# Crestford Lending > Crestford Lending is a small-business funding broker at 315 W 4th St, Waterloo, IA 50701 (phone (319) 340-8656). It helps businesses in Waterloo, IA; Evansdale, IA; Cedar Falls, IA; Independence, IA; Vinton, IA; Waverly, IA and across Black Hawk County, Iowa, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Crestford Lending connects you with lending partners; partners make credit decisions and set rates and terms. Crestford Lending is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Crestford Lending does not arrange personal, payday, auto title, mortgage or SBA loans, does not offer grants, and does not arrange funding for agriculture or trucking. Key facts: - Business type: small-business funding broker (not a lender) - Address: 315 W 4th St, Waterloo, IA 50701, United States - Phone: (319) 340-8656 - Apply: https://crestfordlending.com/apply/ - Service area: Waterloo, IA; Evansdale, IA; Cedar Falls, IA; Independence, IA; Vinton, IA; Waverly, IA and all of Black Hawk County, Iowa - Language: English ## Funding options - [Business Funding Options Compared for Waterloo, Iowa Owners](https://crestfordlending.com/business-loans/): Six ways to fund a Black Hawk County business sit side by side here: working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. Crestford Lending, a small-business funding broker in Waterloo, Iowa, explains each one and sends requests to lending partners, which decide and set the terms. - [Working Capital Financing in Waterloo, Iowa: Uses, Trade-Offs and What Partners Check](https://crestfordlending.com/business-loans/working-capital/): Working capital financing is short-term business funding repaid in fixed installments, used for payroll, rent and supplier bills while receivables catch up. Crestford Lending, a small-business funding broker in Waterloo, Iowa, explains how it is sized and repaid and routes requests to lending partners, which decide and set rates and terms. - [Business Term Loans in Waterloo, Iowa: Uses, Trade-Offs and What Partners Check](https://crestfordlending.com/business-loans/term-loans/): A business term loan is a lump sum repaid in scheduled installments over a fixed term, used for remodels, expansions, large purchases and refinancing. Crestford Lending, a small-business funding broker in Waterloo, Iowa, explains amortization, balloons and covenants and routes requests to lending partners, which decide and set rates and terms. - [Business Lines of Credit in Waterloo, Iowa: Uses, Trade-Offs and What Partners Check](https://crestfordlending.com/business-loans/line-of-credit/): A business line of credit is a borrowing limit a business draws on as costs arise and repays as cash arrives, with interest usually charged only on the drawn balance. Crestford Lending, a small-business funding broker in Waterloo, Iowa, explains draws, revolving and non-revolving lines and routes requests to lending partners, which decide and set terms. - [Inventory Financing in Waterloo, Iowa: Uses, Trade-Offs and What Partners Check](https://crestfordlending.com/business-loans/inventory-financing/): Inventory financing is business funding used to buy stock ahead of sales, typically secured by that inventory and recorded with a UCC filing. Crestford Lending, a small-business funding broker in Waterloo, Iowa, explains how partners value stock and compares the option with lines of credit and factoring, then routes requests to lending partners, which decide and set terms. - [Equipment Financing and Leasing in Waterloo, Iowa: Uses, Trade-Offs and What Partners Check](https://crestfordlending.com/equipment-financing/): Equipment financing funds the purchase or lease of business equipment, secured by the equipment itself. Crestford Lending, a small-business funding broker in Waterloo, Iowa, explains loans, leases and equipment finance agreements for contractors, restaurants and clinics, and routes requests to lending partners, which decide and set rates and terms. - [Merchant Cash Advances in Waterloo, Iowa: Uses, Trade-Offs and What Partners Check](https://crestfordlending.com/merchant-cash-advance/): A merchant cash advance is not a loan but a purchase of a business's future receivables, collected through a holdback on sales or fixed debits. Crestford Lending, a small-business funding broker in Waterloo, Iowa, explains holdbacks, factor rates, reconciliation and stacking, and routes requests to funders, which decide and set every term. ## Industries - [Business Financing by Industry in Waterloo, IA](https://crestfordlending.com/industries/): Crestford Lending, a small-business funding broker in Waterloo, Iowa, works with construction firms, restaurants, medical and dental practices and retailers across Black Hawk County. This page sets each sector's Census counts beside the funding routes that suit its cash cycle. Partners make every credit decision and set the price. - [Contractor and Construction Financing in Waterloo, Iowa: Needs, Options and What Partners Check](https://crestfordlending.com/industries/construction/): Crestford Lending, a small-business funding broker in Waterloo, Iowa, helps Black Hawk County contractors compare working capital, lines of credit and equipment financing. The county had 254 construction employer establishments in 2023 and 716 no-payroll construction businesses in 2024 (Census). Lending partners alone decide and price. - [Restaurant and Food Service Financing in Waterloo, Iowa: Needs, Options and What Partners Check](https://crestfordlending.com/industries/restaurants/): Crestford Lending, a small-business funding broker in Waterloo, Iowa, helps restaurant owners compare working capital, lines of credit and equipment financing for kitchens, POS systems and remodels. Black Hawk County had 278 food service and drinking place employer establishments in 2023 (Census). Lending partners decide on and price each request. ## Guides and calculators - [Business Funding Guides and Calculators for Waterloo, IA Owners](https://crestfordlending.com/resources/): Crestford Lending, a small-business funding broker in Waterloo, Iowa, publishes guides on Iowa UCC lien searches, Iowa biennial reports and business records, building permits before a Waterloo build-out and free Cedar Valley help, plus a loan cost calculator. Approval and pricing sit with lending partners, never with Crestford Lending. - [Iowa UCC Filings: How Waterloo, IA Owners Search for Liens Before Borrowing](https://crestfordlending.com/resources/iowa-ucc-search/): This guide explains how owners in Waterloo, Iowa and the Cedar Valley search Iowa UCC filings for liens against their business, how to read the results, and what to do about stale or incorrect filings. Crestford Lending, a small-business funding broker in Waterloo, Iowa, routes requests to lending partners, which decide and set terms. - [Iowa Biennial Report and Business Records: Keep Your Waterloo, IA Business in Good Order Before Funding](https://crestfordlending.com/resources/iowa-biennial-report-and-business-search/): This guide shows Waterloo, Iowa owners how to check their business entity record and biennial report status, line up the legal name across documents, and fix gaps before applying for funding. Crestford Lending, a small-business funding broker in Waterloo, Iowa, routes requests to lending partners, which make credit decisions and set terms. - [Free Small Business Help for Waterloo, IA and Cedar Falls, IA Owners](https://crestfordlending.com/resources/cedar-valley-small-business-resources/): This directory lists the kinds of free help available to owners in Waterloo, Cedar Falls and the wider Cedar Valley of Iowa, from small business advisers to economic development and county offices. Crestford Lending, a small-business funding broker in Waterloo, Iowa, is not affiliated with any of them; lending partners make credit decisions and set terms. - [Building Permits and Zoning in Waterloo, Iowa: A Build-Out Checklist for Funding Timelines](https://crestfordlending.com/resources/waterloo-ia-building-permits-before-a-build-out/): This checklist walks Waterloo, Iowa owners through the steps of a commercial build-out, from lease and zoning to permits and inspections, and shows where funding decisions fit. Crestford Lending, a small-business funding broker in Waterloo, Iowa, routes requests to lending partners, which make credit decisions and set rates and terms. - [What Would a Business Loan Cost? Payment and Total-Interest Calculator for Waterloo, IA Owners](https://crestfordlending.com/resources/business-loan-cost-calculator/): This business loan cost calculator estimates the monthly payment, total interest and total amount repaid on a loan from the amount, annual rate and term you enter. Crestford Lending, a small-business funding broker in Waterloo, Iowa, provides it for planning only; lending partners make credit decisions and set actual rates and terms. ## Areas served - [Business Funding in Waterloo, Iowa: What Black Hawk County, IA Data Shows](https://crestfordlending.com/waterloo-ia/): Crestford Lending, a small-business funding broker in Waterloo, Iowa, works from 315 W 4th St in Black Hawk County, which had 3,105 employer establishments in 2023 and 8,500 no-payroll businesses in 2024 (U.S. Census Bureau). It explains six funding routes and refers requests to lending partners, which make credit decisions and set rates and terms. - [Areas We Serve Around Waterloo, IA](https://crestfordlending.com/service-areas/): Crestford Lending, a small-business funding broker in Waterloo, Iowa, works with owners in Waterloo, Evansdale and Cedar Falls in Black Hawk County, Independence in Buchanan County, Vinton in Benton County, Waverly in Bremer County, and smaller nearby towns, by phone and online. Lending partners handle every decision and set the terms. - [Business Financing in Evansdale, Iowa](https://crestfordlending.com/service-areas/evansdale-ia/): Crestford Lending, a small-business funding broker in Waterloo, Iowa, helps Evansdale owners over the phone and through its online request. ZIP 50707, which includes Evansdale, had 101 employer establishments in 2023 (Census ZBP), led by retail trade. Crestford Lending explains funding routes; lending partners decide and set terms. - [Business Financing in Cedar Falls, Iowa](https://crestfordlending.com/service-areas/cedar-falls-ia/): Crestford Lending, a small-business funding broker in Waterloo, Iowa, takes calls and online requests from Cedar Falls owners. ZIP 50613 had 1,137 employer establishments in 2023 (Census ZBP), led by retail, food service and health care. Crestford Lending explains funding routes; lending partners decide and set terms. - [Business Financing in Independence, Iowa](https://crestfordlending.com/service-areas/independence-ia/): Crestford Lending, a small-business funding broker in Waterloo, Iowa, works with Independence owners in Buchanan County by phone and online. ZIP 50644 had 271 employer establishments in 2023 (Census ZBP), 49.8 percent with fewer than five employees. Lending partners, not Crestford Lending, rule on each file and price it. - [Business Financing in Vinton, Iowa](https://crestfordlending.com/service-areas/vinton-ia/): Crestford Lending, a small-business funding broker in Waterloo, Iowa, works with Vinton owners in Benton County by phone and online. ZIP 52349 had 185 employer establishments in 2023 (Census ZBP), 53.5 percent with fewer than five employees. Credit calls and pricing stay with lending partners. - [Business Financing in Waverly, Iowa](https://crestfordlending.com/service-areas/waverly-ia/): Crestford Lending, a small-business funding broker in Waterloo, Iowa, works with Waverly owners in Bremer County by phone and online. ZIP 50677 had 313 employer establishments in 2023 (Census ZBP), led by health care. Crestford Lending explains funding routes; lending partners decide and set rates and terms. ## Company - [Waterloo, Iowa Business Funding Broker, Not a Lender](https://crestfordlending.com/): Crestford Lending, a small-business funding broker in Waterloo, Iowa, has no money of its own in any deal. From 315 W 4th St it helps Black Hawk County owners sort through working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances, then passes the request to lending partners, which decide and set all rates and terms. Call (319) 340-8656. - [How Business Funding Works With a Waterloo, IA Broker](https://crestfordlending.com/how-it-works/): Crestford Lending, a small-business funding broker in Waterloo, Iowa, works in four steps: learn the purpose, match a funding type, pass the request to lending partners that offer it, and help the owner compare any offer. Partners underwrite, decide and set rates and terms; Crestford Lending never approves or prices funding. - [Business Funding Questions From Waterloo, IA Owners](https://crestfordlending.com/faq/): Crestford Lending, a small-business funding broker in Waterloo, Iowa, answers common owner questions here: using business funding to pay yourself, personal versus business loans, whether an LLC can borrow, what Iowa records partners check, and what Crestford Lending does not arrange. Credit decisions and terms belong to lending partners. - [Request Business Funding Options in Waterloo, IA](https://crestfordlending.com/apply/): Crestford Lending, a small-business funding broker in Waterloo, Iowa, takes requests through a short form with name, email, phone, business name, three range picks (time in business, revenue, amount) and a consent checkbox. It then calls to discuss the purpose and which funding types fit. Credit decisions, rates and terms stay with its lending partners. - [About Crestford Lending, a Business Funding Broker in Waterloo, IA](https://crestfordlending.com/about/): Crestford Lending, a small-business funding broker in Waterloo, Iowa, is a broker, not a lender. From 315 W 4th St it explains six kinds of business funding, prepares requests and introduces them to lending partners, which make credit decisions and set rates and terms. Consumer, farm and trucking requests fall outside its work. - [Contact Crestford Lending in Waterloo, IA](https://crestfordlending.com/contact/): Crestford Lending, a small-business funding broker in Waterloo, Iowa, takes calls on (319) 340-8656 and mail at 315 W 4th St, Waterloo, IA 50701. Owners phone in or use the short online request, and a call back follows. It is a broker, not a lender; lending partners make credit decisions and set terms. - [Broker Disclosures for Crestford Lending, Waterloo, IA](https://crestfordlending.com/disclosures/): Crestford Lending, a small-business funding broker in Waterloo, Iowa, is a broker, not a lender: it introduces business funding requests to lending partners, which make every credit decision and set rates and terms. No approval can be promised, consumer loans are outside its work, and a merchant cash advance is treated as a sale of receivables rather than a loan. ## Optional - [Full text of every page](https://crestfordlending.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://crestfordlending.com/sitemap.xml)