Southwick Loans is based in Statesville, NC and serves Iredell County businesses by phone and online. It matches each funding request, across six structures, with funding partners, who review it and make their own decision. This page explains how that works, what Southwick does and where its role ends.
What Southwick Loans does
The starting point is the actual problem, such as an unpaid draw, a broken lift or a second location, not a lecture on loan types. We listen, say which structure fits it and who might fund it. That is the work: understand the purpose, pick the structure, prepare the request and introduce it to funding partners whose programs match.
We handle six structures: working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. The last one is not a loan, and we explain the difference every time it comes up.
Arranging funding versus lending it
A direct lender uses its own money, underwrites the request and collects the payments. A broker arranges: it does not lend, it helps the request reach lenders and funders. Southwick Loans is in the second group. The practical result is that the partner, not Southwick, decides whether to approve, how much, at what price and on what terms.
How does that compare with walking into a bank? A bank reviews a request against its own products only. Working through Southwick, the request can be matched against several partners' programs, including some that review files a bank might not. Either way, read the offer in full and compare the total cost.
- We do: listen, match a structure, prepare the request, explain offers in plain terms
- Partners do: underwrite, decide, price, fund and service
- You do: choose whether to accept, and with whom
Where Southwick Loans is based
Our address is 117 S Center St, Statesville, NC 28677, and the phone number is (704) 266-1084. Requests are handled entirely by phone and online, so owners in Troutman, Mooresville, Taylorsville or anywhere else nearby use the same process as owners in Statesville, NC itself.
Lines Southwick Loans will not cross
- Promise a yes, a price, a sum or a date
- Arrange personal, payday, title, mortgage or SBA loans
- Describe a receivables advance as a loan
- Push you toward signing anything
The full statement of our role is on the disclosures page, and the steps are on how a request moves. Phone and address details sit on the contact page.
By Southwick Loans · Updated
