Ledgecrest Lending is a business funding broker in Richmond, KY. It passes requests to funding partners and does not lend money itself; each partner reviews a request and decides.
Ledgecrest Lending passes requests on and lends nothing itself. Partners set every term and make every decision, a merchant cash advance is not a loan, worked examples use invented figures, and local numbers come from named Census programs.
Ledgecrest Lending Passes Requests On and Lends Nothing Itself
Ledgecrest Lending is a broker. It takes a business owner's request, by phone or through the request form, and passes it to funding partners. It does not lend money, does not make credit decisions and does not hold any funds a partner provides.
Each Funding Partner Sets Its Own Terms and Makes Its Own Decision
Each funding partner reviews a request under its own standards and decides whether to make an offer. Amounts, rates, terms, fees, collateral and conditions are set by the partner. Nothing on this site assures approval, an amount, a rate or a time frame.
What a Cash Advance Provider Buys
A merchant cash advance is not a loan. The provider buys a share of a business's future card sales at a set price and collects it as a fixed percentage of each day's sales until the purchased amount is collected. The total is fixed by a factor, and the number of days it takes depends on sales.
Illustrations and the Calculator Are Not Quotes
Worked examples on this site use invented figures and are labeled as illustrations. The calculator computes level payments from the numbers entered. Neither is a quote, and a partner's offer can differ in every figure.
Where the Madison County, KY and ZIP-Level Numbers Come From
Local figures come from U.S. Census Bureau programs: County Business Patterns (2023) for Madison County, KY employer establishments, ZIP Code Business Patterns (2023) for ZIP 40475 and the other ZIPs named on each page, Nonemployer Statistics (2024) for businesses without paid employees, American Community Survey 5-year estimates (2020-2024) for self-employment shares and the Building Permits Survey (2025). Each figure names its program and year where it appears.
Uses and Industries Left Out of Ledgecrest Lending Requests
Requests must be for a business purpose. This site does not arrange personal or household credit, startup loans, real estate purchases or building construction loans, and it does not arrange funding for trucking companies, freight hauling or agriculture. Work on a building itself, such as roofing, plumbing or electrical systems, is outside this site.
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