A peninsula at the meeting of the East River and Long Island Sound, Throgs Neck has waterfront restaurants, boat-related trades and neighborhood shops that all feel the season.
Apply Now →Throggs Neck, also spelled Throgs Neck, is a neighborhood and peninsula in the southeastern Bronx. It is bounded by the East River and Long Island Sound to the south and east, Westchester Creek on the west, and Baisley Avenue and the Bruckner Expressway on the north. It sits at the northern approach to the Throgs Neck Bridge, which connects the Bronx to Bay Terrace in Queens, and the northern approach to the Bronx-Whitestone Bridge is also in the area. Ferry Point Park, split by the Bronx-Whitestone Bridge, includes a promenade, golf course and a waterfront restaurant on its east side.
Water frontage brings a rhythm that inland Bronx neighborhoods do not have. Restaurants with outdoor seating and views of the water see their best weeks in summer. Marine-related businesses, from repair and storage to supplies, get busy in spring when boats go back in and quiet in late fall. Retail along the neighborhood's commercial streets depends more on foot traffic from residents, which is steadier but thinner.
For illustration only: a small marine repair shop opening for the season needs to restock parts, bring back seasonal help and perhaps fix a lift or a truck. All of that is spending that happens in March and April, before the repair and storage invoices of May and June are paid. The shop's annual numbers may look fine, but its spring cash position can be thin. That is a timing problem, not a profitability problem.
The same applies to a waterfront restaurant buying patio furniture, new menus and extra stock, and paying a larger crew, all before the first full week of outdoor dining.
We fund $25,000 to $5,000,000, funded in as little as 24 hours. We consider FICO 500+, typically 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 on the application page.
Throgs Neck sits at the foot of two major bridges, and a business here may depend on drive-by customers, delivery access or both. A closed lane or a stretch of bad weather can change a week's sales. Owners often keep a thin buffer for exactly that reason. A funded amount in the $25,000 to $5,000,000 range can serve as a larger one, applied against a specific gap such as equipment, stock or payroll.
The 2026 minimum wage is $17 an hour in New York City, so adding seasonal hourly staff has a clear and immediate cost. Owners also plan around the city's own rules and calendar, such as renewing licenses, so leave room in cash planning for those deadlines.
We look at your bank statements rather than a business category list. We consider FICO 500+ and typically review about three months of statements.
Sole proprietors can apply.
No.
No, it is soft.
Start from the specific gap, such as spring inventory, a repair or a payroll stretch, and compare it with the range of $25,000 to $5,000,000.
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
