Fixed costs shape what a term payment can be. This page starts there: with payroll, rent and the wage floor, then works out to the project.
Apply Now →Before choosing a project, list what your business must pay every month, with or without sales: rent, payroll, insurance, utilities, existing payments. A new payment goes on top. The Mid-Hudson region runs from the Westchester border up the Hudson, and its employers do not all face the same costs. New York's 2026 minimum wage is $17 an hour in New York City, on Long Island and in Westchester, and $16 elsewhere in the state. A Westchester employer's payroll floor is higher than a Dutchess County employer's.
The Hudson Valley is a long river corridor, from the Capital District south to Yonkers. Along it you find main-street shops and restaurants, contractors, medical offices, farms and food producers. They buy vehicles, equipment, space and stock in lump sums, which is why a term structure draws interest.
If the last line is a nervous yes, reduce the request or lengthen the timeline of the project.
We do not publish rates or term lengths here, so the worksheet leaves the new payment as a variable. That is intentional. Do not guess at the payment and plan around the guess. Wait for an offer, read the total repayment, and then run the worksheet.
A project that adds staff, such as a second location or a larger kitchen, raises payroll before it raises revenue. Count the hires in the plan, with the wage floor for your county, and then add some weeks for training. A project that saves labor, such as a machine or a point-of-sale system, lowers payroll later, but only if you actually reduce hours. Be honest about which is true for your project. Many term requests are built on revenue that is hoped for and costs that are underestimated, and the worksheet exists to correct for both.
If the worksheet shows a thin margin, waiting a quarter to build deposits, or splitting the project into stages, is often better than stretching. Stretching is how a good project becomes a stressful one. Waiting costs time; a payment you cannot carry costs more.
Funding runs from $25,000 to $5,000,000 and can arrive in as little as 24 hours once the file is complete. FICO 500+ is considered, the credit pull is soft, and we ask for about three months of business bank statements rather than 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 We do not publish rates or term lengths here; the offer states the amount you receive, the total you repay and the structure. The application takes about five minutes.
$17 in New York City, on Long Island and in Westchester; $16 in the rest of the state, as of 2026.
No, but it affects your costs and so your planning.
Yes.
About three months of business bank statements.
A soft 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
