# Drifthaven Business Capital

> Drifthaven Business Capital is a small-business funding broker at 1580 W Michigan St, Sidney, OH 45365 (phone (937) 588-8988). It helps businesses in Sidney, OH and across Shelby County, Ohio; and in Piqua, OH (Miami County), Tipp City, OH (Miami County) and West Milton, OH (Miami County), explore equipment financing, working capital loans, business term loans, lines of credit, inventory financing and merchant cash advances for operating businesses. Drifthaven Business Capital is a broker, not a lender: it passes a funding request to funding partners, and each partner reviews the request and makes its own decision. Drifthaven Business Capital is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Drifthaven Business Capital does not arrange funding for trucking companies, freight hauling, agriculture, startups without revenue, real estate purchases or building construction loans, and is not a lender.

Key facts:
- Business type: small-business funding broker (not a lender)
- Address: 1580 W Michigan St, Sidney, OH 45365, United States
- Phone: (937) 588-8988
- Apply: https://drifthavenbusinesscapital.com/apply/
- Places: Sidney, OH and all of Shelby County, Ohio; also Piqua, OH (Miami County), Tipp City, OH (Miami County) and West Milton, OH (Miami County)
- Language: English

## Funding options
- [Types of Business Loans in Sidney, OH: Six Ways to Pay a Fabrication Shop's Bills](https://drifthavenbusinesscapital.com/business-loans/): Six products can carry a Sidney, OH fabrication shop's bills for steel, tooling, payroll and machines: a term loan, equipment financing, a working capital loan, a credit line, inventory financing or a card-sales advance. The merchant cash advance is not a loan, and equipment financing can be written as a lease instead of a loan. An offer with a lower rate can still cost more interest when it runs more months. Every figure in the cases below is invented.
- [Working Capital Loans for Sidney, OH Auto Repair Shops and Machine Shops: Paying for Technician Tools](https://drifthavenbusinesscapital.com/business-loans/working-capital/): A working capital loan covers an operating cost, not a long-lived asset, and is repaid over months. The cases on this page are invented: a deposit-sized loan for tooling, a builder's wage gap, a premium, a repair bill schedule and two offers compared by total cost.
- [Business Term Loans in Sidney, OH: Paying Off a Used CNC Machine on a Fixed Schedule](https://drifthavenbusinesscapital.com/business-loans/term-loans/): One lump sum, one fixed schedule: that is the whole structure of a term loan. A larger down payment lowers both the payment and the interest; a longer term lowers the payment and raises the interest. Every figure in the cases is invented and computed from the rounded payment.
- [Sidney, OH Business Lines of Credit: Drawing for Steel and Tooling, Paying Down After Shipments](https://drifthavenbusinesscapital.com/business-loans/line-of-credit/): Interest on a credit line runs on the dollars a shop has drawn; the untouched part of the limit carries none. The invented cases follow three steel buys, payroll draws while a customer pays on net 45, and a repair bill paid down over three months.
- [Inventory Financing for Sidney, OH Auto Repair Shops and Machine Shops: Planning for Parts Inventory](https://drifthavenbusinesscapital.com/business-loans/inventory-financing/): Inventory financing pays for goods a business holds before they sell or go into a job, and the goods can serve as the security. The worked order on this page is invented: 65% of a $21,400 parts order funded at 13.8% a year and paid down over five months. Repair bills, tooling that wears out in weeks and payroll belong on other funding types.
- [Sidney, OH Equipment Financing: A Laser Screed, a CNC Tube Bender and Leased Copiers](https://drifthavenbusinesscapital.com/equipment-financing/): Equipment financing spreads a machine's price over a term, with the machine as security; a lease does the same while the lessor keeps ownership. The screed, tube bender and racking cases on this page use invented figures computed from rounded payments. Work on the building that houses a machine is property work outside this site.
- [Sidney, OH Merchant Cash Advances: How a Sit-Down Restaurant's Card Sales Cover an Insurance Premium](https://drifthavenbusinesscapital.com/merchant-cash-advance/): With a merchant cash advance the provider buys card sales the business has not made yet, so the advance is not a loan. Its cost is a factor fixed at signing, and the daily holdback decides how long collection takes. In the invented restaurant case on this page, a 1.27 factor on a $17,600 advance means $22,352.00 collected.

## Industries
- [Sidney, OH Restaurant Loans for Family Diners: Prep Tables, a Delivery Van and a Second Dining Room](https://drifthavenbusinesscapital.com/industries/restaurants/): This page prices two prep tables and an ice machine for a family diner, sets three terms side by side, weighs cash against financing for a second dining room and lines up a van payment with a payroll loan, all with invented figures. Shelby County, OH restaurant counts come from the Census.
- [Sidney, OH Medical Practice Loans for Exam-Room Equipment, EHR Hardware and Claim Delays](https://drifthavenbusinesscapital.com/industries/medical-practices/): A records list for an exam-room request, a diagnostic device order, a claims aging table, two ways to pay for EHR hardware and a new-versus-refurbished device comparison, worked with invented figures, plus Shelby County, OH physician office counts.
- [Sidney, OH Business Loans for Retailers: Credit Line Draws, End Caps and an Auto Parts Reorder](https://drifthavenbusinesscapital.com/industries/retail/): A credit line paid down from four weeks of sales, a shelving order, an auto parts reorder and a fixture records list, each worked with invented figures, plus Shelby County, OH retail counts from the Census.
- [Financing for Contractors in Sidney, OH: A Mini Excavator, a Crew Pickup and Ready-Mix Before the Pay Application Clears](https://drifthavenbusinesscapital.com/industries/construction/): A machine and pickup on one request, a payroll comparison table, two line draws on one house, a progress-billing payroll count and a truck records list, worked with invented figures, plus Shelby County, OH construction counts and permit totals.
- [Manufacturing Equipment Financing in Sidney, OH: A CNC Plasma Table, a Band Saw and Steel Plate for a Blanket Order](https://drifthavenbusinesscapital.com/industries/manufacturing/): A plasma table and band saw request, setup costs for a new part number, steel plate paid down by release, a records list and a long-terms invoice, all with invented figures, plus Shelby County, OH manufacturing counts and payroll.
- [Insurance Agency Loans in Sidney, OH: Producer Payroll, Agency Software and Commission Chargebacks](https://drifthavenbusinesscapital.com/industries/insurance-agencies/): Producer payroll before new commissions, Shelby County, OH agency counts, a software conversion on a term loan, a chargeback draw and a cost-to-funding table, with invented figures for every example.
- [Business Loans by Industry in Sidney, OH, With Shelby County, OH Counts for Six Trades](https://drifthavenbusinesscapital.com/industries/): This page pairs trades in Sidney, OH and Shelby County, OH with the funding types that fit their costs: machines, shelf stock, payroll gaps and office equipment. A table sets 2023 County Business Patterns counts for the trades with pages side by side, and short notes cover lodging, dental offices, beauty salons, gyms, child day care, landscaping and auto repair.

## Tools and calculators
- [Small Business Resources in Sidney, OH for Machine Shops: Payment Math, Records and Official Sites](https://drifthavenbusinesscapital.com/resources/): Planning tools for Sidney, OH owners: the CNC and press brake loan calculator, the records that explain a supplier-payment gap, a one-page payroll plan worked with invented figures, and the official websites of the city of Sidney, OH and Shelby County, OH.
- [CNC and Press Brake Loan Calculator for Sidney, OH Shops](https://drifthavenbusinesscapital.com/resources/cnc-and-press-brake-loan-calculator/): Price, optional cash down, a test rate and the months go in; the payment each month, the interest over the term and the all-in cost come out. Depreciation and year-by-year balances are worked by hand on this page with invented figures; the calculator does not compute them.

## Sidney, OH and nearby communities
- [Sidney, OH Business Loans: From Parts Washers to Payroll](https://drifthavenbusinesscapital.com/sidney-oh/): Drifthaven Business Capital, at 1580 W Michigan St in Sidney, OH, passes a business funding request to partners who review it and decide. This page sets Shelby County, OH employer size classes beside invented cases: a laser marker a customer asks for, shelf stock at a repair shop, a restaurant freezer and fryer, a grinder still being paid off when a lease ends, and a compressor rebuild.
- [Business Loans in Piqua, OH: Lease Deposits, Store Fixtures and Payroll During a Move](https://drifthavenbusinesscapital.com/service-areas/piqua-oh/): Figures here are for ZIP 45356 and the city of Piqua, OH, in Miami County, OH. Invented cases cover payroll during a machine shop move, the interest on a borrowed lease deposit, store fixtures at a lease renewal, and the landlord questions that set the dates and amounts of a relocation.
- [Business Loans Around Sidney, OH: Fleet Contract Parts, Lease Checklists and Restaurant Payroll](https://drifthavenbusinesscapital.com/service-areas/): Places near Sidney, OH, by ZIP: Piqua, OH with a page of its own, the village of West Milton, OH, and the Shelby County, OH villages of Anna, Fort Loramie and Botkins. The page adds a relocation lease checklist, an office lease renewal, what a landlord may require, and a restaurant payroll case.

## Company
- [Small Business Loans in Sidney, OH: From a Tooling Quote to Payroll Before an Order Ships](https://drifthavenbusinesscapital.com/): Six funding types are available through this site, from term loans to merchant cash advances. Funding partners receive each request and write their own terms. The worked cases on this page use invented figures, computed so a reader can check them.
- [Getting a Business Loan in Sidney, OH: What a Shop Brings to the Call and What a Partner Decides](https://drifthavenbusinesscapital.com/how-it-works/): Every Sidney, OH request opens with a phone call or the request form and ends with a funding partner's answer; Drifthaven itself writes no offers. Requirements are the partner's own; this page lists what may come up so a shop can gather it ahead of time.
- [Business Loan Basics for Sidney, OH Owners: Credit Checks, Collateral and Time in Business](https://drifthavenbusinesscapital.com/faq/): Credit checks, collateral and time-in-business minimums are set by each funding partner. Questions about deducting interest go to the business's tax preparer. Sidney, OH requests go to funding partners, who review them and decide.
- [A Closer Look at Drifthaven Business Capital: Small Business Funding Help in Sidney, OH](https://drifthavenbusinesscapital.com/about/): A Sidney, OH request reaches Drifthaven by phone or form, and Drifthaven hands it on to funding partners. A partner sets any amount, rate and term and makes the decision; the owner reads any offer and chooses.
- [Talking to Drifthaven Business Capital: the Sidney, OH Phone Line, the Request Form and the Office](https://drifthavenbusinesscapital.com/contact/): Call (937) 588-8988 or use the request form on the apply page; the office is at 1580 W Michigan St, Sidney, OH 45365. Questions about a business loan's cost, payoff and payment dates can be raised on the call.
- [How to Apply for Business Funding Through Drifthaven Business Capital From a Sidney, OH Shop or Office](https://drifthavenbusinesscapital.com/apply/): The form takes contact details, time in business, annual revenue and the amount requested; the purpose is talked through by phone. Funding partners review each request, may ask for documents and may check credit, and each partner decides on its own.
- [What Drifthaven Business Capital Is and Is Not: Sidney, OH Disclosures](https://drifthavenbusinesscapital.com/disclosures/): 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.

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