# Orchardwood Lending > Orchardwood Lending is a small-business funding broker at 114 N White St, Athens, TN 37303 (phone (423) 436-9111). It helps businesses in Athens, TN; Niota, TN; Englewood, TN and across McMinn County, Tennessee; and in Loudon, TN (Loudon County), explore funding options. Orchardwood Lending is A funding request service in Athens, TN: business term loans, working capital, lines of credit, inventory financing, equipment loans and leases, and merchant cash advances arranged through funding partners. Orchardwood Lending is a loan broker. It passes business funding requests to independent funding partners and does not lend, set terms or make credit decisions. Orchardwood Lending is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Not offered: trucking or freight hauling loans, agriculture or farm funding, startup loans, SBA loans, real estate mortgages, consumer or personal loans. Key facts: - Business type: small-business funding broker (not a lender) - Address: 114 N White St, Athens, TN 37303, United States - Phone: (423) 436-9111 - Apply: https://orchardwoodlending.com/apply/ - Places: Athens, TN; Niota, TN; Englewood, TN and all of McMinn County, Tennessee; also Loudon, TN (Loudon County) - Language: English ## Funding options - [Types of Business Loans for Athens, TN Plants, Machine Shops and Gas Stations](https://orchardwoodlending.com/business-loans/): A side-by-side view of six funding types for McMinn County, TN businesses: secured and unsecured structures, what each one pays for and how it is paid back. Pick the one that matches the purchase, then open its page. - [Working Capital Loans for Athens, TN Plants and Machine Shops: Payroll, Supplies and Slow Weeks](https://orchardwoodlending.com/business-loans/working-capital/): What working capital money pays for in McMinn County, TN plants, shops and practices, how it is repaid, how long it runs and how to compare the funding partners who offer it, with an invented payroll example worked in full. - [Business Term Loans in Athens, TN: Fixed Payments for Plants, Machine Shops and Gas Stations](https://orchardwoodlending.com/business-loans/term-loans/): How a fixed-payment term loan works for McMinn County, TN plants, dealers and restaurants, including a business acquisition, what a down payment depends on and how long-term schedules behave, with invented examples computed in full. - [Business Lines of Credit in Athens, TN for Plants, Machine Shops and Gas Stations](https://orchardwoodlending.com/business-loans/line-of-credit/): How draws, paydowns and renewals work on a business line of credit for McMinn County, TN plants, stations, restaurants and supply stores, with an invented six-month draw schedule and the points to compare between lenders. - [Inventory Financing for Athens, TN Building Supply Stores: Lumber, Parts and Supplier Orders](https://orchardwoodlending.com/business-loans/inventory-financing/): How inventory financing and purchase order financing work for McMinn County, TN supply stores, plants and restaurants, how to choose between inventory financing companies, and an invented three-month stock-up worked line by line. - [Equipment Financing for Athens, TN Restaurants: Loans and Leases by Machine Type](https://orchardwoodlending.com/equipment-financing/): Loans, equipment finance agreements, fair market value leases and used-equipment financing for McMinn County, TN plants, restaurants and gas stations, with invented examples worked in full and a calculator for the monthly payment. - [Merchant Cash Advances in Athens, TN for Plants, Machine Shops and Gas Stations With Card Sales](https://orchardwoodlending.com/merchant-cash-advance/): How a merchant cash advance works for McMinn County, TN businesses with card sales, how it differs from revenue-based financing, and how the factor and holdback set the cost and the collection time, with an invented example worked in full. ## Industries - [Athens, TN Restaurant Loans: Dish Machines, Convection Ovens and Slow-Week Payroll](https://orchardwoodlending.com/industries/restaurants/): How a restaurant in Athens, Tennessee can match each cost to a funding type, with Census restaurant counts for McMinn County, TN and ZIP 37303. - [Athens, TN Business Loans for Retail: Shelving, Display Cases and Supplier Orders](https://orchardwoodlending.com/industries/retail/): Funding notes for Athens, Tennessee stores and dealers: supplier terms, signage, fixtures and a second storefront, with McMinn County, TN and ZIP 37303 retail figures. - [Athens, TN Financing for Contractors: Mini Excavators, Skid Steers and Materials](https://orchardwoodlending.com/industries/construction/): Contractor funding notes for Athens, Tennessee: machines, materials, crew payroll and billing gaps, with McMinn County, TN construction and permit figures from the Census. - [Athens, TN Manufacturing Equipment Financing: Forklifts, Press Brakes and Raw Material Orders](https://orchardwoodlending.com/industries/manufacturing/): Funding notes for Athens, Tennessee plants and machine shops: equipment, line upgrades, raw materials and shift payroll, with McMinn County, TN manufacturing figures. - [Athens, TN Gas Station Financing: POS Systems, Tank Monitors and Fuel Inventory](https://orchardwoodlending.com/industries/gas-stations-convenience-stores/): How an Athens, Tennessee gas station or convenience store can fund movable store equipment, inventory and operating costs, with McMinn County, TN station figures. - [Business Loans by Industry for Athens, TN: From Plants and Machine Shops to Gas Stations](https://orchardwoodlending.com/industries/): Trade-by-trade funding notes for Athens, Tennessee owners, each built on McMinn County, TN employer counts from County Business Patterns 2023 and, where the Census publishes them, Nonemployer Statistics for 2024. ## Tools and calculators - [Athens, TN Small Business Guides for Supply Dealers, Quick-Service Restaurants and Gas Stations](https://orchardwoodlending.com/resources/): Guides for McMinn County, TN owners before a funding request: what to gather, how to prepare, how to outline the business, and where the official state and county offices are. - [Equipment Finance Repayment Calculator for Athens, TN Plants, Shops and Yards](https://orchardwoodlending.com/resources/equipment-finance-loan-repayment-calculator/): Four inputs, three outputs, worked examples for a station store cooler, physician office equipment and a payback check, and what the calculator leaves out. ## Communities near Athens, TN - [Athens, TN Business Loans for Plants and Machine Shops: McMinn County, TN Facts and Local Lenders](https://orchardwoodlending.com/athens-tn/): Where Athens, TN owners can look for a loan, which product fits which purpose, ZIP 37303 sector figures for 2023, and checklists for a lender talk, a property purchase and a commercial lease, all built on McMinn County, TN facts from the Census. - [Business Loans for Places Around Athens, TN: ZIP Counts and Lease Checklists](https://orchardwoodlending.com/service-areas/): Seven places near Athens, TN, each described by its own ZIP Code counts for 2023, and four lease checklists for a business that rents a store, a restaurant or an office. ## Company - [Small Business Loans in Athens, TN for Gas Stations, Quick-Service Restaurants and Supply Yards](https://orchardwoodlending.com/): Orchardwood Lending takes funding requests for McMinn County, TN businesses and passes them to independent funding partners. Six funding types are explained here with what each one pays for and how it is paid back. A partner sets rates and terms; nothing here is an approval or a quote. - [How to Get a Business Loan for Your Athens, TN Manufacturer: From Call to Offer](https://orchardwoodlending.com/how-it-works/): The order of events from first call to written offer for a McMinn County, TN business, with what a business plan can show, the records to gather, how underwriting reads them and how an owner can check the credit inputs before a request. - [Business Loan Questions for Athens, TN Supply Stores, Gas Stations and Plants](https://orchardwoodlending.com/faq/): Answers for McMinn County, TN owners on the points that come up before a funding request, from tax IDs and credit inquiries to buying a company and keeping a credit line open. - [About Orchardwood Lending, an Athens, TN Funding Service for Plants and Machine Shops](https://orchardwoodlending.com/about/): Who Orchardwood Lending is, the office on North White Street, the kinds of places an Athens, TN business can look for a loan, and the steps between a first call and a signed offer. - [Talk With Orchardwood Lending About Financing an Athens, TN Building Supply Store](https://orchardwoodlending.com/contact/): Phone, form and office address for Orchardwood Lending in Athens, TN, plus three sets of questions worth asking about any business loan offer and what to have ready for a first call. - [Business Loan Application for Athens, TN Physician Offices and Auto Repair Shops](https://orchardwoodlending.com/apply/): The request form, the records a funding partner can ask for afterward, the order of steps, and what a bank weighs when an Athens, TN practice or shop applies. - [Disclosures for Orchardwood Lending, Athens, TN](https://orchardwoodlending.com/disclosures/): Orchardwood Lending's role, the funding partners' role, the request form, and the data behind the site. ## Optional - [Full text of every page](https://orchardwoodlending.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://orchardwoodlending.com/sitemap.xml)