Woodside's restaurants, contractors and shops cluster around Roosevelt Avenue and the 7 train. They run on repeat customers, thin margins and crews that must be paid weekly.
Apply Now →Woodside is a neighborhood in western Queens, bordered on the south by Maspeth, on the north by Astoria, on the west by Sunnyside, and on the east by Elmhurst, Jackson Heights and East Elmhurst. Some areas are quiet and residential, while the parts around Roosevelt Avenue are busier. It became the largest Irish American community in Queens in the early twentieth century, and later Filipino, South Asian and Latino communities settled here too. The neighborhood is known for its range of international restaurants, with Thai, Filipino and South American dining standing out, as well as cafes and pubs.
A neighborhood with that many restaurants is a neighborhood where equipment, labor and food costs shape the economy, but it also supports the trades that keep restaurants and homes running. Contractors, electricians, plumbers and HVAC technicians work out of Woodside and the surrounding western Queens neighborhoods, and retail shops serve a densely populated area.
For illustration only, with round numbers that are not our terms: a small renovation contractor has three jobs in progress. Two are in the middle of payment schedules, and one is waiting for a final inspection before the client pays the balance. The owner has bought $18,000 in materials across the three jobs and pays a crew of four weekly. On paper the business is booked and profitable. In practice there may be little cash in the account by the end of the month, and a new job may require $6,000 in materials the owner does not have on hand. Working capital lets the owner buy that material and start the job instead of waiting for the previous one to close.
We fund $25,000 to $5,000,000, funded in as little as 24 hours. FICO 500+ is considered. We typically review about three months of business bank statements, require no tax returns, and use a soft credit pull on an application of about five minutes. Sole proprietors can apply. Start on the application page.
New York City's 2026 minimum wage is $17 an hour, which matters for restaurant and retail payrolls.
Most owners do not need large sums, and a smaller amount tied to a clear need is usually easier to manage than a larger one chosen for comfort. A new compressor, a second vehicle, a menu launch or a stock order has a start and an end, and the owner can see when it begins to pay back. That clarity makes the funding decision feel less like a gamble and more like an ordinary business purchase, the kind owners in Woodside make every year whether or not they use outside capital.
We evaluate by business bank statements and consider FICO 500+. Restaurants often use working capital for equipment and stock.
Yes. Sole proprietors can apply, and many trades operate from a truck or a shop.
No tax returns are required.
The credit pull is soft.
Funding can happen in as little as 24 hours, depending on the application.
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
