# Ledgecrest Lending > Ledgecrest Lending is a small-business funding broker at 104 S 3rd St, Richmond, KY 40475 (phone (859) 461-8654). It helps businesses in Richmond, KY; Berea, KY and across Madison County, Kentucky; and in Lancaster, KY (Garrard County), Irvine, KY (Estill County), Clay City, KY (Powell County), Crab Orchard, KY (Lincoln County), Brodhead, KY (Rockcastle County), Stanford, KY (Lincoln County), Ravenna, KY (Estill County), High Bridge, KY (Jessamine County) and Keene, KY (Jessamine County), explore small business loans, lines of credit, equipment financing and merchant cash advances arranged through funding partners. Ledgecrest Lending arranges introductions to funding partners and does not lend money itself; each partner reviews a request and sets the terms of any offer. Ledgecrest Lending is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Ledgecrest Lending does not arrange funding for trucking companies, freight hauling or agriculture, and does not arrange startup loans, real estate purchases or building construction loans. Key facts: - Business type: small-business funding broker (not a lender) - Address: 104 S 3rd St, Richmond, KY 40475, United States - Phone: (859) 461-8654 - Apply: https://ledgecrestlending.com/apply/ - Places: Richmond, KY; Berea, KY and all of Madison County, Kentucky; also Lancaster, KY (Garrard County), Irvine, KY (Estill County), Clay City, KY (Powell County), Crab Orchard, KY (Lincoln County), Brodhead, KY (Rockcastle County), Stanford, KY (Lincoln County), Ravenna, KY (Estill County), High Bridge, KY (Jessamine County) and Keene, KY (Jessamine County) - Language: English ## Funding options - [Types of Business Loans in Richmond, KY: Fixed Installments, Revolving Draws and a Card-Sales Share](https://ledgecrestlending.com/business-loans/): Working capital, term loans and equipment financing come back in fixed installments; a line of credit is drawn and paid down again; inventory financing is paid down as stock sells; a merchant cash advance is collected as a share of card sales and is not a loan. Partners set every rate and term. - [Working Capital Loans in Richmond, KY for the Weeks Between a Repair Bill and the Next Deposit](https://ledgecrestlending.com/business-loans/working-capital/): A working capital loan covers an operating cost now and is paid back in fixed installments over a short term. The examples here cover a supply-house account, a cooler compressor repair, crew wages, restaurant supplies, a dental office schedule and two competing offers. Partners decide every amount and rate. - [Business Term Loans in Richmond, KY, Sized to a Material Trailer or a Diagnostic Scanner](https://ledgecrestlending.com/business-loans/term-loans/): A term loan is a single payout followed by installments. This page works through an origination fee, a five-year schedule for a material trailer, treatment-room equipment for a chiropractic office, a cash-flow check for a motel's laundry machines, paying off a duct fabrication machine early and two machines on one loan. Partners set every term. - [Business Lines of Credit in Richmond, KY: Draw for a Supplier Bill, Pay It Down, Draw Again](https://ledgecrestlending.com/business-loans/line-of-credit/): A line of credit charges interest on the drawn balance only, and paid-down room can be drawn again. This page covers an electrical contractor's supply account, store payroll at a gas station, a limit increase, line fees, a lumber statement and daily interest at a repair shop. Partners set every limit and rate. - [Inventory Financing in Richmond, KY for Frame Boards, Packaging Orders and Nursery Stock](https://ledgecrestlending.com/business-loans/inventory-financing/): Inventory financing pays a supplier now for stock that sells later. This page works through an optometry office's frame order, a restaurant's packaging pallet with a six-month schedule, a landscaping company's purchase order fee, a furniture store's freight and the lien questions a retailer can ask. Every figure in an actual offer comes from the funding partner that makes it. - [Richmond, KY Equipment Financing for Truck-Mounted Extractors, Traction Tables and Walk-In Coolers](https://ledgecrestlending.com/equipment-financing/): Equipment financing pays for a machine or fixture through a loan, a lease or an equipment finance agreement. This page explains a $1 buyout lease on a carpet cleaner's truck-mounted extractor, a jack and press loan with a down payment, scissor lift lease clauses, soft costs on traction tables and the lien paperwork on a walk-in cooler. Partners set all terms. - [Richmond, KY Merchant Cash Advances: The Factor, the Holdback and the Days to Collect](https://ledgecrestlending.com/merchant-cash-advance/): A merchant cash advance is a lump sum in exchange for a share of future card sales. This page works through the five steps of an advance, a factor turned into dollars, the clauses in the agreement, two holdback percentages on one advance, a cost-per-day calculation and the difference between a percentage holdback and a fixed daily debit. Providers set every term. ## Industries - [Richmond, KY Restaurant Loans for a Pellet Smoker, a Grab-and-Go Case and Breakfast-Shift Payroll](https://ledgecrestlending.com/industries/restaurants/): Invented cases for a barbecue restaurant's smoker and holding cabinet, a grab-and-go case paid from cash or financed, and breakfast-shift payroll on a six-month working capital term, with Madison County, KY restaurant counts and size classes from County Business Patterns 2023. Building work stays outside this site. - [Medical Practice Loans in Richmond, KY: a Digital X-ray Retrofit, Vital-Signs Monitors and a Vaccine Refrigerator](https://ledgecrestlending.com/industries/medical-practices/): Invented cases for a digital X-ray detector retrofit, six vital-signs monitors with and without a down payment, and a vaccine refrigerator kept apart from its first stock order, with Madison County, KY counts for offices of physicians (CBP 2023, ZBP 2023, Nonemployer Statistics 2024). Room shielding and other building work stay outside this site. - [Dental Office Loans in Richmond, KY for a Chairside Mill, a Panoramic X-ray Unit and Intraoral Cameras](https://ledgecrestlending.com/industries/dental-practices/): Invented cases for a chairside milling unit with its design software, a panoramic X-ray unit whose wiring is property work, and a handheld X-ray unit with four intraoral cameras on separate schedules or one, with Madison County, KY counts for offices of dentists (CBP 2023, ZBP 2023, Nonemployer Statistics 2024). - [Business Loans for Retail in Richmond, KY: an E-Bike Order, Music Store Pianos and a Closeout Lot](https://ledgecrestlending.com/industries/retail/): Madison County, KY store types by share of small employers (CBP 2023), with invented cases for an e-bike order paid down bike by bike, pianos and amplifiers for a music store, and a closeout lot priced on a credit line, a four-month term and an advance, plus retail counts from Nonemployer Statistics 2024 and ZBP 2023. - [Financing for Contractors in Richmond, KY: From a Floor Grinder to a Roofing Conveyor Trailer](https://ledgecrestlending.com/industries/construction/): Invented cases for a flooring contractor's floor grinder and dust extractor and a roofing company's conveyor trailer at 48 and 60 months, with Madison County, KY construction size counts (CBP 2023, ZBP 2023, Nonemployer Statistics 2024) and residential permit counts for 2023 to 2025. - [Auto Repair Shop Loans in Richmond, KY for a Brake Lathe, a Tire Changer and a Shop Compressor](https://ledgecrestlending.com/industries/auto-repair/): Invented cases for a brake lathe, tire changer and wheel balancer on one schedule, a shop air compressor whose air lines are property work, and a bulk oil and filter order on a nine-month working capital term, with Madison County, KY counts for automotive repair and maintenance (CBP 2023, ZBP 2023, Nonemployer Statistics 2024). - [Landscaping Equipment Financing in Richmond, KY: a Turf Renovation Package, Hardscape Tools and a Crew Cab Pickup](https://ledgecrestlending.com/industries/landscaping/): Invented cases for a three-machine turf renovation package, a set of hardscape tools priced on equipment financing and on a 12-month working capital term, and a second crew cab pickup whose payment overlaps the first, plus Madison County, KY landscaping counts from CBP 2023, ZBP 2023 and Nonemployer Statistics 2024. - [Manufacturing Equipment Financing in Richmond, KY for a Waterjet Cutting Table and a CNC Tube Bender](https://ledgecrestlending.com/industries/manufacturing/): Invented cases for a waterjet cutting table bought with a deposit at order and financed from delivery, and a CNC tube bender whose payment is worked out per part, plus Madison County, KY manufacturing figures from CBP 2023, ZBP 2023 and Nonemployer Statistics 2024. - [Business Loans for Real Estate Agents in Richmond, KY: a Listing-Photo Drone Kit, Then Electronic Lockboxes](https://ledgecrestlending.com/industries/real-estate-agents/): Invented cases for a drone and 3D tour camera kit worked out per listing and for 40 electronic lockboxes leased or financed, plus Madison County, KY real estate office counts from CBP 2023, ZBP 2023 and Nonemployer Statistics 2024. - [Accounting Firm Loans in Richmond, KY for Payroll Mailing Equipment and Consulting Field Instruments](https://ledgecrestlending.com/industries/accounting-firms/): Invented cases for a pressure sealer and check printer at a payroll service firm and for air and water sampling instruments at an environmental consulting firm, plus Madison County, KY counts for accounting, tax, bookkeeping and payroll firms and for consulting firms from CBP 2023, ZBP 2023 and Nonemployer Statistics 2024. - [Chiropractic Practice Loans in Richmond, KY: a Hydromassage Bed, an Isokinetic Testing System and Take-Home Supports](https://ledgecrestlending.com/industries/chiropractic-and-therapy-practices/): Invented cases for a hydromassage bed with compression recovery boots, an isokinetic testing and exercise system at a physical therapy clinic, and a credit line draw for cervical pillows and back supports sold to patients, plus Madison County, KY office counts from CBP 2023, ZBP 2023 and Nonemployer Statistics 2024. - [Gas Station Financing in Richmond, KY for the Store Side: Hot-Food Equipment and Automotive-Aisle Stock](https://ledgecrestlending.com/industries/gas-stations-convenience-stores/): Invented cases for a roller grill, heated display case and countertop oven on one equipment schedule and for automotive-aisle and snack stock paid down over three months, plus Madison County, KY counts for gasoline stations and convenience stores from CBP 2023 and ZBP 2023. - [Richmond, KY Business Loans by Industry: Madison County, KY Payroll per Trade and a Repair Shop's Contract Payroll](https://ledgecrestlending.com/industries/): Madison County, KY payroll and size counts for 13 trades (CBP 2023), an invented industrial machinery repair shop that sizes a working capital term to a new contract's payroll, the costs this site leaves out, and five trade groups with short notes on hotels, salons, child care, cleaning crews and fitness centers. ## Tools and calculators - [Richmond, KY Small Business Resources for a Funding Request: Documents, a Plan Outline and Payment Math](https://ledgecrestlending.com/resources/): A documents checklist for an equipment request, a business plan outline built around a billing gap, a level payment worked by hand, and the official links used on this site. The dollar amounts in all three cases are invented. - [Business Loan Extra Payment Worksheet and Payment Calculator for Richmond, KY Practices and Shops](https://ledgecrestlending.com/resources/business-loan-extra-payment-calculator/): The calculator computes level monthly payments only. The sections work by hand an extra payment plan on a service van, a balloon on a lab analyzer, a level versus balloon comparison on a veterinary clinic's surgery equipment and extra payments that shrink a balloon on an excavator. Every example uses invented figures. ## Richmond, KY and nearby communities - [Business Loans in Richmond, KY by Shop Size: Madison County, KY Counts and Three Worked Costs](https://ledgecrestlending.com/richmond-ky/): Richmond, KY owners can ask about a business loan by phone or the request form, and funding partners set the terms of any offer. Madison County employer counts by size sit beside three invented cases: a massage practice whose lease ends before its equipment loan, a print shop's printer and stock, and a restaurant's plate and glass order. - [Business Loans in Berea, KY: ZIP 40403 Employer Counts and Three Lease-Cost Cases](https://ledgecrestlending.com/service-areas/berea-ky/): Berea, KY businesses reach Ledgecrest Lending by phone or the request form. The 2023 count for ZIP 40403 was 435 employer establishments; in the ACS, 9.2% (±2.8) of employed Berea residents worked for themselves. Three invented cases price a common-area bill, a prepaid year of rent and rent that steps up each year. - [Business Loans Around Richmond, KY, Place by Place From Berea, KY to Keene, KY](https://ledgecrestlending.com/service-areas/): From Lancaster to Keene, one phone line and one request form lead to Ledgecrest Lending. Berea, KY has its own page; Lancaster, Stanford, Crab Orchard, Irvine, Ravenna, Clay City, Brodhead, Keene and the High Bridge community are covered here, most with ZIP Code Business Patterns counts, along with a percentage-rent case and a sublet case. ## Company - [Small Business Loans in Richmond, KY: From a Bone Density Scanner to a Week of Payroll](https://ledgecrestlending.com/): Ledgecrest Lending in Richmond, KY passes funding requests to partners for working capital, term loans, lines of credit, inventory, equipment and merchant cash advances. Rates and terms come from whichever partner takes the request up. This site leaves out startups, trucking companies, agriculture, real estate purchases and building construction loans. - [How to Get a Business Loan in Richmond, KY: From the Bill in Hand to a Signed Offer](https://ledgecrestlending.com/how-it-works/): A request runs in order: name the cost, call or send the request form, let a funding partner review it, then read any offer before signing. The sections follow a therapy office's payroll request, the request form's questions for a restaurant, an underwriting review, a partner's follow-up questions and an offer read line by line. - [Business Loan Basics for Richmond, KY Owners, From Who Sets the Rate to the Paperwork a Partner May Ask For](https://ledgecrestlending.com/faq/): Rates come from the funding partner that makes an offer, not from this site. Fees can include origination, documentation, late and prepayment charges. Bank statements, tax returns and quotes are among the papers a partner may request. Each product fits a different kind of cost, shown here for a child care provider. - [A Closer Look at Ledgecrest Lending: Business Loan Matching in Richmond, KY](https://ledgecrestlending.com/about/): Ledgecrest Lending passes the business funding requests that Richmond, KY and Madison County owners send on to funding partners, who review each one and set the terms of any offer. The sections cover where a small business loan can come from, how nearby lenders compare with a request sent here, the steps a payroll request takes, and the office. - [Contact Ledgecrest Lending Today: The Richmond, KY Phone Line and What a First Call Covers](https://ledgecrestlending.com/contact/): Call (859) 461-8654 to begin; the request form is the other way in. The sections list questions worth asking any lender about a physician hire, a flooring order and a bakery's catering job, plus notes to jot down before dialing. - [Send a Richmond, KY Funding Request: First Step](https://ledgecrestlending.com/apply/): Fill in the request form or call (859) 461-8654. The request then goes to funding partners, and a partner may ask for documents before deciding on any offer. The sections walk a veterinary clinic through six steps, list documents for a supply distributor, give a checklist for a child care van and explain what the form covers. - [Disclosures From Ledgecrest Lending: Who Decides on a Richmond, KY Funding Request](https://ledgecrestlending.com/disclosures/): 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. ## Optional - [Full text of every page](https://ledgecrestlending.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://ledgecrestlending.com/sitemap.xml)