# Orchardpeak Business Funding > Orchardpeak Business Funding is a small-business funding broker at Eight Main Place, 801 S Main St, Stillwater, OK 74074 (phone (405) 357-4905). It helps businesses in Stillwater, OK; Perkins, OK; Perry, OK; Cushing, OK and across Payne County, Oklahoma, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Orchardpeak Business Funding connects you with lending partners; partners make credit decisions and set rates and terms. Orchardpeak Business Funding is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Orchardpeak Business Funding does not arrange personal, payday, auto title, mortgage or SBA loans, does not offer grants, does not lend its own money, and does not arrange startup or trucking funding. Key facts: - Business type: small-business funding broker (not a lender) - Address: Eight Main Place, 801 S Main St, Stillwater, OK 74074, United States - Phone: (405) 357-4905 - Apply: https://orchardpeakbusinessfunding.com/apply/ - Service area: Stillwater, OK; Perkins, OK; Perry, OK; Cushing, OK and all of Payne County, Oklahoma - Language: English ## Funding options - [Compare Business Funding Options in Stillwater, Oklahoma](https://orchardpeakbusinessfunding.com/business-loans/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, compares six funding options: working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. The table shows what each pays for, how payments work and what partners usually review. - [Working Capital Loans for Stillwater, OK and Payne County, OK](https://orchardpeakbusinessfunding.com/business-loans/working-capital/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, explains working capital loans: short-term funding for payroll, supplier bills and receivable gaps. This page covers how the amount is usually sized, how it compares with a line of credit or a merchant cash advance, and which records funding partners review. - [Business Term Loans for Stillwater, OK and Payne County, OK](https://orchardpeakbusinessfunding.com/business-loans/term-loans/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, explains business term loans for expansion, renovation, repairs and buying an existing business. The page covers how a term is chosen, what partners usually ask for, and how permits and project timing affect the request. - [Business Lines of Credit for Stillwater, OK and Payne County, OK](https://orchardpeakbusinessfunding.com/business-loans/line-of-credit/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, explains business lines of credit: revolving limits for uneven months, recurring bills and short payroll gaps. The page covers draws and repayment, collateral, how owners qualify, and how a line compares with a credit card. - [Inventory Financing for Stillwater, OK and Payne County, OK](https://orchardpeakbusinessfunding.com/business-loans/inventory-financing/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, explains inventory financing for shops, parts counters, fuel stations and wholesalers. The page covers buying stock ahead of demand, turnover and carrying cost worked by hand, and the records funding partners commonly review before financing goods. - [Equipment Financing and Leasing for Stillwater, OK and Payne County, OK](https://orchardpeakbusinessfunding.com/equipment-financing/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, explains equipment financing and leasing for new and used equipment: kitchen lines, service vans, lifts, mowers and clinical chairs. The page compares loans and leases, shows what a quote should include, and lists what funding partners review. - [Merchant Cash Advances for Stillwater, OK and Payne County, OK](https://orchardpeakbusinessfunding.com/merchant-cash-advance/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, explains merchant cash advances, which are purchases of future receivables rather than loans. The page covers factor rates, holdbacks, how to total the cost in dollars, and when to compare an advance with working capital or a line of credit first. ## Industries - [Business Funding by Industry in Stillwater, OK](https://orchardpeakbusinessfunding.com/industries/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, sorts business funding by industry: contractors, restaurants, medical and dental practices, retailers, professional firms, auto shops, salons, gyms, daycares and more. Partners consider businesses across most industries; each note uses Payne County, OK Census counts. - [Business Funding for Contractors and Builders in Stillwater, Oklahoma](https://orchardpeakbusinessfunding.com/industries/construction/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, explains contractor business loans: lines of credit for materials between draws, working capital for crew payroll, equipment financing for machines and trucks, and how retainage stretches the cash cycle. Payne County, OK Census counts show who is building locally. - [Business Funding for Retailers in Stillwater, Oklahoma](https://orchardpeakbusinessfunding.com/industries/retail/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, explains retail business loans for boutiques, clothing stores, hardware and garden dealers, liquor stores and other shops: when to use inventory financing, a line of credit or equipment financing. Payne County, OK had 295 retail employer locations in 2023. - [Business Funding for Restaurants in Stillwater, Oklahoma](https://orchardpeakbusinessfunding.com/industries/restaurants/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, explains restaurant business loans: financing kitchen equipment, paying for a renovation or commercial kitchen remodel, covering payroll in a slow stretch, and when a merchant cash advance is worth comparing. Payne County, OK had 125 full- and limited-service restaurants in 2023. - [Business Funding for Auto Repair Shops in Stillwater, Oklahoma](https://orchardpeakbusinessfunding.com/industries/auto-repair/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, explains auto repair shop financing: automotive lift and diagnostic equipment, parts inventory, working capital for payroll and parts, and buying a mechanic shop. Payne County, OK had 44 auto repair and maintenance employers in 2023, half of them under five employees. - [Business Funding for Gas Stations and Convenience Stores in Stillwater, Oklahoma](https://orchardpeakbusinessfunding.com/industries/gas-stations-convenience-stores/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, explains funding for gas stations and convenience stores: stocking the store, financing coolers and equipment, remodels, and how to buy a gas station. Payne County, OK had 37 gasoline station employer locations in 2023, most with five or more employees. - [Business Funding for Law Firms in Stillwater, Oklahoma](https://orchardpeakbusinessfunding.com/industries/law-firms/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, explains law firm financing options: lines of credit and working capital for payroll and case costs between fees, term loans for partner buy-ins and office moves, and what partners review. Payne County, OK had 37 legal services employers in 2023, most of them small. - [Business Funding for Physician Practices in Stillwater, Oklahoma](https://orchardpeakbusinessfunding.com/industries/medical-practices/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, explains business loans for doctors and physician practices: financing exam and diagnostic equipment, covering insurance reimbursement gaps, opening a private practice and refinancing medical equipment. Payne County, OK had 36 physician offices with employees in 2023. - [Business Funding for Insurance Agencies in Stillwater, Oklahoma](https://orchardpeakbusinessfunding.com/industries/insurance-agencies/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, explains insurance agency financing: acquisition loans for agencies and books of business, lines of credit for commission timing, and funding for new producers. Payne County, OK had 34 insurance agencies with employees in 2023, most with fewer than five people. - [Business Funding for Chiropractic, Therapy and Optometry Practices in Stillwater, Oklahoma](https://orchardpeakbusinessfunding.com/industries/chiropractors-and-therapists/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, explains funding for chiropractic, physical therapy and optometry practices: equipment financing, opening a chiropractic practice, buying an optometry practice and covering insurance payment gaps. Payne County, OK had 31 such practice offices with employees in 2023. - [Business Funding for Landscaping and Lawn Care Companies in Stillwater, Oklahoma](https://orchardpeakbusinessfunding.com/industries/landscaping/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, explains funding for landscaping and lawn care companies: financing mowers, trailers and trucks, covering crews and fuel before invoices are paid, and using a line of credit for uneven months. The page also lists Payne County, OK employer and nonemployer counts, kept separate. - [Business Funding for Dental Practices in Stillwater, Oklahoma](https://orchardpeakbusinessfunding.com/industries/dental-practices/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, explains dental office loans and financing: chairs, imaging and operatory equipment, build-outs, and dental practice acquisition loans. It also separates practice financing from patient financing. Payne County, OK had 30 dentist offices with employees in 2023. - [Business Funding for Plumbing and HVAC Contractors in Stillwater, Oklahoma](https://orchardpeakbusinessfunding.com/industries/plumbing-hvac/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, explains funding for plumbing and HVAC contractors: work van financing, equipment and parts, lines of credit for install jobs, and buying an existing plumbing business. Payne County, OK Census counts for NAICS 238220 show the local trade's size. - [Business Funding for Accounting and Tax Practices in Stillwater, Oklahoma](https://orchardpeakbusinessfunding.com/industries/accounting-firms/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, explains CPA and accounting firm financing: loans to buy an accountancy practice, lines of credit for uneven fee months, and funding to grow a firm. Payne County, OK had 25 accounting, tax preparation, bookkeeping and payroll employers in 2023. ## Guides and calculators - [Business Funding Guides and Tools for Stillwater, OK Owners](https://orchardpeakbusinessfunding.com/resources/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, publishes guides for local owners: Oklahoma trade name filings, the Oklahoma annual certificate, Stillwater, OK zoning and permits, local small-business help, and a factor rate calculator for merchant cash advance offers. - [Oklahoma Trade Name Registration and Your Funding File (Stillwater, OK)](https://orchardpeakbusinessfunding.com/resources/oklahoma-trade-name-registration/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, explains why Oklahoma trade name records matter in a funding file: partners match the legal name, the operating name and the bank account. The guide covers searching trade names, keeping a report or certificate on hand, and fixing mismatches before you apply. - [The Oklahoma Annual Certificate: Keeping Entity Status Current Before You Apply (Stillwater, OK)](https://orchardpeakbusinessfunding.com/resources/oklahoma-annual-certificate/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, explains why funding partners check entity status and how the Oklahoma annual certificate fits in. The guide covers what partners look at, online filing, renewal reminders, and what to do if your LLC's record shows a problem before you apply. - [Stillwater, OK Zoning, Planning Commission and Building Permits Before You Expand](https://orchardpeakbusinessfunding.com/resources/stillwater-ok-zoning-and-permits/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, explains how zoning, planning commission review and building permits affect an expansion, remodel or new location, and how permit timing should shape a term loan request. It points owners to the city's official website for current rules. - [Small Business Help in Stillwater, OK and Payne County, OK](https://orchardpeakbusinessfunding.com/resources/stillwater-small-business-resources/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, lists the kinds of local help owners use: city and county offices, small business advising, the chamber of commerce, and state business records. Orchardpeak is not affiliated with these organizations. - [Factor Rate Calculator for Stillwater, OK Merchant Cash Advance Offers (Not a Loan)](https://orchardpeakbusinessfunding.com/resources/factor-rate-calculator/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, offers this factor rate calculator for merchant cash advance offers, which are not loans. It turns an advance, a factor rate and a holdback into total payback, dollar cost and estimated days of collection, and explains how to compare that cost with a loan. ## Areas served - [Business Funding in Stillwater, Oklahoma: Payne County, OK Business Facts and Resources](https://orchardpeakbusinessfunding.com/stillwater-ok/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, gathers Census Bureau counts for Payne County, OK and the city's main ZIP Code: employer and nonemployer businesses, sector mix, self-employment and building permits. The page links each large sector to its funding page and lists local records partners may check. - [Areas Served Around Stillwater, OK](https://orchardpeakbusinessfunding.com/service-areas/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, serves owners across Payne County, OK and nearby towns by phone and online. Perkins, OK, Perry, OK and Cushing, OK have their own pages with ZIP-level Census counts; smaller towns such as Glencoe, OK, Yale, OK and Pawnee, OK are described on this page. - [Business Financing for Perkins, Oklahoma Businesses](https://orchardpeakbusinessfunding.com/service-areas/perkins-ok/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, serves Perkins, OK owners by phone and online. This page uses ZIP 74059 Census counts to describe the businesses there, construction first, and explains which funding options fit contractors, shops and service firms in the area. - [Business Financing for Perry, Oklahoma Businesses](https://orchardpeakbusinessfunding.com/service-areas/perry-ok/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, serves Perry, OK owners by phone and online. Perry, OK is in Noble County, OK, so this page uses ZIP 73077 Census counts rather than Payne County, OK figures, and explains which funding options fit its shops, restaurants and service businesses. - [Business Financing for Cushing, Oklahoma Businesses](https://orchardpeakbusinessfunding.com/service-areas/cushing-ok/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, serves Cushing, OK owners by phone and online. This page uses ZIP 74023 Census counts to describe the area's businesses, including its restaurants and eating places, and explains which funding options fit them. ## Company - [Business Funding in Stillwater, OK: Loans, Lines of Credit and Equipment Financing](https://orchardpeakbusinessfunding.com/): Orchardpeak Business Funding is a Stillwater, OK service that helps owners fund their businesses. It explains six ways to fund a business (working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances) and sends each request to funding partners, who review it and make their own decision. Phone (405) 357-4905, or use the online request form. - [How Business Funding Works in Stillwater, OK: From First Call to Offer](https://orchardpeakbusinessfunding.com/how-it-works/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, explains the business loan approval process step by step: the first call, the records partners commonly request, the partner's review and the owner's decision. The service matches each request with funding partners, who review it and make their own decision; owners can decline any offer. - [Business Funding Questions From Stillwater, OK Owners](https://orchardpeakbusinessfunding.com/faq/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, answers business funding questions: whether a merchant cash advance is a loan, how a line of credit affects credit scores, equipment financing and taxes, business bank accounts, and what to expect after a request. The service matches each request with funding partners, who review it and make their own decision. - [About Orchardpeak Business Funding in Stillwater, OK](https://orchardpeakbusinessfunding.com/about/): Orchardpeak Business Funding is a Stillwater, OK service that helps owners fund their businesses. It explains six funding options in plain dollars, matches each request with funding partners who offer that product, and those partners review it and make their own decision. Owners start with a call to (405) 357-4905 or a few minutes on the online request. - [Contact Orchardpeak Business Funding in Stillwater, OK](https://orchardpeakbusinessfunding.com/contact/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, takes funding requests by phone at (405) 357-4905 and through the online request form. This page lists the phone number, the business address and a map, and explains what to have ready before you call. - [Request Business Funding Options in Stillwater, OK](https://orchardpeakbusinessfunding.com/apply/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, takes funding requests through this short form. It asks for contact details, time in business, an annual revenue range and the amount sought; a call follows. A funding partner reviews each request and makes its own decision. - [Disclosures for Orchardpeak Business Funding, Stillwater, OK](https://orchardpeakbusinessfunding.com/disclosures/): Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, sets out its role here: it matches requests with funding partners, who review them and make their own decisions. The page also explains merchant cash advances, illustrative examples and the public data used on the site. ## Optional - [Full text of every page](https://orchardpeakbusinessfunding.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://orchardpeakbusinessfunding.com/sitemap.xml)