# Cliffbank Lenders > Cliffbank Lenders is a small-business funding broker at 1721 M St, Merced, CA 95340 (phone (209) 509-1962). It helps businesses in Merced, CA; Atwater, CA; Livingston, CA; Delhi, CA; Chowchilla, CA; Turlock, CA and across Merced County, California, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Cliffbank Lenders connects you with lending partners; partners make credit decisions and set rates and terms. Cliffbank Lenders is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Cliffbank Lenders does not arrange personal, payday, auto title, mortgage or SBA loans, does not offer grants, and does not arrange trucking funding. Key facts: - Business type: small-business funding broker (not a lender) - Address: 1721 M St, Merced, CA 95340, United States - Phone: (209) 509-1962 - Apply: https://cliffbanklenders.com/apply/ - Service area: Merced, CA; Atwater, CA; Livingston, CA; Delhi, CA; Chowchilla, CA; Turlock, CA and all of Merced County, California - Language: English ## Funding options - [Business Funding Options Compared for Merced, California Owners](https://cliffbanklenders.com/business-loans/): Cliffbank Lenders, a small-business funding service in Merced, California, compares the six options partners offer Merced County businesses: working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. The page covers what each one pays for, how it is repaid, what secures it and what a partner reads before deciding. - [Working Capital Loans for Merced, CA Businesses](https://cliffbanklenders.com/business-loans/working-capital/): Cliffbank Lenders, a small-business funding service in Merced, California, explains working capital loans for Merced County owners: using them to cover payroll while customers take weeks to pay, what they should not pay for, how partners size the amount from bank statements, and whether the loan counts as short-term or long-term. Whoever funds it reviews the file first and writes its own terms. - [Business Term Loans for Merced, CA Businesses](https://cliffbanklenders.com/business-loans/term-loans/): Cliffbank Lenders, a small-business funding service in Merced, California, explains how business term loans work for Merced County owners financing an expansion, a second location, a remodel or a buyout: how amortization splits each payment, what partners may ask for, and how fixed payments compare with a revolving line. Funding partners make every credit decision and set the terms. - [Business Lines of Credit for Merced, CA Businesses](https://cliffbanklenders.com/business-loans/line-of-credit/): Cliffbank Lenders, a small-business funding service in Merced, California, explains business lines of credit for Merced County owners whose costs rise and fall through the year: what a draw period is, how payments are calculated on the drawn balance, using a line for payroll or extra hires, and how it compares with a business credit card. Funding partners review each request and set the terms. - [Inventory Financing for Merced, CA Businesses](https://cliffbanklenders.com/business-loans/inventory-financing/): Cliffbank Lenders, a small-business funding service in Merced, California, explains inventory financing for Merced County grocers, parts stores, boutiques and suppliers: buying stock ahead of demand, how partners value the goods, floor plan financing, and how inventory financing differs from factoring and from a line of credit. Funding partners make each decision and set the terms. - [Equipment Financing and Leasing for Merced, CA Businesses](https://cliffbanklenders.com/equipment-financing/): Cliffbank Lenders, a small-business funding service in Merced, California, explains equipment financing for Merced County businesses: used equipment, restaurant kitchen gear, contractor and construction machines, and the difference between an equipment loan, a lease and an equipment finance agreement. Funding partners review each request, decide and set any terms. - [Merchant Cash Advances (Not a Loan) for Merced, CA Businesses](https://cliffbanklenders.com/merchant-cash-advance/): Cliffbank Lenders, a small-business funding service in Merced, California, explains merchant cash advances for Merced County restaurants and shops: how the holdback percentage works, how a factor sets the amount collected, an illustrative example, whether an advance shows on credit, and how it compares with a line of credit or a loan. An advance is not a loan; partners set its terms. ## Industries - [Business Loans by Industry in Merced, CA](https://cliffbanklenders.com/industries/): Cliffbank Lenders, a small-business funding service in Merced, California, groups Merced County businesses by industry: fourteen dedicated pages and short notes on two dozen more sectors, each with its Census establishment count and the funding options that fit how it takes in cash. Most industries are in scope for partners, and each partner makes its own decision. - [Restaurants in Merced, CA: Funding for Kitchens, Payroll and Food Cost](https://cliffbanklenders.com/industries/restaurants/): Cliffbank Lenders, a small-business funding service in Merced, California, explains restaurant business loans for Merced County full-service and counter-service restaurants: working capital for food cost and payroll, financing for coolers, hoods and POS systems, renovation loans, and when a merchant cash advance comes up. Whoever funds it reviews the file first and writes its own terms. - [Medical Practice Loans in Merced, CA: Claims, Payroll and Equipment](https://cliffbanklenders.com/industries/medical-practices/): Cliffbank Lenders, a small-business funding service in Merced, California, explains medical practice loans for Merced County physician offices and clinics: working capital to cover payroll while insurance claims pay, healthcare equipment financing, expansion and physician practice buy-in loans, and the records partners read. Funding partners make each credit decision and set any terms. - [Contractor Business Loans in Merced, CA for Builders and Remodelers](https://cliffbanklenders.com/industries/construction/): Cliffbank Lenders, a small-business funding service in Merced, California, explains contractor business loans for Merced County home builders, remodelers and commercial builders: construction lines of credit for materials and payroll between draws, working capital for a new contract, and equipment financing. It uses Census counts of local builders and permits. Funding partners decide. - [Auto Repair Shop Loans in Merced, CA: Lifts, Tools and Parts](https://cliffbanklenders.com/industries/auto-repair/): Cliffbank Lenders, a small-business funding service in Merced, California, explains auto repair shop loans for Merced County mechanics and service shops: automotive lift and diagnostic equipment financing, parts inventory, working capital for payroll and fleet accounts, and adding bays. It uses Census counts of local shops. Whoever funds it reviews the file first and writes its own terms. - [Dental Practice Loans in Merced, CA: Chairs, Imaging and Acquisitions](https://cliffbanklenders.com/industries/dental-practices/): Cliffbank Lenders, a small-business funding service in Merced, California, explains dental practice loans for Merced County dentists: practice acquisition and purchase loans, dental equipment financing for chairs and imaging, office build-outs, and working capital while insurance payments lag. It uses Census counts of local dental offices. Funding partners decide and set terms. - [Chiropractic, Physical Therapy and Optometry Funding in Merced, CA](https://cliffbanklenders.com/industries/chiropractic-therapy-optometry/): Cliffbank Lenders, a small-business funding service in Merced, California, explains business loans for Merced County chiropractors, physical therapists, optometrists and other health practitioners: treatment and exam equipment financing, clinic build-outs, buying an existing practice, and working capital. It uses Census counts of local practices. Funding partners decide and set any terms. - [Grocery Store Loans in Merced, CA: Stock, Refrigeration and Remodels](https://cliffbanklenders.com/industries/grocery-stores/): Cliffbank Lenders, a small-business funding service in Merced, California, explains grocery store loans and financing for Merced County markets, meat markets, specialty food stores and convenience stores: inventory financing for stock, refrigeration and checkout equipment, lines of credit and remodels. It uses Census counts of local grocers. Funding partners make each decision. - [Gas Station Loans in Merced, CA: Fuel, Store Stock and Upgrades](https://cliffbanklenders.com/industries/gas-stations/): Cliffbank Lenders, a small-business funding service in Merced, California, explains gas station loans for Merced County station owners: what partners review, financing for fuel and convenience-store inventory, pumps, tanks and canopy upgrades, and how to get funding to buy a station. It uses Census counts of local stations. Funding partners make each decision and set any terms. - [Painting, Drywall and Flooring Contractor Loans in Merced, CA](https://cliffbanklenders.com/industries/painting-and-finishing-contractors/): Cliffbank Lenders, a small-business funding service in Merced, California, explains business loans for Merced County painting, drywall, flooring and tile contractors: working capital for crews and materials, lines of credit for repeat jobs, and financing for sprayers, lifts and floor equipment. It uses Census counts of local finishing contractors. Funding partners make each decision. - [Plumbing and HVAC Business Loans in Merced, CA: Vans, Parts and Payroll](https://cliffbanklenders.com/industries/plumbing-hvac/): Cliffbank Lenders, a small-business funding service in Merced, California, explains plumbing and HVAC business loans for Merced County contractors: service van and equipment financing, parts and equipment stock, lines of credit for installation jobs, and working capital for payroll. It uses Census counts of local plumbing, heating and air-conditioning contractors. Funding partners decide. - [Funding for Accounting, Insurance and Professional Firms in Merced, CA](https://cliffbanklenders.com/industries/accounting-and-professional-firms/): Cliffbank Lenders, a small-business funding service in Merced, California, explains funding for Merced County accounting and tax practices, bookkeepers, insurance agencies and engineering or consulting offices: payroll ahead of billing, lines of credit, office build-outs, and acquiring a practice or book of business. It uses Census counts of local firms. Funding partners decide. - [Landscaping Business Loans in Merced, CA: Mowers, Trailers and Crews](https://cliffbanklenders.com/industries/landscaping/): Cliffbank Lenders, a small-business funding service in Merced, California, explains landscaping business loans for Merced County landscapers and lawn care companies: lawn care equipment financing and loans, trucks and trailers, credit lines for installation materials and crews, and the costs of running a landscaping business. It uses Census counts of local firms. Funding partners decide. - [Retail Store Business Loans in Merced, CA for Shops and Boutiques](https://cliffbanklenders.com/industries/retail/): Cliffbank Lenders, a small-business funding service in Merced, California, explains retail business loans for Merced County clothing stores, boutiques, auto parts and tire stores, pharmacies, building-material dealers and general merchandise stores: inventory financing, credit lines for stock, fixtures and remodels, and when a merchant cash advance comes up. Funding partners decide. - [Food Processing Business Loans in Merced, CA for Plants and Producers](https://cliffbanklenders.com/industries/food-manufacturing/): Cliffbank Lenders, a small-business funding service in Merced, California, explains food processing and manufacturing business loans for Merced County producers: equipment financing for processing and packaging lines, inventory financing for raw materials, working capital while buyers pay on terms, and plant expansion. It uses Census counts of local manufacturers. Funding partners decide. ## Guides and calculators - [Business Funding Guides and Calculators for Merced, CA Owners](https://cliffbanklenders.com/resources/): Cliffbank Lenders, a small-business funding service in Merced, California, keeps plain guides to records funding partners may check: the California seller's permit, the statement of information and good standing, contractor license lookups, City of Merced and Merced County licensing, and local small business help. A loan payment calculator and the blog round it out. - [The California Seller's Permit: A Checklist for Merced, CA Store Owners](https://cliffbanklenders.com/resources/california-sellers-permit/): Cliffbank Lenders, a small-business funding service in Merced, California, explains the California seller's permit for Merced County retailers, grocers, gas stations and other sellers: what the record is, how a seller's permit lookup and verification works, how it differs from a resale certificate, and why it matters in a funding request. Rules and fees are for counsel and the state agency. - [California Statement of Information and Good Standing: What to Check Before a Funding Request](https://cliffbanklenders.com/resources/california-statement-of-information/): Cliffbank Lenders, a small-business funding service in Merced, California, explains the California statement of information and certificate of good standing for Merced County LLCs and corporations: how to search the record, how the statement is filed online, what good standing means in practice, and why a lapsed status can stop a funding request. Deadlines and penalties are for counsel. - [California Contractor License Lookup: What Merced County, CA Contractors Show a Funding Partner](https://cliffbanklenders.com/resources/california-contractor-license-lookup/): Cliffbank Lenders, a small-business funding service in Merced, California, explains the California contractor license lookup for Merced County builders and trade contractors: what the state license record shows, how to check and verify it online, which details partners compare with the rest of the file, and the mismatches worth fixing. Licensing rules themselves are for counsel. - [City of Merced, CA and Merced County, CA Business Licenses: A Funding-Ready Checklist](https://cliffbanklenders.com/resources/merced-ca-business-license-guide/): Cliffbank Lenders, a small-business funding service in Merced, California, explains the local records Merced County businesses keep: City of Merced business licenses and renewals, Merced County licensing for unincorporated areas, fictitious business name filings, and building permit and zoning lookups. It shows why a Merced address is not always inside city limits. - [Merced County, California Small Business Resources: Where to Look for Help](https://cliffbanklenders.com/resources/merced-county-small-business-resources/): Cliffbank Lenders, a small-business funding service in Merced, California, lists the kinds of public small business help Merced County owners can look for: SBDC advising, county economic development, state programs and chambers. Each listing is marked for verification; no affiliation with any of these organizations is implied. - [Gas Station Loan Calculator for Merced, CA Owners](https://cliffbanklenders.com/resources/gas-station-loan-calculator/): This gas station loan calculator from Cliffbank Lenders, a small-business funding service in Merced, California, estimates the monthly payment, total interest and total repaid on an amortizing loan from the amount, annual rate and term you enter. It works for any business term loan, including a station purchase or equipment upgrade. Results are arithmetic, not quotes; partners set terms. ## Areas served - [Merced, California Business Funding: Facts and Resources for Merced County, CA](https://cliffbanklenders.com/merced-ca/): Cliffbank Lenders, a small-business funding service in Merced, California, collects the public figures that matter to Merced County owners asking about funding: employer and nonemployer counts, business size, the leading sectors, and how city limits and ZIP codes differ. It also covers buying a business, leasing or buying commercial space, and the local record steps partners may ask about. - [Areas Served Around Merced, CA](https://cliffbanklenders.com/service-areas/): Cliffbank Lenders, a small-business funding service in Merced, California, serves businesses across Merced County and nearby towns by phone and online. This page links the five town pages, Atwater, Livingston, Delhi, Chowchilla and Turlock, and gives short, sourced notes on smaller places such as Planada, Winton, Le Grand, Denair, Dos Palos and La Grange. - [Business Funding for Atwater, CA Businesses](https://cliffbanklenders.com/service-areas/atwater-ca/): Cliffbank Lenders, a small-business funding service in Merced, California, serves Atwater, CA businesses by phone and online. This page gives ZIP 95301 figures by sector, the town's self-employment estimate, notes on Atwater business license renewal and commercial space, and the funding options that fit the town's leading sectors. Funding partners make the credit decisions. - [Business Funding for Livingston, CA Businesses](https://cliffbanklenders.com/service-areas/livingston-ca/): Cliffbank Lenders, a small-business funding service in Merced, California, serves Livingston, CA businesses by phone and online. This page sets out ZIP 95334 figures, including how many employers have fewer than five people, the town's self-employment estimate, how to check a Livingston business license, and which funding options suit small retail, health and food businesses. - [Business Funding for Delhi, CA Businesses](https://cliffbanklenders.com/service-areas/delhi-ca/): Cliffbank Lenders, a small-business funding service in Merced, California, serves businesses in Delhi, California, an unincorporated community in Merced County, by phone and online. This page covers ZIP 95315 figures, a self-employment estimate with its margin of error, the county's role in licensing for unincorporated places, and the funding options that fit. - [Business Funding for Chowchilla, CA Businesses](https://cliffbanklenders.com/service-areas/chowchilla-ca/): Cliffbank Lenders, a small-business funding service in Merced, California, serves Chowchilla, CA businesses by phone and online. Chowchilla is in Madera County, not Merced County, so this page uses only ZIP 93610 and city figures: employer counts by sector, the share of very small firms, the self-employment estimate, and business license renewal notes. - [Business Funding for Turlock, CA Businesses](https://cliffbanklenders.com/service-areas/turlock-ca/): Cliffbank Lenders, a small-business funding service in Merced, California, serves Turlock, CA businesses by phone and online. Turlock is in Stanislaus County, so this page uses ZIP 95380 and city figures only: employer counts and sectors, the self-employment estimate, business license renewal notes, and funding for buying an existing Turlock business or commercial space. ## Company - [Business Funding for Merced, CA Companies: Compare Your Options](https://cliffbanklenders.com/): Cliffbank Lenders, a small-business funding service in Merced, California, helps owners across Merced County compare six options: working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances, which are not loans. You call or send the online form, we match the request with funding partners, and the partner reviewing it decides and sets any terms. - [How Business Funding Works for Merced, CA Owners](https://cliffbanklenders.com/how-it-works/): Cliffbank Lenders, a small-business funding service in Merced, California, lays out how a funding request moves for Merced County owners: the first call, the documents partners may ask for, how underwriting works, what affects timing, and the questions to ask before signing. Cliffbank Lenders matches requests with funding partners, who review them and make their own decisions. - [Business Funding Questions From Merced, CA Owners](https://cliffbanklenders.com/faq/): Cliffbank Lenders, a small-business funding service in Merced, California, answers funding questions for Merced County owners: whether a loan can pay the owner, whether LLCs and sole proprietors qualify, when collateral is required, how applications touch personal credit, and paying off early. Requests are matched with funding partners, who review them and make their own decisions. - [About Cliffbank Lenders, Merced, CA](https://cliffbanklenders.com/about/): 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. - [Contact Cliffbank Lenders in Merced, CA](https://cliffbanklenders.com/contact/): Owners reach Cliffbank Lenders, a small-business funding service in Merced, California, by phone at (209) 509-1962 or through the online request form. Its business listing and a map are on this page. Requests from anywhere in Merced County are handled by phone and online, and funding partners make the credit decisions. - [Request Business Funding Options in Merced, CA](https://cliffbanklenders.com/apply/): Cliffbank Lenders, a small-business funding service in Merced, California, takes funding requests from Merced County businesses through this form or by phone. The form asks for your full name, phone, email, company name (optional), time in business, annual revenue range and requested amount range, plus consent. A call follows; partners make any credit decision. - [Disclosures for Cliffbank Lenders, Merced, CA](https://cliffbanklenders.com/disclosures/): 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. ## Optional - [Full text of every page](https://cliffbanklenders.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://cliffbanklenders.com/sitemap.xml)