Cliffbank Lenders, a small-business funding service in Merced, California, serves owners across Merced County by phone and online. We match each request with funding partners that consider that type of business; the partners review, decide and set any terms. This page covers how the model works, where the business is listed and the things we decline to do.
What Cliffbank Lenders does
We arrange business funding; we do not lend. Owners tell us what the money must cover, when it is due and how their deposits come in. We match that request with funding partners whose programs fit, help assemble the records they usually read, and explain any offer in plain terms. The partner makes the credit decision and sets the rate, factor and schedule.
That model is set out step by step on how a request works and in the disclosures.
Where Cliffbank Lenders is listed
The business listing for Cliffbank Lenders is 1721 M St, Merced, CA 95340. Funding requests come in by phone at (209) 509-1962 and through the online form, so owners in Atwater, Livingston, Chowchilla or Turlock can use the same phone line and form as owners in the city. Local figures and record steps are on the Merced, CA figures page, and every way to reach us is on the contact page.
What we will do
- Ask what the money is for before talking about products
- Explain total cost in dollars for every option on the table
- Tell you when a structure does not fit the purpose
- Keep your records to the partners reviewing your request
Things Cliffbank Lenders refuses to do
- Promise a yes, a rate or a date
- Push you toward signing
- Arrange consumer credit: personal, payday, auto title or mortgage loans
- Label a merchant cash advance as a loan
If a funding conversation with anyone, including us, ever involves a request for payment before an offer exists, stop and ask why.
By Cliffbank Lenders · Updated
