Orchardstone Lenders is a broker, not a lender: funding partners decide every request and set every term. Local figures are Census counts with their year, and worked examples are invented.
Orchardstone Lenders Is a Broker: Requests Go to Funding Partners
Orchardstone Lenders is a broker, not a lender. It takes a business funding request and passes it to funding partners, and each partner reviews the request and decides for itself. Orchardstone does not lend money, make credit decisions, or hold or move funds for any business. A partner that makes an offer does so in its own name and under its own agreement.
Offers, Rates, Factors and Declines Come From the Partner
Whether a request receives an offer, for what amount, at what rate or factor and on what terms is for the funding partner to decide. Nothing on this site is an offer of credit or a commitment to fund. A partner may check credit, ask for records, offer less than the amount requested or decline the request.
How a Card-Sales Advance Differs From the Loans on This Site
A merchant cash advance described on this site is a purchase of a share of future card sales, not a loan. The provider pays a sum now and collects an agreed share of sales, or an agreed fixed amount, until the purchased total is reached. The provider sets the factor, the holdback and every other term.
Census Counts and Labeled Invented Examples: Sources Used Here
Local figures come from U.S. Census Bureau programs, named with their year beside each number: County Business Patterns and ZIP Code Business Patterns for employer establishments, Nonemployer Statistics for businesses without paid employees, and the American Community Survey, shown with its margin of error. County figures describe Kings County, CA; ZIP figures describe the ZIP named beside them, such as ZIP 93230; city figures are labeled as Hanford, CA. Any example marked “Illustration only, invented figures” uses made-up amounts and rates to show the arithmetic and is not a quote.
Funding Outside This Site’s Scope
This site does not arrange funding for agriculture or trucking companies, for buying real estate or buying a business, for building construction loans or work on buildings or land, or personal and consumer loans.
By Orchardstone Lenders · Updated