From Nassau shopping strips to Suffolk industrial parks, Long Island owners buy equipment, vehicles and space in lump sums. Here is how to size a request.
Apply Now →Long Island covers Nassau and Suffolk counties, and its businesses range from storefront retail and restaurants to contractors, medical practices and manufacturers. One anchor on the Suffolk side is the Hauppauge Industrial Park, which the Regional Plan Association's report counts at roughly 1,300 companies and more than 55,000 employees. Businesses like these buy machines, vehicles and fit-outs, and often in amounts that make a lump sum natural.
Long Island is in the higher of New York's two 2026 minimum-wage tiers, $17 an hour, against $16 in the rest of the state. For an employer, that raises payroll before any loan payment is added. Testing a payment against your lowest month of deposits, with rent and payroll included, is the simplest way to see whether a project is affordable.
Vehicles, tools, a kitchen line, a refit. The quote is usually one document, and the payback is easy to estimate.
A second location, a build-out with design and permitting, a stock buy. More moving parts mean more contingency and a longer ramp before the project earns.
Larger purchases in the millions, such as production equipment for a small manufacturer. These need careful plans, and the file will be read more closely. Our range runs from $25,000 to $5,000,000.
For illustration only: a small Suffolk machine shop plans to buy a $250,000 machining center. The owner writes the contracts currently turned away for lack of capacity, assumes half are won, and checks the payment against the slowest month of the year. The plan holds, so the request goes in with the vendor quote. These figures are invented and are not our terms or a typical outcome.
A funder reads your bank statements as a record of how your business actually behaves: how regular deposits are, how large the swings are, and whether the request looks proportionate to the flow. A Long Island contractor with strong summers and thin winters will show a clear pattern, and that is fine. What helps is a short note on the pattern and on any unusual deposits, so the reader does not have to guess. It is the same discipline you use when you check your own plan, and it tends to speed things up.
Funding can arrive in as little as 24 hours once the file is complete. FICO 500+ is considered; the credit pull is soft; about three months of business bank statements; no tax returns. Sole proprietors can apply. We do not publish rates or term lengths here. The offer states the amount you receive, the total you repay and the structure. Apply in about five minutes.
Yes. The process and documents are the same across both counties.
Up to $5,000,000.
No. We ask for about three months of business bank statements and the short application.
Add rent, payroll and any existing payments, then compare with your lowest month of deposits.
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
