# Laurelwick Lenders > Laurelwick Lenders is a small-business funding broker at 2163 Birch Square, Lake Havasu City, AZ 86403 (phone (928) 437-8609). It helps businesses in Lake Havasu City, AZ and across Mohave County, Arizona, explore equipment financing and leasing, working capital, business lines of credit, business term loans, inventory financing, and merchant cash advances. Laurelwick Lenders passes business funding requests to funding partners; the partner that reviews a request makes the credit decision and sets any rate and terms. Laurelwick Lenders is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Laurelwick Lenders does not arrange personal, payday, auto title, mortgage, commercial real estate, startup or SBA loans, does not offer grants, and does not arrange funding for trucking. Key facts: - Business type: small-business funding broker (not a lender) - Address: 2163 Birch Square, Lake Havasu City, AZ 86403, United States - Phone: (928) 437-8609 - Apply: https://laurelwicklenders.com/apply/ - Service area: Lake Havasu City, AZ and all of Mohave County, Arizona - Language: English ## Funding options - [Compare Business Loans in Lake Havasu City, AZ: What Suits Plumbers, Electricians and Painters](https://laurelwicklenders.com/business-loans/): This page compares the six funding types Laurelwick Lenders handles for Lake Havasu City, Arizona businesses: equipment financing, working capital, lines of credit, term loans, inventory financing and merchant cash advances. It covers bank loan types, secured and unsecured debt, business versus commercial loans, borrowing versus taking on investors, and the term loan or credit line choice. - [Working Capital Loans in Lake Havasu City, AZ: Stock, Payroll and Surprise Repairs](https://laurelwicklenders.com/business-loans/working-capital/): Laurelwick Lenders passes working capital requests from Lake Havasu City, Arizona businesses to funding partners. This page shows how to size a request with the working capital formula and the cash conversion cycle, what the money can pay for, how payroll fits in, and how a short-term working capital loan compares with a line of credit. - [Business Term Loans in Lake Havasu City, AZ: Buying Out a Partner or an Existing Business](https://laurelwicklenders.com/business-loans/term-loans/): Laurelwick Lenders passes term loan requests from Lake Havasu City, Arizona owners to funding partners. This page explains how a fixed-schedule loan works, how buyers fund an acquisition or a partner buyout, which loan types suit a purchase, how expansion is financed, and what the term loan A and term loan B labels mean. - [Business Lines of Credit in Lake Havasu City, AZ: How Revolving Limits Work](https://laurelwicklenders.com/business-loans/line-of-credit/): Laurelwick Lenders passes line of credit requests from Lake Havasu City, Arizona businesses to funding partners. This page covers how business lines of credit work, commercial lines for contractors and supply yards, how payments are calculated, paying taxes from a line, the tax treatment of interest, revolving and drawdown lines, and what partners read. - [Inventory Financing for Lake Havasu City, AZ Contractors and Building-Supply Yards: Supplier Orders and Stock Buys](https://laurelwicklenders.com/business-loans/inventory-financing/): Laurelwick Lenders passes inventory financing requests from Lake Havasu City, Arizona businesses to funding partners. This page explains how a stock loan works for contractors, supply yards and stores, what the agreement covers, how it differs from supply chain financing, how to size a pre-season order, and how online sellers and holiday orders fit. - [Equipment Financing Around Lake Havasu City, AZ: Excavators, Landscaping Rigs and Shop Lifts](https://laurelwicklenders.com/equipment-financing/): Laurelwick Lenders passes equipment financing and leasing requests from Lake Havasu City, Arizona businesses to funding partners. This page covers builder equipment, landscaping rigs, auto shop lifts and diagnostics, gym and salon equipment, how equipment finance companies and lenders differ, and work vehicles, with Mohave County, AZ Census counts for each trade. - [Merchant Cash Advances for Lake Havasu City, AZ Auto Shops, Diners and Contractors: Advances Against Future Receivables](https://laurelwicklenders.com/merchant-cash-advance/): Laurelwick Lenders passes merchant cash advance requests from Lake Havasu City, Arizona businesses to funding providers. This page explains how an advance is priced and collected, how revenue-based financing compares, what a holdback agreement says, why an advance is not a loan, and how to total its cost before signing. Every term comes from the provider. ## Industries - [Business Loans by Sector, Lake Havasu City, AZ: From Plumbers, Electricians and Painters Onward](https://laurelwicklenders.com/industries/): Laurelwick Lenders, a small-business funding service in Lake Havasu City, Arizona, groups its industry pages and notes by trade: food and lodging, health practices, building trades, stores and auto, fabrication, and offices and personal care. Fourteen industries have full pages; gyms, salons, electricians, agencies and others have notes here with Mohave County, AZ Census counts. - [Restaurant Loans for Lake Havasu City, AZ Owners: Hood Systems, Walk-Ins and Payroll](https://laurelwicklenders.com/industries/restaurants/): Laurelwick Lenders passes restaurant loan requests from Lake Havasu City, Arizona kitchens to funding partners. Mohave County, AZ had 155 full-service and 147 limited-service restaurants with paid employees in 2023. This page covers loans for restaurants, restaurant lenders, funding options, cafe loans, kitchen equipment and buying a restaurant, plus how a card-sales advance works. - [Medical Practice Loans for Lake Havasu City, AZ Owners: Practice Buy-Ins, Staff and Equipment](https://laurelwicklenders.com/industries/medical-practices/): Laurelwick Lenders passes medical practice funding requests from Lake Havasu City, Arizona to funding partners. The 2023 Census count found 136 physician offices with paid staff in Mohave County, AZ. This page covers physician practice loans, equipment leasing and NAICS codes, buying into a practice, therapy clinic loans, dental clinics in medical groups, and practice cash flow. - [Dental Office Loans Around Lake Havasu City, AZ: Chairs, Imaging and Practice Buyouts](https://laurelwicklenders.com/industries/dental-practices/): Laurelwick Lenders passes dental office funding requests from Lake Havasu City, Arizona to funding partners. County Business Patterns counted 74 offices of dentists with paid employees in Mohave County, AZ in 2023. This page covers dental practice loans, office financing, working capital for dentists, financing options, practice acquisitions and the payment math for a new operatory. - [Contractor Business Loans in Lake Havasu City, AZ: Skid Steers, Trucks and Draw Gaps](https://laurelwicklenders.com/industries/construction/): Laurelwick Lenders passes contractor funding requests from Lake Havasu City, Arizona to funding partners. With 672 employer establishments in 2023, construction outnumbered every other sector in Mohave County, AZ. This page covers financing for contractors and site crews, what owning a construction company costs, construction cash flow, payroll for a young firm, and the records partners read. - [Retail Business Loans for Lake Havasu City, AZ Owners: Fixtures, Stock and POS Systems](https://laurelwicklenders.com/industries/retail/): Laurelwick Lenders passes retail funding requests from Lake Havasu City, Arizona stores to funding partners. The 2023 Census count put retail trade at 643 employer establishments across Mohave County, AZ. This page covers business loans for retail, retail funding types, requirements, inventory loans for boutiques, auto boutiques, working capital and what retail-focused lenders read. - [Auto Repair Shop Loans Around Lake Havasu City, AZ: Alignment Racks, Diagnostics and Payroll](https://laurelwicklenders.com/industries/auto-repair/): Laurelwick Lenders passes auto repair funding requests from Lake Havasu City, Arizona shops to funding partners. The 2023 Census employer count for auto repair and maintenance in Mohave County, AZ was 135. This page covers repair business loans, shop loans, small business loans for tire and brake shops, body shop financing, a lender checklist, buying a garage, and the working capital formula for a shop. - [Landscaping Equipment Financing, Lake Havasu City, AZ: Mowers, Trailers and Crew Trucks](https://laurelwicklenders.com/industries/landscaping/): Laurelwick Lenders passes landscaping funding requests from Lake Havasu City, Arizona crews to funding partners. Mohave County, AZ counted 58 landscaping service employers in 2023. This page covers landscaping equipment loans, financing for tree and lawn services, a financing checklist, business and lawn care loans, what owning or buying a landscaping business costs, and buying a lawn care business. - [Hotel and Motel Loans, Lake Havasu City, AZ: Renovations, Furnishings and Payroll](https://laurelwicklenders.com/industries/hotels-motels/): Laurelwick Lenders passes hotel and motel funding requests from Lake Havasu City, Arizona to funding partners, for renovations, furniture and equipment and working capital rather than property loans. Mohave County, AZ counted 43 traveler accommodation employers in 2023. This page covers hotel lenders, FF&E, working capital, the payment math, equipment, buying a motel business and the business plan. - [Grocery Store Loans, Lake Havasu City, AZ: Refrigeration, POS and Supplier Orders](https://laurelwicklenders.com/industries/grocery-stores/): Laurelwick Lenders passes grocery funding requests from Lake Havasu City, Arizona stores to funding partners. County Business Patterns counted 37 grocery store employers in Mohave County, AZ in 2023. This page covers grocery store financing, how to get a loan, buying a store, uses and trade-offs, the financial statements a partner reads, requirements, and owners' common questions. - [Coffee Shop Loans in Lake Havasu City, AZ Covering Bars, Ovens and Second Locations](https://laurelwicklenders.com/industries/coffee-shops/): Laurelwick Lenders passes coffee shop and cafe funding requests from Lake Havasu City, Arizona to funding partners. Mohave County, AZ counted 42 snack and nonalcoholic beverage bars, the Census group for coffee shops, in 2023. This page covers cafe business loans, funding sources, loan documents, bakery equipment, buying a coffee shop or bakery, and local counts. - [Machine Shop Loans for Lake Havasu City, AZ Owners: CNC Machines, Lathes and Tooling](https://laurelwicklenders.com/industries/machine-shops/): Laurelwick Lenders passes machine shop funding requests from Lake Havasu City, Arizona to funding partners. Mohave County, AZ counted 33 fabricated metal product manufacturers, the Census group that includes machine shops, in 2023. This page covers CNC financing, machinery finance companies, financing agreements, options for CNC and tool shops, used machines and metal shop loans. - [Gas Station Loans in Lake Havasu City, AZ: Store Remodels, Coolers and Fuel Bills](https://laurelwicklenders.com/industries/gas-stations-convenience-stores/): Laurelwick Lenders passes gas station and convenience store funding requests from Lake Havasu City, Arizona to funding partners. Mohave County, AZ counted 88 gasoline stations and 18 convenience stores with paid employees in 2023. This page covers funding a station, store ratios, building one, financial statements, whether a loan is possible, and buying a station. - [HVAC and Plumbing Business Loans for Lake Havasu City, AZ Owners: Service Vans, Tools and Job Materials](https://laurelwicklenders.com/industries/plumbing-hvac/): Laurelwick Lenders passes plumbing and HVAC funding requests from Lake Havasu City, Arizona contractors to funding partners. Mohave County, AZ counted 102 plumbing, heating and air-conditioning contractors with paid employees in 2023. This page covers financing for HVAC contractors, commercial jobs, working capital math, a checklist, equipment from the contractor's side, and working capital loans. - [Chiropractic and Therapy Practice Loans for Lake Havasu City, AZ Owners: Treatment Rooms, Equipment and Payroll](https://laurelwicklenders.com/industries/chiropractors-and-therapists/): Laurelwick Lenders passes chiropractic and therapy practice funding requests from Lake Havasu City, Arizona to funding partners. Mohave County, AZ counted 88 offices of other health practitioners, the Census group for chiropractors, therapists and optometrists, in 2023. This page covers working capital, equipment financing, business loans, equipment used in care, and hiring a therapy assistant. ## Guides and calculators - [Guides and Calculators, Lake Havasu City, AZ: Built for Plumbers, Electricians and Painters](https://laurelwicklenders.com/resources/): Laurelwick Lenders' guides for Lake Havasu City, Arizona owners cover the city business license and permits before a lease or build-out, Arizona food truck permits for a kitchen adding a truck, and a worksheet that converts markup to margin. This page also answers the first questions self-employed owners raise and compares the funding types for the trades. - [Lake Havasu City, AZ Business License, Explained for Plumbers, Electricians and Painters](https://laurelwicklenders.com/resources/lake-havasu-city-business-license/): This guide from Laurelwick Lenders walks Lake Havasu City, Arizona owners through the license, permit and zoning checks that come before a lease, a build-out or a funding request: searching for a license, renewing one, what a license file needs, the building permit application and the zoning map. Requirements come from the city and the state; confirm each with them. - [Arizona Food Truck License: What Restaurants Adding a Truck in Lake Havasu City, AZ Need to Know](https://laurelwicklenders.com/resources/arizona-food-truck-license/): This guide from Laurelwick Lenders explains how Arizona food truck permits fit the funding plan of a Lake Havasu City, Arizona restaurant adding a truck: the requirements to check, how the rules shape the build, how to budget for permit costs, and what a funding partner reads. Requirements and fees come from the state, county and city; confirm each with them. - [Markup vs Margin Calculator in Lake Havasu City, AZ: A Tool for Plumbers, Electricians and Painters](https://laurelwicklenders.com/resources/markup-vs-margin-calculator/): This worksheet from Laurelwick Lenders in Lake Havasu City, Arizona explains markup and gross margin, converts between them with worked tables, and shows how margin decides how much new payment a business can carry. It is arithmetic for your own numbers, not a calculator widget and not an offer; every figure in the examples is invented. ## Areas served - [Business Loans in Lake Havasu City, AZ: What the Mohave County, AZ Numbers Show for Plumbers, Electricians and Painters](https://laurelwicklenders.com/lake-havasu-city-az/): This page sets out Census business counts for Mohave County, Arizona and one city ZIP code, the lender types that serve Lake Havasu City owners, and the city permit, zoning and license checks that come before a build-out or lease. Laurelwick Lenders passes requests to funding partners, and each partner decides on approval and terms. - [Towns Served From Lake Havasu City, AZ: Mohave County, AZ and Nearby Places](https://laurelwicklenders.com/service-areas/): Laurelwick Lenders, in Lake Havasu City, Arizona, takes funding requests by phone and online form from businesses in Mohave County, AZ and nearby places in La Paz County, AZ and across the river in California. This page names those places, gives the one ZIP-level business count that exists for them, and explains why Mohave County, AZ figures stop at the county line. ## Company - [Small Business Loans Around Lake Havasu City, AZ: Funding for Plumbers, Electricians and Painters](https://laurelwicklenders.com/): Laurelwick Lenders is a Lake Havasu City, Arizona service that helps local trades and shops line up business funding. Equipment financing comes first, for crews that run machines, trucks and trailers, and five other funding types sit beside it. A funding partner reviews each request and sets any approval, amount and terms; the owner decides whether to sign. - [How to Get a Business Loan Around Lake Havasu City, AZ: A Walkthrough for Plumbers, Electricians and Painters](https://laurelwicklenders.com/how-it-works/): This page explains how a funding request sent to Laurelwick Lenders in Lake Havasu City, Arizona moves forward: the first call, what partners read in bank statements, what decides how long a review takes, how an LLC borrows, and what lenders weigh in an application. Funding partners make every credit decision; the owner chooses whether to sign. - [Business Loan Questions From Lake Havasu City, AZ Lakeside Kitchens and Cafes](https://laurelwicklenders.com/faq/): Laurelwick Lenders, a small-business funding service in Lake Havasu City, Arizona, answers the questions owners raise before a request: what a short-term loan is, what a maturity date means, whether an EIN is enough, when a business plan is needed, collateral-free loans, documents, and the drawbacks of a line of credit. Partners set their own requirements. - [About Laurelwick Lenders: Business Funding in Lake Havasu City, AZ for Lakeside Kitchens and Cafes](https://laurelwicklenders.com/about/): Laurelwick Lenders, based in Lake Havasu City, Arizona, helps Mohave County, AZ owners sort out business funding. It takes requests by phone or online form, matches each to the funding types that suit it, with equipment financing first, and passes it to funding partners. Each partner reviews the request and decides on approval and terms on its own. - [Business Loan Help in Lake Havasu City, AZ: Contact Laurelwick Lenders About Plumbers, Electricians and Painters](https://laurelwicklenders.com/contact/): Owners reach Laurelwick Lenders, the Lake Havasu City, Arizona funding service, at (928) 437-8609 or through the online request form. Either route opens with a conversation about the purchase or the bill, the amount and the timing. This page lists what to have ready, how texts work, and the questions owners ask before calling. - [Start a Business Loan Request in Lake Havasu City, AZ: Built for Motels, Cafes and Service Shops](https://laurelwicklenders.com/apply/): The Laurelwick Lenders online form collects full name, phone, email and company name, with range picks for time in business, annual revenue and the requested amount, and it ends with a consent box that must be checked to submit. The documents a reviewing partner may ask for later are listed on this page. - [Read Before You Apply With Laurelwick Lenders (Lake Havasu City, AZ): Disclosures](https://laurelwicklenders.com/disclosures/): Laurelwick Lenders in Lake Havasu City, Arizona is a funding broker, not a lender, despite the word in its name. It passes business funding requests to funding partners that review them and make their own decisions on approval and terms. A merchant cash advance is not a loan. Read every offer in full before signing. ## Optional - [Full text of every page](https://laurelwicklenders.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://laurelwicklenders.com/sitemap.xml)