And BNDES is practically alone in the long-term loan business.

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In the later stages of a growing business, the now-incorporated business might need a bank loan for various needs, including operating capital and long-term growth.

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The area covered by Breezy Point's ZIP Code had the largest percentage of New York City households that received a Sandy-related disaster loan from the U.S. Small Business Administration, which are used for long-term rebuilding, including elevating homes.

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Common requirements include: purpose of the loan, history of the business, financial statements for three years (existing businesses), schedule of term debts (existing businesses), aging of accounts receivable and payable (existing businesses), projected opening-day balance sheet (new businesses), lease details, amount of investment in the business by the owner(s), projections of income, expenses and cash flow, signed personal financial statements and personal resume(s).

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