Cliffbank Lenders, a small-business funding service in Merced, California, sets out its disclosures here: it matches requests with funding partners, who review them and make their own decisions; merchant cash advances are not loans; and every local figure on the site cites a public source and year. Specific legal disclosures are reviewed by counsel.
Cliffbank Lenders' role in a request
Cliffbank Lenders is a broker, not a lender. It does not make loans, approve applications, set rates or fund advances. It matches business funding requests with third-party funding partners, who make their own credit decisions.
Cliffbank Lenders connects you with lending partners; partners make credit decisions and set rates and terms.
No promise of approval, rate or timing
No page here is an offer of credit. Approval, amounts, rates, factors, fees and timing are set by funding partners after their own review, and a request may be declined. Examples on this site are labeled illustrations, not quotes.
Merchant cash advances
A merchant cash advance is a purchase of future receipts, not a loan. Its cost is expressed as a factor, it is remitted from sales, and early collection may not reduce what is owed.
Sources for every local figure
Local figures come from the U.S. Census Bureau: County Business Patterns and ZIP Business Patterns (2023, employer establishments), Nonemployer Statistics (2024), the American Community Survey 2020-2024 five-year estimates, and the Building Permits Survey (2023-2025). Employer and nonemployer counts come from different programs and years and are never added together. ZIP figures describe a postal ZIP area, not a city's limits.
Contact
Questions about these disclosures: (209) 509-1962. The footer links the privacy policy and terms of use.
By Cliffbank Lenders · Updated