The Bronx is the only borough on the mainland, which changes how deliveries, trucks and customers reach a business. This page is about the cash gaps that follow.
Apply Now →The Bronx is the northernmost of New York City's five boroughs and the only one located primarily on the U.S. mainland, bordering Westchester County to the north. The 2020 census counted 1,472,654 residents. The Bronx River divides a hillier west from a flatter east, and street names switch between east and west at Jerome Avenue. About a quarter of the borough is open space, including Van Cortlandt Park, Pelham Bay Park, the New York Botanical Garden and the Bronx Zoo, and it is the home of Yankee Stadium.
For businesses, the mainland location means trucks arrive by road from the north rather than over bridges and tunnels from the west, and many supply runs begin and end in the borough. It also means that many owners live and work within a few blocks of one another, a pattern that makes neighborhood reputation matter a great deal.
New York City's minimum wage is $17 an hour in 2026, and then indexed from 2027. For an employer with a handful of hourly workers, that makes payroll the biggest fixed cost after rent, and a bill that arrives on a set day whether or not customers paid you that week.
For illustration only, with invented numbers: a Bronx restaurant with eight part-time employees may owe several thousand dollars in wages every two weeks. If a catering client pays 30 days late, or a slow week follows a holiday, the wage date does not move. Working capital is how owners cover the difference between the payroll date and the collection date. These figures are not our terms.
| Business | The gap |
|---|---|
| Restaurant or bakery | Weekly supplier bills versus uneven daily receipts |
| Contractor or trades | Materials bought now, customer pays at completion |
| Wholesale or distribution | Inventory bought ahead of orders; customers pay on terms |
| Home-care or medical office | Staff paid weekly, payers reimburse later |
| Retail storefront | Stock bought ahead of holidays and back-to-school |
Notice that none of these is a sign of a weak business. Each is a normal timing gap that grows as the business does.
We fund $25,000 to $5,000,000, as little as 24 hours after the five-minute application. A FICO of 500+ is considered, the first credit look is soft, and about three months of business bank statements is the main document. No tax returns, and sole proprietors can apply. Rates and term lengths are not published here, so compare the offer's full cost. Apply here.
No. Many owners use it to bridge routine gaps, such as payroll timing or stock purchased ahead of a busy period.
No. It is a five-minute application plus about three months of business bank statements.
It affects your payroll, which is often the largest recurring bill in a gap. Use your actual payroll numbers when sizing a request.
Yes. Tax returns are not required.
Yes, and FICO 500+ is considered.
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
