Drifthaven is a broker, not a lender. Funding partners review requests, set any terms and decide. A merchant cash advance is a sale of future card receipts, not a loan. Figures on this site come from Census sources or are invented examples.
A broker's role: Drifthaven hands each Sidney, OH request to funding partners
Drifthaven Business Capital is a broker, not a lender. It does not lend money, take deposits or fund advances. A request made by phone or through the form is passed to one or more funding partners, and any funding comes from a partner under that partner's own agreement.
Offers, declines, rates and terms come from the partner alone
Each funding partner reviews a request under its own standards and may check credit during that review. The partner decides whether to make an offer and sets the amount, the rate or factor, the term, the fees and any collateral. Whether a request leads to an offer is up to the partner, and Drifthaven does not set or change a partner's terms.
Card-sales advances: a sale of future receipts, collected by holdback, not a loan
A merchant cash advance is not a loan. The provider buys a share of a business's future card sales for a set amount, fixed by a factor, and collects it as a holdback from card receipts until that amount has been collected. It carries no annual interest rate in the loan sense, so its cost is read from the total amount collected and how long collection may take.
Where the figures on Drifthaven pages come from
Local figures come from U.S. Census Bureau programs and name the program and year: County Business Patterns 2023, ZIP Code Business Patterns 2023, Nonemployer Statistics 2024, the American Community Survey 2020-2024 5-year estimates and the Building Permits Survey 2025. Every amount, rate and term in a worked case is invented, labeled as an illustration and computed from the figures shown, and the calculator returns a level monthly payment from the inputs a visitor enters. None of it is a quote or an offer.
Funding outside the six Drifthaven types: real estate, building construction and excluded industries
This site does not arrange funding for trucking companies or freight hauling, agriculture, startups without revenue, real estate purchases or building construction loans, and it does not handle personal or consumer loans. Work on a building itself, such as a roof, structural changes, plumbing, wiring or HVAC systems, is property work outside the equipment and working capital described here.
Reading a partner's offer line by line before signing
Before accepting an offer, an owner can check the amount funded after any fees, the annual rate or the factor, the number and timing of payments, the total of all payments or the total amount collected, any prepayment terms, any personal guarantee or lien, and what happens if a payment is missed. An accountant or attorney can review the agreement; Drifthaven is not a party to it.
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