# Ivyland Loans > Ivyland Loans is a small-business funding broker at 160 E Washington St, Stephenville, TX 76401 (phone (254) 256-1436). It helps businesses in Stephenville, TX and across Erath County, Texas, explore equipment loans and leases, working capital, term loans for buying a business, credit lines, inventory funding and merchant cash advances for small businesses. Ivyland Loans is a loan broker and not a lender. A request goes to funding partners, and each partner reviews it and makes its own decision. Ivyland Loans is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Ivyland Loans does not arrange funding for agriculture, farms or ranches, trucking companies, startups without revenue, real estate purchases or building construction loans. Key facts: - Business type: small-business funding broker (not a lender) - Address: 160 E Washington St, Stephenville, TX 76401, United States - Phone: (254) 256-1436 - Apply: https://ivylandloans.com/apply/ - Places: Stephenville, TX and all of Erath County, Texas - Language: English ## Funding options - [Business Financing Options in Stephenville, TX, From Press Brakes to Payroll](https://ivylandloans.com/business-loans/): Six products, each matched to a purpose: equipment financing for machines, working capital for running costs, term loans for one-time purchases, a credit line for repeat draws, inventory financing for stock and a merchant cash advance against card sales. The product a request ends up as is decided by a funding partner after its own review. - [Working Capital Loans in Stephenville, TX While Plant and Service Invoices Clear](https://ivylandloans.com/business-loans/working-capital/): Working capital covers running costs, not purchases that last: wages, materials and bills due before customers pay. Payroll is the cost that cannot slip: Erath County, TX employer establishments paid out $609.4 million of it in 2023 (County Business Patterns). Funding partners review deposits and receivables and set any terms. - [Business Term Loans in Stephenville, TX for Buying a Shop or a Plumbing Company](https://ivylandloans.com/business-loans/term-loans/): A term loan pays for something that lasts, on a schedule that ends. Buying an existing business is an allowed use, the business side only: equipment, stock, goodwill and working capital, never the building or land. Funding partners set any amount, rate and term. - [Business Line of Credit in Stephenville, TX for Parts Runs and Equipment Repairs](https://ivylandloans.com/business-loans/line-of-credit/): A line of credit sets a limit; the business draws what it needs, pays it back and can draw again, with interest on the balance in use. It fits repeat, unpredictable costs better than a one-time purchase. Funding partners review deposits and credit and set the limit and terms. - [Inventory Financing in Stephenville, TX for Pipe, Fittings, Parts and Retail Stock](https://ivylandloans.com/business-loans/inventory-financing/): Inventory financing covers stock bought ahead of the sale or the job that uses it, and the stock can serve as security. Repair shops, plumbing companies and retailers can compare that structure for goods they expect to use or sell. Funding partners review sales history and the order and set any terms. - [Equipment Financing in Stephenville, TX: Forklifts, Press Brakes and Fabrication Tools](https://ivylandloans.com/equipment-financing/): Loans and leases can fund movable business equipment. A provider selects the assets and records it will review, while the written agreement determines ownership, security, complete costs and what happens at the end. - [Merchant Cash Advance in Stephenville, TX: Card-Receipt Purchases and Collection](https://ivylandloans.com/merchant-cash-advance/): A merchant cash advance sells part of the business’s future card receipts instead of using a loan structure. Compare cash supplied, total collected, collection timing and all conditions with a line of credit or term loan before deciding. ## Industries - [Business Loans by Industry in Stephenville, TX: Plants, Trades, Kitchens and Shops](https://ivylandloans.com/industries/): Compare equipment, stock and operating costs by business type. County figures describe their own populations and year, while each provider selects its review and any terms. - [Stephenville, TX Construction Business Loans for Skid Steers and Retainage Gaps](https://ivylandloans.com/industries/construction/): A contractor can compare equipment financing, inventory funding or working capital by matching the structure to the actual purchase. Providers select their evidence and any terms; county statistics do not imply approval. - [Business Loans for Retail in Stephenville, TX: Display Cases and Stock Orders](https://ivylandloans.com/industries/retail/): Stock, fixtures and operating costs call for different funding structures. A provider chooses which records and terms to offer; a county retail count does not establish eligibility. - [Business Loans for Manufacturing Companies in Stephenville, TX: Conveyors and Tooling](https://ivylandloans.com/industries/manufacturing/): Machinery, materials and production costs require different funding comparisons. A provider selects the evidence and any offer; a county manufacturing total does not establish eligibility. - [Medical Clinic Financing in Stephenville, TX: Imaging Units and Exam-Room Equipment](https://ivylandloans.com/industries/health-care-practices/): Equipment, a second location and an existing practice purchase need different records. Providers choose which documents and conditions to assess; no local establishment count determines eligibility. - [Restaurant Loans in Stephenville, TX: Walk-In Coolers, Fryers and Slow-Week Payroll](https://ivylandloans.com/industries/restaurants/): The appropriate comparison depends on whether a kitchen is purchasing a machine, buying stock or meeting dated operating expenses. County statistics do not establish eligibility; each funding company decides on the restaurant’s records and offer conditions. - [Stephenville, TX Auto Repair Shop Loans: Scan Tools, Alignment Racks and Parts Inventory](https://ivylandloans.com/industries/auto-repair/): For a garage, the choice among equipment, stock and operating-cost funding depends on what is being bought and which receipts support repayment. Local business counts are context rather than an eligibility decision; the funder sets its own documentation and conditions. - [HVAC Business Loans in Stephenville, TX for Jetters, Diagnostic Tools and Parts Stock](https://ivylandloans.com/industries/plumbing-hvac/): A plumbing or HVAC contractor can compare equipment, inventory and working-capital structures by matching the structure to the actual need. Providers select their evidence and any terms; county contractor counts do not imply approval. ## Tools and calculators - [Equipment Loan Calculator and Lease-vs-Buy Worksheet for Stephenville, TX](https://ivylandloans.com/resources/equipment-lease-or-buy-calculator/): The widget uses amount, annual rate and months to calculate level loan payments. A separate worksheet accounts for lease payments and purchase options; actual provider agreements determine all terms. - [Stephenville, TX Funding Resources: Equipment Loan and Lease Math](https://ivylandloans.com/resources/): The current resource is an equipment-loan calculator with a manual lease-vs-buy worksheet. Deferred zoning and plumbing-license guides are not presented as published resources. ## Communities near Stephenville, TX - [Business Loans in Stephenville, TX: What Erath County, TX Business Counts Show](https://ivylandloans.com/stephenville-tx/): Use Erath County, TX and ZIP 76401 evidence to understand the business population, not to infer approval. A provider assesses the actual request and decides any terms. - [Business Funding Around Erath County, TX: Stephenville, TX, Dublin, TX and Nearby Communities](https://ivylandloans.com/service-areas/): Stephenville has a dedicated local page. Other approved communities stay as hub notes rather than thin city pages. Funding partners select their review and any terms. ## Company - [Small Business Funding in Stephenville, TX for Plants, Plumbers and Repair Bays](https://ivylandloans.com/): Stephenville, TX businesses can request six funding products through Ivyland Loans, and each request goes to funding partners, who review it and decide. Erath County, TX, the county around Stephenville, held 1,116 employer establishments in the 2023 County Business Patterns count. Agriculture, trucking, startups and real estate are outside this site. - [How Business Funding Works in Stephenville, TX: Equipment Quote, Statements, Offer](https://ivylandloans.com/how-it-works/): At the outset, the form asks for your contact information, three business ranges and consent; Company Name is optional. The purpose is discussed separately, and each provider selects its review and any offer. - [Stephenville, TX Equipment and Business Loan Questions for Erath County, TX Owners](https://ivylandloans.com/faq/): Understand the opening inquiry, equipment loan and lease differences, provider options and merchant cash advance collection before discussing an actual request. - [About Ivyland Loans: Equipment and Business Funding in Stephenville, TX](https://ivylandloans.com/about/): A Stephenville, TX business can discuss a defined purchase or cash interval with Ivyland Loans. Independent providers select their evidence and any offer; no client outcome or approval is assumed. - [Contact Ivyland Loans in Stephenville, TX With an Equipment Quote in Hand](https://ivylandloans.com/contact/): Phone (254) 256-1436 or start with the online inquiry. The follow-up covers the actual purchase or expense interval, with the provider selecting its review and any offer. - [Apply for Equipment Financing in Stephenville, TX: Quote, Statements and One Form](https://ivylandloans.com/apply/): The first inquiry asks for Full Name, Phone, Email, an optional Company Name, Time in Business, Annual Revenue and Requested Amount, plus consent. Purpose and quotes are discussed afterward, not placed in invented fields. - [Ivyland Loans disclosures for Stephenville, TX businesses](https://ivylandloans.com/disclosures/): General product explanations and invented calculations are not offers. Independent providers choose their review and any terms; only an actual written agreement establishes the business’s obligations. ## Optional - [Full text of every page](https://ivylandloans.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://ivylandloans.com/sitemap.xml)