Plumbend Lending Group's work is the first conversation with the owner and the handoff to funding partners; whether any offer follows is a partner's decision. The site covers six funding types for operating businesses and leaves out startups without revenue, trucking, agriculture, real estate purchases and building construction loans.
Business funding through a desk that never writes the check: Plumbend's share of a Lincoln County, NC request
Business funding through Plumbend comes in two halves. The first half is Plumbend's: a call or the short request form, a conversation about what the money is for and when it is needed, and a first read on which of the six funding types the need lines up with, whether that is a machine, a payroll gap, a steel order, a standing credit line, a fixed-payment term loan or a card-sales advance.
The second half belongs to funding partners. A partner that takes the request up does its own review, may check credit and may ask for records, then decides whether to make any offer and on what terms. Plumbend does not set those terms and has no say in them.
That split is the reason the pages here show invented payment examples instead of quotes: the only figures that bind anyone are the ones in an offer a partner makes.
Where a Lincoln County, NC metal fabricator can look for a small business loan: the bank, the dealer program or a request desk with several partners
A metal fabricator in Lincoln County, NC pricing a plate roll or a waterjet has several doors to try, and each one suits a different shape of need:
- The shop's own bank or credit union, which already has its deposit record
- The machine dealer's own finance program, which is tied to the machines that dealer sells
- The lender or lessor behind a loan or lease the shop already pays on
- A request desk such as Plumbend, which hands one request to several partners offering equipment loans, leases, credit lines and other funding types
Which door fits depends on the need. A single machine with a dealer quote, a supplier bill due before a customer pays, and a crew payroll each look different on paper, and an owner can try more than one route at once and compare what comes back.
Which Lincoln County, NC businesses can get a small business loan request started here, and which ones cannot
The site is built around operating businesses with sales coming in: machine and fab shops, home builders and trade contractors, auto repair shops, restaurants, stores, landscaping crews, and medical and dental offices, among others. Each can request one of the six funding types, and a partner decides whether to make an offer.
Outside the site:
- A startup that has no revenue yet
- A trucking or freight hauling company, or a farm
- Buying land or a building, and building construction loans
- Work on the building itself, such as roofing, paving, wiring or plumbing
- Personal or household credit
The construction exclusion does not shut contractors out: a home builder or electrician can request equipment or working capital for its jobs. What the site leaves out is a loan to put up a building.
Where to apply for a small business loan through Plumbend: phone, form and the Lincolnton, NC office
Two doors open a Plumbend request: the phone line, (704) 255-5375, and the form on the apply page. The form wants a name, a phone number, an email and the company name, then asks the owner to pick a band for time in business, for annual revenue and for the amount sought. The purpose of the money is a subject for the call.
Plumbend Lending Group's office is at 115 S Academy St, Lincolnton, NC 28092. The contact page lists the phone line and the questions worth settling before the first call, and how it works walks one invented fab shop request through, stage by stage.
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