Yates County sits between the Finger Lakes' lake towns and farm country, with Penn Yan as its hub. Owners here plan around the visitor season, vineyard calendars and a large Mennonite community.
Apply Now →Yates County had 24,774 residents in the 2020 census, and Penn Yan, the county seat, is its largest village with 5,159. Dundee, Keuka Park, Rushville and Dresden are smaller. The county covers 376 square miles, of which 38 are water, and it lies in the Finger Lakes northwest of Ithaca and southeast of Rochester. Keuka College is in the county, and Penn Yan Airport is its main airfield.
The scale is small and the businesses are mostly owner-run: shops and restaurants in Penn Yan, farms and orchards outside it, and the lake-adjacent businesses that serve visitors. A Mennonite settlement established in 1974 has grown to more than 3,000 residents, and community members run trades, produce operations and retail of their own.
Lodging, cafes, boat services and gift shops earn most of their year when visitors arrive. Rent, insurance and utilities keep running through the quiet months, so many owners need cash to bridge from late fall to spring.
Growers spend on labor, spraying, supplies and equipment well before they sell. A sprayer or press that fails mid-season cannot wait for harvest income.
A hardware store, auto shop or contractor in Penn Yan does not have a visitor season to lean on. Its cash problems usually come from one large repair, one late-paying customer or one inventory order.
For illustration only: a Keuka Lake-area business spends $35,000 in spring to get ready for the visitor months, covering repairs, stock and seasonal staff. Revenue arrives slowly in the first weeks of the season and peaks later. The business is healthy overall but is short of cash for the first stretch. Working capital placed before the season starts can cover those costs and then be repaid from the busier months.
These are round numbers meant to show the mechanics. They are not an offer or typical terms.
We fund $25,000 to $5,000,000, and funding can arrive in as little as 24 hours after approval. The application takes about five minutes, uses a soft credit pull, and we consider FICO 500 and above. Instead of tax returns, we ask for about three months of business bank statements. Sole proprietors can apply.
If your business spans seasons, expect the statements to show a peak and a trough. That is normal, and it is helpful to explain it in the application so the picture is clear.
Start the 5-minute application when you have a number in mind. It uses a soft credit pull, and sole proprietors can apply.
Yes. Agricultural and vineyard businesses can apply. We look at business bank statements, and we consider FICO 500+. Tax returns are not required.
Any business with a business bank account and revenue moving through it can apply. The same requirements apply to every applicant: about three months of bank statements and a short application.
Seasonal patterns are common in the Finger Lakes. Statements will show them, and it helps to say in your application what the funding will cover and when revenue returns.
The application uses a soft credit pull, which does not affect your score.
Funding runs from $25,000 to $5,000,000. Choose an amount tied to a specific need such as equipment, stock or covering a seasonal gap.
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
