# Halehaven Loans > Halehaven Loans is a small-business funding broker at 306 Main St, Ames, IA 50010 (phone (515) 272-7071). It helps businesses in Ames, IA; Huxley, IA and across Story County, Iowa; and in Polk City, IA (Polk County), explore equipment financing, working capital, term loans, revolving credit lines, inventory financing and merchant cash advances through funding partners. Halehaven Loans passes funding requests to partner lenders and funding providers; each partner runs its own review and makes its own decision. Halehaven Loans is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Halehaven Loans does not arrange funding for trucking, agriculture, pre-revenue startups, real estate purchases or mortgages, and does not offer SBA loans or invoice factoring. Key facts: - Business type: small-business funding broker (not a lender) - Address: 306 Main St, Ames, IA 50010, United States - Phone: (515) 272-7071 - Apply: https://halehavenloans.com/apply/ - Places: Ames, IA; Huxley, IA and all of Story County, Iowa; also Polk City, IA (Polk County) - Language: English ## Funding options - [Business Loan Types for Ames, IA Owners: What Landscapers and Coffee Shops Use](https://halehavenloans.com/business-loans/): Six funding types for Ames, IA businesses, each matched to a different cost: one-time purchases, payroll gaps, uneven supply costs, equipment, stock and card-sales advances. Partners review each request and decide. - [Working Capital Loans in Ames, IA: Week-to-Week Cash for Landscapers and Coffee Shops](https://halehavenloans.com/business-loans/working-capital/): Short-term funding for Ames, IA businesses whose wages and bills come due before customer payments land. The page sizes a payroll gap in dollars and explains what working capital can and cannot pay for. - [Business Term Loans in Ames, IA for Expansions by Landscapers and Coffee Shops](https://halehavenloans.com/business-loans/term-loans/): Term loans give Ames, IA businesses one sum with fixed installments for purchases that pay off over years: a shop acquisition, a practice buy-in or an expansion. A worked payment example and a down-payment illustration are included. - [Business Lines of Credit in Ames, IA for Landscapers and Coffee Shops](https://halehavenloans.com/business-loans/line-of-credit/): A revolving limit for Ames, IA businesses whose costs rise and fall. The page compares lines with one-time loans, shows the interest on an invented draw, and explains how a limit can grow at renewal. - [Inventory Financing for Landscapers and Coffee Shops Around Ames, IA](https://halehavenloans.com/business-loans/inventory-financing/): Funding for stock bought before it sells, for Ames, IA coffee shops, landscapers, practices and retailers. The page separates inventory financing from purchase order financing and works an invented example in dollars. - [Equipment Financing in Ames, IA: Kitchen Lines, Shop Lifts and Salon Chairs](https://halehavenloans.com/equipment-financing/): Financing or leasing for equipment an Ames, IA business uses every day, trade by trade, with an equipment finance agreement set next to an equipment loan. In the invented cafe example, the fair market value lease has the smaller monthly payment, and keeping the machine at the end makes it the costlier route in total. - [Merchant Cash Advances in Ames, IA Compared With Revenue-Based Financing for Auto Repair Shops](https://halehavenloans.com/merchant-cash-advance/): A merchant cash advance is not a loan: it buys part of a business’s future card sales, and collection comes out of each day’s sales. The page turns an invented factor rate into a dollar cost, follows a holdback through to days of collection, and sets the advance beside revenue-based financing and a line of credit. ## Industries - [Restaurant Loans in Ames, IA: Takeout Kitchens, Ovens and Delivery Cars](https://halehavenloans.com/industries/restaurants/): An Ames, IA restaurant can match each cost to a funding type: kitchen and dining equipment, payroll and food orders, the price of an existing restaurant, or an advance collected from card sales. Walls, floors and anything else built into the room stay outside this site. - [Medical Practice Loans in Ames, IA: Family Clinics and Sports Medicine Rooms](https://halehavenloans.com/industries/medical-practices/): Physician offices in Ames, IA can fund exam and testing equipment, bridge payroll while claims are paid, and finance a practice purchase or partner buy-in. Construction on the building is outside this site. - [Ames, IA Salon Business Loans: Buying an Existing Salon](https://halehavenloans.com/industries/salons/): A salon in Ames, IA can fund a purchase of an existing salon, the chairs and tools on the floor, retail product for the shelf, and payroll between card deposits. Water lines and other work on the space stay outside this site. - [Dental Office Loans in Ames, IA: Intraoral Scanners, Delivery Units and Practice Buy-Ins](https://halehavenloans.com/industries/dental-practices/): A dental office in Ames, IA can fund operatory equipment and imaging, a practice purchase or buy-in, and payroll or lab bills between claim payments. Work on the building, such as walls and shielding, is outside this site. - [Business Loans for Retail in Ames, IA: Apparel Shops, Bookstores and Bike Shops](https://halehavenloans.com/industries/retail/): An Ames, IA store can fund stock bought ahead of sales, freestanding shelving and registers, payroll between deposits, and an advance collected from card sales. Storefront and other building work stays outside this site. - [Financing for Contractors in Ames, IA: Home Builders, Concrete Crews and Lumber Draws](https://halehavenloans.com/industries/construction/): Home builders, concrete crews and specialty trades in Ames, IA can fund job equipment, lumber and payroll while draws and retainage are pending, or the purchase of another contractor’s business. Lot purchases and loans for the houses themselves are real estate lending, outside this site. - [Auto Repair Shop Loans in Ames, IA: Tire Storage Racks, Lifts and Alignment](https://halehavenloans.com/industries/auto-repair/): An Ames, IA repair shop can fund lifts, alignment machines, tire storage racks, diagnostic tools, parts stock, a new technician’s first weeks or the purchase of a running shop. Work on the shop building, including its floor and doors, is outside this site. - [Landscaping Equipment Financing in Ames, IA: Zero-Turn Mowers, Trailers and Skid Steers](https://halehavenloans.com/industries/landscaping/): A lawn care or landscaping crew in Ames, IA can finance mowers, trailers, skid steers and spray rigs, and cover crew payroll, fuel and materials while client invoices are open. Work on the crew’s own yard or shop building is outside this site. - [Ames, IA Daycare Center Financing: Infant Room Gear, Passenger Vans and Payroll](https://halehavenloans.com/industries/daycare-centers/): A child day care provider in Ames, IA can fund cribs, cots, classroom furniture, kitchen appliances and a passenger van, cover payroll through enrollment gaps, or buy an existing program. Buildings, land and outdoor installations are outside this site. - [Ames, IA Hotel Loans: Guest Room Furnishings, Linens and Laundry](https://halehavenloans.com/industries/hotels-and-motels/): An Ames, IA hotel or motel can finance guest room furniture, mattresses, linens, laundry machines and front-desk systems, and use working capital for payroll and supplies. The building, inside and out, and the real estate stay outside this site. - [Ames, IA Cafe Business Loans: A Second Cafe or Kiosk](https://halehavenloans.com/industries/cafes-and-coffee-shops/): A coffee shop or bakery cafe in Ames, IA can fund espresso machines, roasters, ovens, menu boards and POS stations, buy a running cafe or a coffee cart, or cover payroll. Cafes with no sales yet and work on the building are outside this site. - [Manufacturing Equipment Financing in Ames, IA: Lab Instruments, Fabrication and Test Rigs](https://halehavenloans.com/industries/manufacturing/): A machine shop, fabricator, food producer or printer in Ames, IA can finance used or new CNC machines, welders, packaging lines, lab instruments and forklifts, buy raw stock, or cover operator payroll. Building systems, cranes and dock work are outside this site. - [Business Loans for Real Estate Agents in Ames, IA: Rental Management Offices and Staff](https://halehavenloans.com/industries/real-estate-agents/): A real estate agency in Ames, IA can draw a line of credit or take working capital for payroll, rent and software while commissions wait on closing dates, and finance office equipment. Property purchases and real estate loans are outside this site. - [Business Loans by Industry for Ames, IA: From Auto Repair Shops to Landscapers](https://halehavenloans.com/industries/): Ames, IA owners in any trade can call about six funding types. The match follows the purchase or the gap: equipment, stock, payroll, a credit line, a term loan, or a merchant cash advance collected from card sales. ## Tools and calculators - [Ames, IA Small Business Resources: Checklists for Landscapers and Coffee Shops](https://halehavenloans.com/resources/): Checklists for Ames, IA owners before a funding call: a plan outline, records to gather, preparation steps, where zoning questions go, and an equipment payment calculator. - [Equipment Financing Calculator for Ames, IA Shops, Cafes and Practices](https://halehavenloans.com/resources/equipment-financing-calculator-ames-ia/): A payment calculator for equipment quotes, with an invented espresso machine worked at two terms. It shows a monthly payment, total interest and total cost including the down payment, and leaves out fees, taxes and lease pricing. ## Communities near Ames, IA - [Ames, IA Business Loans: Story County, IA Facts, Local Lenders and Coffee Shops](https://halehavenloans.com/ames-ia/): An Ames, IA owner can borrow from a bank, a credit union or an online lender, or call Halehaven Loans, which passes a request on to funding partners. This page pairs ZIP 50010 and Story County, Iowa business counts with the funding types that fit auto shops, landscapers, home builders, restaurants and therapy offices. Buying property is outside this site. - [Business Loans for Cities Around Ames, IA, From Auto Repair Shops to Landscapers](https://halehavenloans.com/service-areas/): Owners in Ames, Huxley and Polk City, IA reach Halehaven Loans on the same number. This page walks through commercial lease checks for coffee shops and landscaping crews, what a landlord may ask for, and ZIP 50226 figures for Polk City, IA, which lies in Polk County rather than Story County, Iowa. ## Company - [Small Business Loans in Ames, IA Built Around Auto Repair Shops, Landscapers and Coffee Shops](https://halehavenloans.com/): Halehaven Loans passes Ames, IA funding requests to partners for equipment, payroll gaps, stock, credit lines and business purchases. Partners weigh each request against their own terms. A phone call starts the process. - [How to Get a Business Loan in Ames, IA: Steps for Landscapers and Coffee Shops](https://halehavenloans.com/how-it-works/): Step by step, from the first call to a funding partner’s own review. The page lists what a partner may look at, the records worth gathering and what underwriting covers, for Ames, IA coffee shops, landscaping crews and practices. - [Business Loan FAQ for Ames, IA Auto Repair Shops, Landscapers and Other Owners](https://halehavenloans.com/faq/): General answers to questions Ames, IA owners search for, plus three on how Halehaven Loans fits in. Terms, costs and decisions belong to the funding partner. - [About Halehaven Loans, an Ames, IA Funding Service for Coffee Shops](https://halehavenloans.com/about/): Halehaven Loans talks a funding need through with an Ames, IA owner by phone, matches it to one of six funding types and hands it on to funding partners, who review it and decide. Startups without revenue, trucking, agriculture and real estate are outside this site. - [Reach Halehaven Loans About Funding for Landscapers and Coffee Shops in Ames, IA](https://halehavenloans.com/contact/): Halehaven Loans in Ames, IA takes calls at (515) 272-7071. This page lists questions a coffee shop, a therapy office or an auto shop can put to any funder, and questions for a first call. - [Business Loan Application for Ames, IA Landscapers and Coffee Shops](https://halehavenloans.com/apply/): Contact details and a company name open the Halehaven Loans request form; ranges for time in business, annual revenue and the requested amount follow, then consent.Statements and quotes wait until a funding partner reviewing the request asks for them. - [Disclosures for Halehaven Loans, Ames, IA](https://halehavenloans.com/disclosures/): Halehaven Loans is a broker, not a lender. Funding partners review each request, set the terms and decide. Rates and costs come only from a partner’s offer. ## Optional - [Full text of every page](https://halehavenloans.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://halehavenloans.com/sitemap.xml)