# Southwick Loans > Southwick Loans is a small-business funding broker at 117 S Center St, Statesville, NC 28677 (phone (704) 266-1084). It helps businesses in Statesville, NC; Troutman, NC; Catawba, NC; Mooresville, NC; Claremont, NC; Taylorsville, NC; Denver, NC and across Iredell County, North Carolina, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Southwick Loans connects you with lending partners; partners make credit decisions and set rates and terms. Southwick Loans is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Southwick Loans does not arrange personal, payday, auto title, mortgage or SBA loans, does not offer grants, and does not arrange funding for agriculture or trucking. Key facts: - Business type: small-business funding broker (not a lender) - Address: 117 S Center St, Statesville, NC 28677, United States - Phone: (704) 266-1084 - Apply: https://southwickloans.com/apply/ - Service area: Statesville, NC; Troutman, NC; Catawba, NC; Mooresville, NC; Claremont, NC; Taylorsville, NC; Denver, NC and all of Iredell County, North Carolina - Language: English ## Funding options - [Business Funding Options Explained for Iredell County, NC Businesses in Statesville, NC](https://southwickloans.com/business-loans/): Southwick Loans in Statesville, NC compares six funding structures for Iredell County businesses: working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. Each is matched to a purpose, from payroll gaps to second locations. This page explains the trade-offs so you can pick a starting point. - [Working Capital Loans Explained for Iredell County, NC Businesses in Statesville, NC](https://southwickloans.com/business-loans/working-capital/): Southwick Loans in Statesville, NC helps Iredell County owners request working capital from funding partners for payroll, supplier bills and other costs that fall due before receivables arrive. Partners review deposits, existing debts and time in business, then set the amount, term and price. This page explains how it works, what it is used for and when a line of credit fits better. - [Business Term Loans Explained for Iredell County, NC Businesses in Statesville, NC](https://southwickloans.com/business-loans/term-loans/): Southwick Loans in Statesville, NC helps Iredell County owners request business term loans from funding partners for expansion, a second location, buying an existing business or buying out a partner. Partners review the plan, the business's records and any collateral, then set the amount, term and rate. This page explains how term loans work and what to prepare. - [Business Lines of Credit Explained for Iredell County, NC Businesses in Statesville, NC](https://southwickloans.com/business-loans/line-of-credit/): Southwick Loans in Statesville, NC helps Iredell County businesses request lines of credit from funding partners for gaps that open and close: uneven months, reimbursement delays, materials bought ahead of a job. Partners set the limit, the rate and the draw rules after reviewing deposits and debts. This page explains how a line works and when it beats a lump sum. - [Inventory Financing Explained for Iredell County, NC Businesses in Statesville, NC](https://southwickloans.com/business-loans/inventory-financing/): Southwick Loans in Statesville, NC helps Iredell County retailers, gas stations, distributors and repair shops request inventory financing from funding partners. The goods often secure the funding, and repayment tracks how fast they sell. Partners review sales history, stock records and supplier terms, then set their own limits and pricing. This page explains how inventory financing works. - [Equipment Financing and Leasing Explained for Iredell County, NC Businesses in Statesville, NC](https://southwickloans.com/equipment-financing/): Southwick Loans in Statesville, NC helps Iredell County businesses request equipment loans and leases from funding partners for new and used machines, vehicles, kitchen lines and trailers. The equipment usually secures the deal, so partners look closely at the quote, the machine's age and the business's records. This page compares financing with leasing and covers used equipment. - [Merchant Cash Advances Explained for Iredell County, NC Businesses in Statesville, NC](https://southwickloans.com/merchant-cash-advance/): Southwick Loans in Statesville, NC explains merchant cash advances for Iredell County businesses with steady card or bank receipts. An advance is not a loan: a funder purchases a portion of future receipts and collects a fixed total through daily or weekly remittances. This page covers how it works, how to add up the cost, pros and cons, and when a loan fits better. ## Industries - [Business Funding by Industry in Statesville, NC](https://southwickloans.com/industries/): Southwick Loans in Statesville, NC groups Iredell County businesses by industry, because a contractor, a dental office and a gas station need money for different reasons. Fourteen industries have full pages with County Business Patterns 2023 counts; 26 more have short notes. Funding partners consider businesses across most industries and review each request on its own. - [Contractors and Builders in Statesville, NC: Business Funding Options](https://southwickloans.com/industries/construction/): Southwick Loans in Statesville, NC helps Iredell County contractors and builders request working capital, lines of credit and equipment financing from funding partners. County Business Patterns counted 621 construction employers in the county in 2023, two in three with fewer than five employees. This page explains the contractor cash cycle, which structures fit it and what partners review. - [Restaurants and Cafes in Statesville, NC: Business Funding Options](https://southwickloans.com/industries/restaurants/): Southwick Loans in Statesville, NC helps Iredell County restaurants, cafes and coffee shops request equipment financing, renovation and expansion loans, working capital and lines of credit from funding partners. County Business Patterns counted 161 full-service and 152 limited-service restaurant employers in the county in 2023. This page explains which structure fits which kitchen expense. - [Auto Repair Shops in Statesville, NC: Business Funding Options](https://southwickloans.com/industries/auto-repair/): Southwick Loans in Statesville, NC helps Iredell County auto repair, mechanic and body shops request equipment financing, inventory financing and working capital from funding partners. County Business Patterns counted 144 auto repair and maintenance employers in the county in 2023. This page covers the shop's cash cycle, which structures fit which purchase and what partners review. - [Medical Practices in Statesville, NC: Business Funding Options](https://southwickloans.com/industries/medical-practices/): Southwick Loans in Statesville, NC helps Iredell County physician practices and medical clinics request working capital, equipment financing and term loans from funding partners. County Business Patterns counted 140 offices of physicians in the county in 2023, with 1,916 employees. This page covers reimbursement timing, equipment, build-outs and buy-in loans, and what partners review. - [Chiropractors, Therapists and Optometrists in Statesville, NC: Business Funding Options](https://southwickloans.com/industries/chiropractic-therapy-practices/): Southwick Loans in Statesville, NC helps Iredell County chiropractors, physical therapists, optometrists and other practitioners request equipment financing, working capital and lines of credit from funding partners. County Business Patterns counted 126 offices of other health practitioners in the county in 2023, 64.3% with fewer than five employees. This page covers their equipment and cash cycles. - [Landscaping and Lawn Care Companies in Statesville, NC: Business Funding Options](https://southwickloans.com/industries/landscaping/): Southwick Loans in Statesville, NC helps Iredell County landscaping and lawn care companies request equipment financing, lines of credit and working capital from funding partners. County Business Patterns counted 93 landscaping employers in the county in 2023, and Nonemployer Statistics counted 458 one-person outfits in 2024. This page covers mowers, trailers, crew payroll and uneven months. - [Gas Stations and Convenience Stores in Statesville, NC: Business Funding Options](https://southwickloans.com/industries/gas-stations-convenience-stores/): Southwick Loans in Statesville, NC helps Iredell County gas station and convenience store owners request inventory financing, equipment financing and term loans from funding partners. County Business Patterns counted 87 gasoline stations and 11 convenience stores as employers in the county in 2023. This page covers fuel and store stock, coolers and pumps, buying a station and what partners review. - [Dental Practices in Statesville, NC: Business Funding Options](https://southwickloans.com/industries/dental-practices/): Southwick Loans in Statesville, NC helps Iredell County dentists request equipment financing, term loans for build-outs and practice purchases, and working capital from funding partners. County Business Patterns counted 82 offices of dentists in the county in 2023, with 570 employees. This page covers chairs and imaging, office build-outs, buying a practice and what partners review. - [Electrical Contractors in Statesville, NC: Business Funding Options](https://southwickloans.com/industries/electrical/): Southwick Loans in Statesville, NC helps Iredell County electricians and electrical contractors request working capital, lines of credit and equipment financing from funding partners. County Business Patterns counted 78 electrical contractor employers in the county in 2023, with 823 employees. This page covers material costs, service vans and tools, draw timing on new construction and what partners review. - [Plumbing and HVAC Contractors in Statesville, NC: Business Funding Options](https://southwickloans.com/industries/plumbing-hvac/): Southwick Loans in Statesville, NC helps Iredell County plumbing, heating and air-conditioning contractors request equipment financing, lines of credit and inventory financing from funding partners. County Business Patterns counted 72 plumbing and HVAC employers in the county in 2023. This page covers service vans, parts stock, system installations, maintenance-agreement revenue and what partners review. - [Retail Stores in Statesville, NC: Business Funding Options](https://southwickloans.com/industries/retail/): Southwick Loans in Statesville, NC helps Iredell County retailers request inventory financing, lines of credit and equipment financing from funding partners. County Business Patterns counted 691 retail employers in the county in 2023, the largest sector by employer count, including clothing, furniture, building-material and online stores. This page covers stock, fixtures and the structures partners review. - [Accounting and Bookkeeping Firms in Statesville, NC: Business Funding Options](https://southwickloans.com/industries/accounting-firms/): Southwick Loans in Statesville, NC helps Iredell County CPA firms, tax preparers and bookkeepers request term loans and lines of credit from funding partners. County Business Patterns counted 66 accounting, tax and bookkeeping employers in the county in 2023, two thirds with fewer than five employees. This page covers buying a practice, staffing before filing deadlines and what partners review. - [Machine Shops and Metal Fabricators in Statesville, NC: Business Funding Options](https://southwickloans.com/industries/machine-shops-fabrication/): Southwick Loans in Statesville, NC helps Iredell County machine shops and metal fabricators request equipment financing, inventory financing and lines of credit from funding partners. County Business Patterns counted 62 fabricated metal product manufacturers and 27 industrial machinery repair shops in the county in 2023. This page covers CNC machines, used equipment, raw material and long customer terms. - [Law Firms in Statesville, NC: Business Funding Options](https://southwickloans.com/industries/law-firms/): Southwick Loans in Statesville, NC helps Iredell County law firms request lines of credit, working capital and term loans from funding partners for payroll, office costs and partner buy-ins. County Business Patterns counted 57 legal services employers in the county in 2023, nearly half with a ZIP 28677 address. This page covers the firm's cash cycle and what partners review. ## Guides and calculators - [Statesville, NC Business Funding Guides and Tools](https://southwickloans.com/resources/): Southwick Loans in Statesville, NC keeps a short shelf of guides for Iredell County owners: how NC ABC permit timing fits a restaurant budget, what to check with Statesville planning staff before a lease, where county owners find advising and registration help, and an equipment trailer financing calculator. Rules and charges are left to the agencies and to counsel. - [NC ABC Permits: A Restaurant Funding Checklist for Statesville, NC Owners](https://southwickloans.com/resources/nc-abc-permits-for-restaurants-and-bars/): Southwick Loans in Statesville, NC wrote this checklist for Iredell County restaurant and bar owners planning alcohol service. It does not restate permit rules, types or charges; those come from the state agency and your attorney. It covers how permit timing affects a funding plan, what to gather, questions to ask and how partners look at a project with a permit pending. - [Statesville, NC Zoning & Permits Before You Lease: What Statesville, NC Owners Should Know](https://southwickloans.com/resources/statesville-nc-zoning-and-permits/): Southwick Loans in Statesville, NC put together this pre-lease checklist for Iredell County owners. It explains why a Statesville mailing address does not settle which rules apply, what to ask planning and building staff before signing a commercial lease or buying a building, and how zoning answers change a funding request. Specific rules come from the city and county, not from us. - [Iredell County, NC Small Business Resources: What Statesville, NC Owners Should Know](https://southwickloans.com/resources/iredell-county-small-business-resources/): Southwick Loans in Statesville, NC lists public resources Iredell County owners use: NC SBTDC advising locations, the NC Secretary of State's business registration division, the NC Department of Revenue's business registration page, the SBA's North Carolina district office and the county website. Where we could not confirm an official page, we say so. Southwick has no tie to any organization listed here. - [Equipment Trailer Financing Calculator for Statesville, NC Owners](https://southwickloans.com/resources/equipment-trailer-financing-calculator/): Southwick Loans in Statesville, NC offers this equipment calculator for Iredell County owners pricing a trailer, mower, lift or machine. It computes two things from the price, down payment, rate and term you enter: the monthly payment and the total cost including the down payment. It is a planning tool; partners set actual terms. ## Areas served - [Business Funding in Statesville, North Carolina: Local Data and Next Steps](https://southwickloans.com/statesville-nc/): Southwick Loans works by phone and online from Statesville, NC, and this page gathers the public numbers behind local funding requests: ZIP 28677 and Iredell County employer counts, sector mix, self-employment and building permits, plus official places to register a business. Southwick helps Iredell County owners pick a structure and prepare the request. - [Areas We Serve Around Statesville, NC](https://southwickloans.com/service-areas/): Southwick Loans in Statesville, NC takes business funding requests by phone and online from across Iredell County and neighboring counties. Six towns have their own page with ZIP-level Census figures: Troutman, Mooresville, Catawba, Claremont, Taylorsville and Denver, NC. Other nearby places are listed below; the process is the same wherever the business is located. - [Business Funding for Troutman, NC Businesses](https://southwickloans.com/service-areas/troutman-nc/): Southwick Loans in Statesville, NC takes business funding requests from Troutman, NC by phone and online. ZIP 28166 counted 276 employer establishments in 2023, with construction the most common sector. Southwick helps Troutman owners choose among working capital, equipment financing, lines of credit and the other structures. - [Business Funding for Catawba, NC Businesses](https://southwickloans.com/service-areas/catawba-nc/): Southwick Loans in Statesville, NC takes business funding requests from Catawba, NC by phone and online. ZIP 28609 counted 102 employer establishments in 2023, and 69.6% had fewer than five employees, with construction and other services leading. Southwick helps Catawba owners match a funding structure to the purpose. - [Business Funding for Mooresville, NC Businesses](https://southwickloans.com/service-areas/mooresville-nc/): Southwick Loans in Statesville, NC takes business funding requests from Mooresville, NC by phone and online. ZIP 28117 counted 2,087 employer establishments in 2023, led by professional services, health care and retail. Southwick helps Mooresville owners pick a structure and prepare the file. - [Business Funding for Claremont, NC Businesses](https://southwickloans.com/service-areas/claremont-nc/): Southwick Loans in Statesville, NC takes business funding requests from Claremont, NC by phone and online. ZIP 28610 counted 142 employer establishments with 5,075 employees in 2023, led by construction and manufacturing. Southwick helps Claremont owners match equipment, inventory or working capital requests to funding partners who review them. - [Business Funding for Taylorsville, NC Businesses](https://southwickloans.com/service-areas/taylorsville-nc/): Southwick Loans in Statesville, NC takes business funding requests from Taylorsville, NC by phone and online. ZIP 28681 counted 429 employer establishments in 2023, led by other services, retail and construction. Southwick helps Taylorsville owners choose among equipment financing, working capital and the other structures. - [Business Funding for Denver, NC Businesses](https://southwickloans.com/service-areas/denver-nc/): Southwick Loans in Statesville, NC takes business funding requests from Denver, NC by phone and online. ZIP 28037 counted 936 employer establishments in 2023, led by construction, retail and professional services. Southwick helps Denver owners match a funding structure to the purpose and prepare the request. ## Company - [Statesville, NC Business Funding: Working Capital, Lines of Credit, Equipment and Term Loans](https://southwickloans.com/): Southwick Loans works by phone and online from Statesville, NC, matching Iredell County businesses with funding partners for working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. Funding partners review each request; you decide whether to accept. A call or the short form gets it moving. - [How a Business Funding Request Works in Statesville, NC](https://southwickloans.com/how-it-works/): Southwick Loans in Statesville, NC matches your request with funding partners, who review it and make their own decision. This page sets out the four steps, what lenders commonly look at, which documents to gather and how long each stage depends on. You choose whether to accept any offer. - [Business Funding Questions From Statesville, NC Owners](https://southwickloans.com/faq/): Southwick Loans in Statesville, NC answers the questions Iredell County owners raise before requesting funding: how long approval and underwriting take, what credit score partners look for, which documents to gather and how the partner model works. Southwick Loans matches your request with funding partners, who review it and make their own decision. - [About Southwick Loans, Statesville, NC](https://southwickloans.com/about/): 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. - [Contact Southwick Loans in Statesville, NC](https://southwickloans.com/contact/): Southwick Loans can be reached at (704) 266-1084 or through the short request form, and the mailing address and a map are further down this page. Requests from Statesville and the surrounding Iredell County area are handled by phone and online. The first call covers purpose, timing and which funding structure fits. - [Request Business Funding Options in Statesville, NC](https://southwickloans.com/apply/): Southwick Loans in Statesville, NC takes funding requests through a short form or by phone. The form asks for contact details, an optional company name, three required range picks and consent; documents come later, once a partner is chosen. This page lists the documents partners commonly request so you can prepare. - [Disclosures for Southwick Loans, Statesville, NC](https://southwickloans.com/disclosures/): Southwick Loans in Statesville, NC matches your business funding request with funding partners, who review it and make their own decision. This page covers that role, merchant cash advances, the absence of guarantees, how request details are shared and items awaiting counsel review. ## Optional - [Full text of every page](https://southwickloans.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://southwickloans.com/sitemap.xml)