His attention now turned to commercial affairs in connection with the pursuit of the sea. His journal contains records of invoices and sales of goods suited to a West Indian market. These goods, amounting in value to $3000 Federal money, were disposed of in St. Domingo, February, 1774.
From the West Indies he sailed to New York, arrived there July, 1774. Here his business tact and shrewdness in trade attracted the notice of Thomas Randall, a prosperous merchant, and for more than two years Girard traded with New York, New Orleans and Port au Prince, on his own account and jointly with Mr. Randall.
One night in May, 1776, Stephen Girard’s vessel was overtaken by a storm and the ship was driven before the gale, until Captain Girard could hear the waves upon the shore. He cast anchor and waited for the morning. When daylight dawned the fog was too heavy for him to locate his position.
Girard fired a cannon as a signal of distress, which was soon answered by the approach of a pilot. “Where are we?” asked Captain Girard. “You are in Delaware Bay,” answered the pilot. “I wish to go to New York,” said Girard. “It can’t be done,” was the reply, “the British ships are swarming outside. You escaped them because of the fog but as soon as it disappears they will see and capture you. You must sail up to Philadelphia.”
Captain Stephen Girard saw that the advice was good, went to Philadelphia, sold his vessel and cargo, and made the city his home.
He set up a small store on Water Street, a short distance from the spot where he afterward located. He had no friends, and could speak English but poorly, but his business ability was so pronounced that he succeeded from the very beginning.
In July, 1777, he married Mary Lumm, of Philadelphia, the daughter of a shipbuilder, but the union was unhappy. Mr. Girard applied for a divorce, but his wife died of insanity in a hospital.
The approach of the British troops to Philadelphia drove Mr. Girard to Mount Holly, N. J., where he enjoyed a profitable trade with the American sailors, until the evacuation of Philadelphia, when he returned and for a few years was associated in business with his brother, John. This connection was dissolved in 1780, by which time Stephen had gained a fortune of $30,000.
During the next ten years he acquired a number of vessels, and had secured the lease on a range of stores at a time when rents were low, which he underlet at a large profit. He began to build a splendid fleet of ships, and soon every ocean saw Girard’s vessels.
Once when the United States was again troubled by the British, a ship owned by Girard, carrying a rich cargo from the East, almost in sight of Delaware Bay, was captured. Girard drove a bargain with the British captain and bought back his vessel for $180,000. Then he brought her to Philadelphia and sold the cargo for $500,000. It was difficult to beat Stephen Girard.