The broker role, who makes offers, how card-sales advances differ from loans, and where the site figures come from.
Where a Paducah, KY funding request goes after Lindenspring reads it
Lindenspring Business Loans acts as a broker. It funds no request itself and makes no loans or advances; it passes each request to partner lenders and providers, and every one of them reviews it under its own standards.
Offers, pricing and decisions belong to each funding partner
Any offer, with its amount, rate or factor, term, payment schedule and conditions, comes from the funding partner that makes it. Sending a request does not mean an offer will follow, and Lindenspring Business Loans does not set or change a partner’s terms.
Merchant cash advances: a purchase of future card sales
A merchant cash advance is a purchase of a share of future card or bank sales, not a loan. Providers collect the purchased amount as a share of sales; a factor rate is not an annual rate, and the calculator on this site turns it into an estimated annual figure for comparison only.
Census figures, invented examples and calculators on Lindenspring pages
Business counts on this site come from the U.S. Census Bureau (County Business Patterns, ZIP Code Business Patterns, Nonemployer Statistics and the American Community Survey), each with its program and year. Worked examples are labeled as invented figures; they are arithmetic, not quotes or offers.
By Lindenspring Business Loans · Updated