Long Island is about 120 miles long and very different from one end to the other. A cash bridge for a Nassau storefront looks different from one for a North Fork farm stand.
Apply Now →Long Island extends about 120 miles eastward from New York Harbor into the Atlantic Ocean, with a maximum width of about 23 miles. Geographically it comprises four counties: Kings (Brooklyn), Queens, Nassau and Suffolk. Kings and Queens are boroughs of New York City, while Nassau and Suffolk occupy the central and eastern parts. In common usage, "Long Island" often means only Nassau and Suffolk. Long Island Sound lies to the north, and the Atlantic to the south and east.
For a business owner, that range means different customers, commutes and cost structures, but similar bills arriving on similar days.
| Pattern | Typical business | Where the gap appears |
|---|---|---|
| Commuter hamlet storefront | Cafe, salon, dry cleaner | Fixed rent against uneven weekly sales |
| Trade and home service | Contractor, landscaper, HVAC | Materials and crew paid before the customer pays |
| Waterfront and seasonal | Marine, restaurant near the shore, tour services | Quiet months with fixed costs |
| Professional practice | Medical, dental, therapy | Insurer reimbursement delay |
| Industrial and wholesale | Distributors, light manufacturers | Inventory and payroll ahead of customer terms |
Notice that the common thread is timing, not profitability.
New York's minimum wage in 2026 is $17 an hour in New York City, Long Island and Westchester, and $16 in the rest of the state, with indexing starting in 2027. For a Long Island employer, the higher figure applies. With several hourly workers, wages are the largest recurring bill after rent, due on a fixed schedule whether or not a customer has paid you.
For illustration only, with invented numbers: a Long Island garden center pays $22,000 in biweekly payroll and supplier bills in April while most of its revenue arrives in May and June. A working-capital draw sized to that early-spring outlay lets the business stock up and hire at the right time. These figures are not our terms or typical outcomes.
We fund $25,000 to $5,000,000, in as little as 24 hours after a 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; sole proprietors can apply. Rates and term lengths are not published here; compare the offer's full cost.
If your need is one defined project rather than a recurring gap, a different structure may suit you better, so describe the project when you apply. Apply here.
Geographically yes, but most people mean Nassau and Suffolk. We serve all of them; apply with your business address.
$17 per hour in 2026 for New York City, Long Island and Westchester, per state announcements.
Plan the request around the weeks when costs exceed deposits and note when cash returns.
About three months of business bank statements and a five-minute application.
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
