01
Working Capital
Money that bridges payroll, supplier bills and other costs while invoices or reimbursements are still out.
Statesville, NC Business Funding: Working Capital, Lines of Credit, Equipment and Term Loans
Say what the money has to pay for: payroll before a draw clears, a lift for a third bay, shelves to restock. We shape the request and send it to funding partners who review it.
What is the money for?
How a request works
- 1Name the purpose
- 2Shape the request
- 3A partner reviews
Six funding structures
6 options Iredell County, NC businesses use for payroll, stock, equipment and expansion, sorted by what each one pays for.
02
Business Term Loans
A single sum repaid on a fixed schedule, for an expansion, a second space or buying out a partner.
03
Business Line of Credit
A limit you draw against when a gap opens and pay down when deposits catch up.
04
Inventory Financing
Funding for stock you buy before it sells, often secured by the goods themselves.
05
Equipment Financing
Loans and leases for lifts, press brakes, mowers, dental chairs, coolers and trailers.
06
Merchant Cash Advance
A sale of part of your future card or bank receipts, not a loan. Total the remittances before you sign.
How it works
A call, a shaped request, a partner's review, your decision.
Name the purpose
Call us, or send the short form and expect our call. The first talk is about purpose and timing.
Shape the request
We pick the structure that fits and list the records a partner is likely to want.
A partner reviews
The partner reviews the file and replies with its own terms.
You choose
Read the offer in writing and accept it, ask questions or walk away.
Torn between two structures?
(704) 266-1084Opening Questions From Statesville, NC Owners
Brief answers to the opening questions Iredell County, NC owners raise.
How do I get a business loan in Statesville, NC?
Start by naming the purpose and the timing, then gather recent bank statements and your entity details. Call (704) 266-1084 or send the short form; we match the request to a structure and to partners who review that kind of file. Each partner decides and sets its own terms.
What can a small business loan be used for in Statesville, NC?
Common purposes are payroll, supplier bills, inventory, equipment, a build-out, a second location or buying out a partner. The purpose decides the structure: a short gap suits working capital or a credit line, while a long-lived asset suits a term loan or equipment financing.
What are typical business loan requirements?
There is no single list, and no partner publishes fixed thresholds through us. Partners commonly look at time in business, revenue shown in bank deposits, existing debts, the owner's credit and, for equipment, a quote or invoice. The request form itself asks for contact details plus three range picks.
How does a business loan work if Southwick is involved?
We shape the request and introduce it; the funding partner underwrites, prices and, if it approves, funds and services the loan. Repayment goes to the partner under the partner's agreement, which you read before signing.
Question not here? Call (704) 266-1084.
Send the Short Form, Then Expect a Call
The form asks for your full name, phone, email and company name (optional), three quick picks for time in business, annual revenue range and requested amount range, and your consent. No Social Security number and no bank statements at this stage.
Call (704) 266-1084
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