smaller hamlets, independent restaurants, shops and service businesses serve both year-round residents and weekend visitors. Because the two groups buy at different rhythms, a business may need enough stock and staff for a busy Saturday while earning modestly on a Tuesday in March. Getting that balance right is partly a cash question: you buy and hire for the peak, then wait for sales to repay the cost.
An application that explains this pattern clearly, along with your recent bank statements, helps us understand your business as it really operates.
New York Biz Funding funds $25,000 to $5,000,000, in as little as 24 hours after approval. We consider FICO 500 and above, review about three months of business bank statements, and do not require tax returns. The application takes about five minutes with a soft credit pull, and sole proprietors can apply. Start your application.
Yes. Lodging and hospitality businesses can apply, including sole proprietors.
No. Any New York location is eligible.
Yes.
No.
The first review uses a soft credit pull.
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
