Staten Island is a borough of parks, bridges and car-dependent customers. Small businesses here tend to feel the cost of a truck, a tool or a slow month more than the cost of a storefront.
Apply Now →Staten Island had 495,747 residents in the 2020 census, which makes it the least populated of the five boroughs and the most suburban. It covers about 58.5 square miles, and it helps to think of it by shore.
Staten Island connects to the rest of the region by the Verrazzano-Narrows Bridge to Brooklyn, and by the Outerbridge Crossing, Goethals Bridge and Bayonne Bridge to New Jersey, along with the Staten Island Ferry to Manhattan. That setup matters for a business owner. A tradesperson who works across the harbor spends time and money on tolls and transit before earning a dollar. A delivery or service business with several vehicles has fuel, insurance and maintenance as fixed costs that do not wait for invoices to be paid.
| Business | Typical pressure | Use of funds |
|---|---|---|
| Contractor or landscaper | Materials and crew pay before the client pays | Bridge a job from start to final invoice |
| Auto and marine service | Parts inventory and lift or tool replacement | Equipment and stock |
| Boardwalk or waterfront food | Revenue weighted toward warm months | Off-season payroll and spring restocking |
| Medical or dental office | Payer timing | Staffing and supplies between reimbursements |
| West Shore supplier | Net-30 or longer terms from customers | Pay vendors and drivers on time |
Staten Island is the only borough without a hospital run by the city. The Richmond University Medical Center and the Staten Island University Hospital are privately operated. That keeps a steady need for medical suppliers, cleaners, caterers, and the offices and practices around the hospitals. Businesses in that orbit often deal with large customers whose payment schedules are longer than the owner's payroll cycle.
We fund $25,000 to $5,000,000, and funding can arrive in as little as 24 hours. The application takes about five minutes with a soft credit pull. We consider FICO scores of 500 and above, ask for about three months of business bank statements, and do not require tax returns. Sole proprietors can apply. Start your application when you are ready.
Yes. Staten Island is part of New York City, where the 2026 minimum wage is $17 an hour, with indexing scheduled to begin in 2027.
Seasonality is common and is visible in your statements. The point is to show the deposit pattern across the months, not to hide the slow ones.
Yes. Sole proprietors can apply.
About three months of business bank statements and a short description of how you would use the funds. Tax returns are not required.
No. It uses a soft credit 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
