# Heathbend Credit > Heathbend Credit is a small-business funding broker at 107 Main St N, Minot, ND 58701 (phone (701) 380-9142). It helps businesses in Minot, ND and across Ward County, North Dakota, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Heathbend Credit connects you with lending partners; partners make credit decisions and set rates and terms. Heathbend Credit is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Heathbend Credit does not arrange personal, payday, auto title, mortgage, startup 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: 107 Main St N, Minot, ND 58701, United States - Phone: (701) 380-9142 - Apply: https://heathbendcredit.com/apply/ - Service area: Minot, ND and all of Ward County, North Dakota - Language: English ## Funding options - [Compare Business Funding Options in Minot, North Dakota](https://heathbendcredit.com/business-loans/): For Minot, ND owners, Heathbend Credit sets six business funding options next to each other: working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. The page explains how each is repaid, what it suits and what funding partners commonly review. - [Working Capital Loans for Minot, ND and Ward County, ND Businesses](https://heathbendcredit.com/business-loans/working-capital/): Heathbend Credit helps Minot, ND business owners request working capital loans for payroll, supplier bills and the weeks between finishing work and getting paid. The page explains short and longer terms, what funding partners review, and how working capital compares with a line of credit or a merchant cash advance. - [Business Term Loans for Minot, ND and Ward County, ND Businesses](https://heathbendcredit.com/business-loans/term-loans/): Heathbend Credit helps Minot, ND owners request business term loans for expansion, a second location, renovations and buying an existing business. The page covers what a term loan suits, what funding partners commonly review, how permits affect a build-out timeline, and the questions to settle before applying. - [Business Lines of Credit for Minot, ND and Ward County, ND Businesses](https://heathbendcredit.com/business-loans/line-of-credit/): Heathbend Credit helps Minot, ND owners request business lines of credit for uneven months, recurring payables and payroll bridges. The page explains how a revolving limit works, whether collateral is needed, how it compares with a business credit card, and what funding partners commonly review before setting a limit. - [Inventory Financing for Minot, ND and Ward County, ND Businesses](https://heathbendcredit.com/business-loans/inventory-financing/): Heathbend Credit helps Minot, ND owners request inventory financing for stock bought before it sells: clothing racks, parts rooms, convenience-store shelves and wholesale goods. The page explains how inventory financing works, what carrying costs to count, and what funding partners commonly review. - [Equipment Financing and Leasing for Minot, ND and Ward County, ND Businesses](https://heathbendcredit.com/equipment-financing/): Heathbend Credit helps Minot, ND owners request equipment financing and leasing for used machines, restaurant kitchens, contractor equipment, service trucks and oilfield units. The page explains loans versus leases, what partners want to see on a quote, and how to finance used equipment for a small business. - [Merchant Cash Advances for Minot, ND and Ward County, ND Businesses](https://heathbendcredit.com/merchant-cash-advance/): Heathbend Credit explains merchant cash advances for Minot, ND business owners. A merchant cash advance is not a loan: a provider buys a share of future card or bank receipts at a discount. The page covers factor rates, holdbacks, MCA debt, and how to total the cost before signing. ## Industries - [Business Funding by Industry in Minot, ND](https://heathbendcredit.com/industries/): Heathbend Credit sorts business funding by industry for Minot, ND owners. Short notes cover contractors, restaurants, health practices, daycares, retailers, auto shops, agencies and more, each with a Ward County business count and the funding option that suits its cash cycle. Funding partners look at businesses in most lines of work. - [How Contractors and Builders in Ward County, ND Fund Growth](https://heathbendcredit.com/industries/construction/): Heathbend Credit helps contractors and builders in Minot, ND request funding for materials, payroll between draws, retainage gaps and equipment. The page covers the construction cash cycle, which options fit, what partners commonly review, and Ward County construction figures from the Census. - [How Electrical Contractors in Ward County, ND Fund Growth](https://heathbendcredit.com/industries/electrical/): Heathbend Credit helps electrical contractors in Minot, ND request funding for bucket trucks, boom trucks, wire and switchgear bought ahead of jobs, and payroll between payments. The page covers the electrical cash cycle, matching options, what partners review and Ward County electrical contractor figures. - [How Plumbing and HVAC Contractors in Ward County, ND Fund Growth](https://heathbendcredit.com/industries/plumbing-hvac/): Heathbend Credit helps plumbing, heating and air-conditioning contractors in Minot, ND request funding for service trucks, work vans, stocked parts, replacement equipment bought for jobs, and payroll gaps. The page covers the service-trade cash cycle, matching options, what partners review and Ward County figures. - [How Restaurants in Ward County, ND Fund Growth](https://heathbendcredit.com/industries/restaurants/): Heathbend Credit helps restaurant owners in Minot, ND request funding for commercial kitchen remodels, cooking and refrigeration equipment, dining room renovations and payroll gaps. The page covers the restaurant cash cycle, how to finance a renovation, what partners review, and Ward County full-service and limited-service restaurant figures. - [How Retailers in Ward County, ND Fund Growth](https://heathbendcredit.com/industries/retail/): Heathbend Credit helps retailers in Minot, ND request funding for opening stock, fixtures and point-of-sale systems, store openings and remodels, and the months when sales lag purchases. The page covers boutiques, clothing, hardware and furniture stores, what partners review, and Ward County retail figures. - [How Gas Stations and Convenience Stores in Ward County, ND Fund Growth](https://heathbendcredit.com/industries/gas-stations-convenience-stores/): Heathbend Credit helps gas station and convenience store owners in Minot, ND request funding for fuel loads, store inventory, pump and tank equipment, remodels and station purchases. The page covers the fuel-retail cash cycle, gas station loan requirements, stocking costs and Ward County gas station figures. - [How Chiropractic, Therapy and Optometry Practices in Ward County, ND Fund Growth](https://heathbendcredit.com/industries/chiropractors-and-therapists/): Heathbend Credit helps chiropractors, physical therapists, optometrists and other health practitioners in Minot, ND request funding for treatment and diagnostic equipment, opening or buying a practice, and payroll while insurance reimbursements catch up. The page covers the practice cash cycle and Ward County practitioner figures. - [How Dental Practices in Ward County, ND Fund Growth](https://heathbendcredit.com/industries/dental-practices/): Heathbend Credit helps dentists in Minot, ND request funding for practice acquisitions, new offices, chairs, imaging and other equipment, and remodels. The page covers how dental practices use funding, what a partner reviews for an acquisition, an illustrative equipment example, and Ward County dental office figures. - [How Daycare and Child Care Centers in Ward County, ND Fund Growth](https://heathbendcredit.com/industries/child-care/): Heathbend Credit helps daycare and child care providers in Minot, ND request funding for payroll when tuition or subsidy payments lag, classroom and playground equipment, vans, and expanding or opening a center. The page covers the child care cash cycle, matching options, what partners review and Ward County provider figures. - [How Auto Repair Shops in Ward County, ND Fund Growth](https://heathbendcredit.com/industries/auto-repair/): Heathbend Credit helps auto repair and maintenance shops in Minot, ND request funding for lifts, alignment and diagnostic equipment, parts inventory, tow trucks, working capital and buying an existing shop. The page covers the repair-shop cash cycle, what partners review and Ward County auto repair figures. - [How Insurance Agencies in Ward County, ND Fund Growth](https://heathbendcredit.com/industries/insurance-agencies/): Heathbend Credit helps insurance agencies and agents in Minot, ND request funding for buying a book of business or another agency, hiring producers, office moves and gaps between commission payments. The page explains how acquisition financing works, what partners review and Ward County insurance agency figures. - [How Law Firms in Ward County, ND Fund Growth](https://heathbendcredit.com/industries/law-firms/): Heathbend Credit helps law firms in Minot, ND request funding for case costs, payroll during slow collections, partner buy-ins, office moves and technology. The page covers the law-firm cash cycle, financing options and what partners review, and gives Ward County legal services figures. It is separate from plaintiff case funding. ## Guides and calculators - [Business Funding Guides and Tools for Minot, ND Owners](https://heathbendcredit.com/resources/): Heathbend Credit publishes guides for Minot, ND business owners preparing a funding request: North Dakota trade name registration, the sales tax license, Minot permits and zoning, and a directory of local business help, plus a heavy equipment payment calculator for contractors and oilfield crews. - [North Dakota Trade Name Registration: Matching Your Name Across a Funding File (Minot, ND)](https://heathbendcredit.com/resources/north-dakota-trade-name-registration/): Heathbend Credit explains North Dakota trade name registration for Minot, ND owners from a funding point of view: the difference between a legal name and a trade name, why mismatched names slow a review, and how to search, register and keep a trade name current before requesting funding. - [North Dakota Sales Tax License and Cash Flow for Minot, ND Retailers](https://heathbendcredit.com/resources/north-dakota-sales-tax-license/): Heathbend Credit explains the North Dakota sales tax license for Minot, ND retailers from a cash-flow point of view: why collected sales tax should be kept apart from working cash, how tax remittances appear to a funding partner, and how to look up a license or certificate before a request. - [Minot, ND Building Permits and Zoning: Where Permits Fit a Funding Timeline](https://heathbendcredit.com/resources/minot-nd-building-permits-and-zoning/): Heathbend Credit explains where Minot, ND building permits and zoning fit into a funding timeline for remodels, tenant build-outs and expansions. The guide gives Census permit counts for Ward County, describes an order owners can follow, and points to the City of Minot for the actual rules and maps. - [Small Business Help in Minot, ND and Ward County, ND](https://heathbendcredit.com/resources/minot-small-business-resources/): Heathbend Credit lists where Minot, ND business owners look for help beyond funding: the local chamber and economic development organization, small business development advising, and the City of Minot and Ward County offices. Heathbend Credit is not affiliated with any of them; the guide notes what to ask each one. - [Heavy Equipment Payment Calculator for Minot, ND Contractors and Oilfield Crews](https://heathbendcredit.com/resources/heavy-equipment-payment-calculator/): Heathbend Credit's heavy equipment payment calculator lets Minot, ND contractors and oilfield service crews estimate a monthly payment from an equipment price, a down payment, a term and a rate they enter. It shows total interest and total cost; it is an estimate, not an offer or a rate quote. ## Areas served - [Business Funding in Minot, North Dakota: Ward County, ND Business Facts and Resources](https://heathbendcredit.com/minot-nd/): Heathbend Credit is a Minot, ND service that lines up small-business funding requests for partner review. This page sets out Census business counts for Ward County and ZIP 58701, the leading sectors, what owners buying a business or leasing commercial space should prepare, and how to reach Heathbend Credit by phone or online. - [Areas Served Around Minot, ND](https://heathbendcredit.com/service-areas/): Heathbend Credit is based in Minot, ND and takes business funding requests by phone and online from across Ward County and nearby towns such as Burlington, Velva, Berthold and Surrey. This page lists the towns within about 25 miles, with ZIP-level business counts where Census publishes them. ## Company - [Minot, North Dakota Business Funding: Compare Your Options](https://heathbendcredit.com/): Heathbend Credit is a Minot, ND service that lines up small-business funding requests for partner review. It helps Ward County owners compare working capital, term loans, lines of credit, inventory and equipment financing and merchant cash advances, then routes each request to funding partners who review it and decide. - [How Business Funding Works in Minot, ND: From First Call to Offer](https://heathbendcredit.com/how-it-works/): Heathbend Credit explains how a business funding request moves from first call to offer for Minot, ND owners: the steps, the documents funding partners commonly review, what shapes the timeline, and who makes the decision. Partners review requests, make credit decisions and set any rates and terms. - [Business Funding Questions From Minot, ND Owners](https://heathbendcredit.com/faq/): Heathbend Credit answers business funding questions Minot, ND owners may have: whether a merchant cash advance is a loan, how credit lines affect credit scores, whether equipment financing is a loan, tax questions, and business bank accounts. Funding partners review requests and make their own decisions. - [About Heathbend Credit in Minot, ND](https://heathbendcredit.com/about/): Heathbend Credit is a Minot, ND service that lines up small-business funding requests for partner review. It serves owners across Ward County by phone and online, helping them compare six funding options and sending each request to funding partners who review it, make the decision and set any terms. - [Contact Heathbend Credit in Minot, ND](https://heathbendcredit.com/contact/): Heathbend Credit is a Minot, ND service that lines up small-business funding requests for partner review. Owners can call (701) 380-9142 or use the online request form. Requests from across Ward County are handled by phone and online. Say what the money is for and when it is needed. - [Request Business Funding Options in Minot, ND](https://heathbendcredit.com/apply/): Heathbend Credit takes business funding requests from Minot, ND and Ward County owners through this form. It asks for contact details, a company name if any, and ranges for time in business, annual revenue and the amount needed. A funding partner reviews any request and decides. - [Disclosures for Heathbend Credit, Minot, ND](https://heathbendcredit.com/disclosures/): Heathbend Credit of Minot, ND is a small-business funding service. It matches business owners with funding partners, who review each request, make the credit decision and set any rates and terms. This page explains the arrangement, merchant cash advances, information sharing and what Heathbend Credit cannot promise. ## Optional - [Full text of every page](https://heathbendcredit.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://heathbendcredit.com/sitemap.xml)