Sunnyside's shops and restaurants line Queens Boulevard, Greenpoint Avenue and Skillman Avenue under the 7 train. Working capital helps keep those storefronts stocked and staffed.
Apply Now →Sunnyside is a neighborhood in western Queens, bounded by Long Island City and Hunters Point to the west, Astoria to the north, Woodside to the east, and Maspeth and Newtown Creek to the south. It is served by the 7 train. Its principal commercial corridors are Queens Boulevard, Greenpoint Avenue between 39th and 49th Streets, and Skillman Avenue and 43rd Avenue.
Each corridor has its own character. Queens Boulevard is the wide, high-traffic street where chains, banks and larger storefronts cluster. Greenpoint Avenue and the cross streets near it host the sort of small restaurants, bakeries and service shops that live on repeat customers. The planned rowhouse community of Sunnyside Gardens, north of the boulevard, keeps the neighborhood largely residential, so most business here serves the people who live within walking distance.
A walk-in neighborhood business is a daily-cash business with monthly bills. Sales arrive in small amounts every day; rent, payroll taxes, vendor invoices and insurance come in large amounts on fixed dates. In New York City the 2026 minimum wage is $17 an hour, so an hourly crew is a heavy fixed cost that starts when you put someone on the schedule, not when the sales catch up.
Owners in neighborhoods like this rarely borrow for anything dramatic. The typical decisions are a kitchen hood that failed inspection, a second oven so the lunch rush clears faster, a storefront refresh, a pre-holiday inventory order, or a cushion for payroll through a soft month. For illustration only: if a bakery's oven fails mid-week and the replacement costs more than a month of profit, the real choice is between weeks of reduced output and funding the replacement immediately. The cost of the delay is usually bigger than the cost of the purchase.
Neighborhood owners in Queens often describe the same pattern: the first of the month is the hard part. Rent, insurance and often a payroll run land together, while sales are spread over thirty days. A cushion that covers those first-of-the-month costs lets an owner avoid delaying vendor payments, which usually has its own price in lost supplier goodwill or worse delivery terms. Working capital is one way to build that cushion, especially when the alternative is stretching suppliers or leaving a hire unfilled.
We fund $25,000 to $5,000,000, with funding in as little as 24 hours. FICO 500+ is considered, about three months of business bank statements are typical, and no tax returns are required. The application takes about five minutes and uses a soft credit pull. Sole proprietors can apply. Begin on the application page.
Restaurants are among the most common applicants for working capital. We consider FICO 500+ and typically review about three months of business bank statements.
Not specifically. We look at your business bank statements. Sole proprietors can apply.
No tax returns are required.
The credit pull is soft, so it does not add a hard inquiry.
Our funding starts at $25,000 and goes up to $5,000,000. Choose an amount based on the specific gap you are covering.
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
