# Sableleaf Lending > Sableleaf Lending is a small-business funding broker at 214 SW H St, Grants Pass, OR 97526 (phone (541) 229-5327). It helps businesses in Grants Pass, OR and across Josephine County, Oregon, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Sableleaf Lending passes business funding requests to funding partners; each partner reviews a request, makes its own credit decision and sets its own rates and terms. Sableleaf Lending is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Sableleaf Lending does not arrange personal, payday, auto title, mortgage, 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: 214 SW H St, Grants Pass, OR 97526, United States - Phone: (541) 229-5327 - Apply: https://sableleaflending.com/apply/ - Service area: Grants Pass, OR and all of Josephine County, Oregon - Language: English ## Funding options - [Choosing Between Business Loans in Grants Pass, OR: Owner Guide](https://sableleaflending.com/business-loans/): This page compares the six funding types Sableleaf Lending works with: working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. It sets out what each suits, how it is paid down or collected, and how bank loans, secured and unsecured loans and outside investors differ. A funding partner reviews any request and sets its terms. - [Working Capital Loans Around Grants Pass, OR and Josephine County, OR](https://sableleaflending.com/business-loans/working-capital/): Working capital funding bridges the weeks between paying wages and suppliers and collecting from customers. This page explains what a working capital loan is, how to calculate the requirement from your own cash cycle, what the working capital to revenue ratio shows, and how a new contracting company in Josephine County, OR can think about funding its first payrolls. - [Comparing Business Term Loans in Grants Pass, OR: Owner Guide](https://sableleaflending.com/business-loans/term-loans/): A business term loan pays out one amount and is paid down in equal installments over a set number of months. This page explains term loans for owners in Josephine County, OR: financing the purchase of an existing business, how the length of the term changes the payment and total cost, how short-term and app-based loans compare, and what happens when a term loan stops performing. - [Business Lines of Credit for Grants Pass, OR Companies: Owner Guide](https://sableleaflending.com/business-loans/line-of-credit/): A business line of credit sets a limit the business can draw on, pay down and draw on again, with interest charged only on the balance in use. This page explains how business lines of credit work for owners in Josephine County, OR: revolving versus non-revolving lines, commercial lines, collateral, what happens when a line matures, and how a line can affect credit utilization. - [Inventory Financing in Grants Pass, OR: Owner Guide](https://sableleaflending.com/business-loans/inventory-financing/): Inventory financing pays for goods a business buys before it sells them, secured by that stock in many agreements. This page covers inventory financing for Josephine County, OR stores, distributors and suppliers: the main types, what an inventory financing agreement contains, buying holiday or preseason stock early, and how inventory financing differs from supply chain financing. - [Equipment Financing Around Grants Pass, OR and Josephine County, OR: Owner Guide](https://sableleaflending.com/equipment-financing/): Equipment financing pays for a machine or a set of them with a loan or a lease, secured by the equipment. This page covers five kinds of equipment owners in Josephine County, OR finance (restaurant kitchens, landscaping, dental and medical, gym and salon), how an equipment loan works, how leasing companies work, and how to decide between leasing and buying. The calculator prices a quote. - [Merchant Cash Advances in Grants Pass, OR: A Practical Walkthrough](https://sableleaflending.com/merchant-cash-advance/): A merchant cash advance buys a share of a business's future card or bank receipts at a discount and collects it as those receipts arrive. It is not a loan. This page explains the factor rate, the holdback, how remittance works, how to read approval claims and compare providers, and how an advance differs from revenue-based financing, for owners in Josephine County, OR. ## Industries - [Which Grants Pass, OR Industries We Fund, and How: Owner Guide](https://sableleaflending.com/industries/): Sableleaf Lending, a business funding company in Grants Pass, OR, groups funding notes by industry: food and drink, health care, trades, auto and fuel, retail, lodging, personal care and other businesses. Twelve industries have full pages; the rest have a short note here with Josephine County, OR counts from the Census Bureau and the funding types worth pricing. - [Restaurant Loans, Grants Pass, OR: How Funding Fits](https://sableleaflending.com/industries/restaurants/): Sableleaf Lending, a business funding company in Grants Pass, OR, explains restaurant loans for Josephine County, OR kitchens: equipment loans for ranges, hoods and walk-ins, bank loans and other restaurant lenders, cash advances against card sales, and working capital for payroll. County restaurant counts, payroll and ZIP figures come from the Census Bureau. - [Medical Practice Loans, Grants Pass, OR: How Funding Fits](https://sableleaflending.com/industries/medical-practices/): Sableleaf Lending, a business funding company in Grants Pass, OR, explains medical practice loans for Josephine County, OR physician offices and clinics: equipment loans for doctors, working capital while insurance payments are pending, physical therapy and veterinary clinics, and financing the purchase of a practice. County physician counts and payroll come from the Census Bureau. - [Dental Office Loans, Grants Pass, OR: How Funding Fits](https://sableleaflending.com/industries/dental-practices/): Sableleaf Lending, a business funding company in Grants Pass, OR, explains dental office loans for Josephine County, OR practices: dental equipment loans for chairs and imaging, working capital, financing the acquisition of a practice, and how to read a practice's cash flow before borrowing. County dentist counts, payroll and ZIP figures come from the Census Bureau. - [Retail Business Loans for Josephine County, OR Owners in Grants Pass, OR](https://sableleaflending.com/industries/retail/): Sableleaf Lending, a business funding company in Grants Pass, OR, explains retail business loans for Josephine County, OR stores: funding inventory for a boutique, retail store financing for remodels and fixtures, working capital and credit lines, and how to read a retail working capital ratio. County retail counts, payroll and ZIP figures come from the Census Bureau. - [Contractor Business Loans in Grants Pass, OR: Cash Flow, Equipment and Expansion](https://sableleaflending.com/industries/construction/): Sableleaf Lending, a business funding company in Grants Pass, OR, explains contractor business loans for Josephine County, OR builders and trades: credit lines for materials and payroll, construction equipment financing, retainage and how it affects cash flow, and how to build a cash flow projection before borrowing. County construction counts, payroll and permits come from the Census Bureau. - [Grocery Store Loans for Josephine County, OR Owners in Grants Pass, OR](https://sableleaflending.com/industries/grocery-stores/): Sableleaf Lending, a business funding company in Grants Pass, OR, explains grocery store loans for Josephine County, OR grocers: financing stock and refrigeration, how to buy an existing grocery store, what grocery store loan requirements look like, and which financial statements a funding partner reads. County grocery counts and payroll come from the Census Bureau, with convenience stores separated out. - [Auto Repair Shop Loans for Josephine County, OR Businesses in Grants Pass, OR](https://sableleaflending.com/industries/auto-repair/): Sableleaf Lending, a business funding company in Grants Pass, OR, explains auto repair shop loans for Josephine County, OR garages and body shops: financing lifts, alignment racks and diagnostic tools, working capital for parts and fleet accounts, the working capital formula for a shop, and buying an existing shop. County shop counts and payroll come from the Census Bureau. - [Landscaping Equipment Financing for Grants Pass, OR Owners](https://sableleaflending.com/industries/landscaping/): Sableleaf Lending, a business funding company in Grants Pass, OR, explains landscaping equipment financing for Josephine County, OR crews: loans and leases for mowers, trailers, trimmers and loaders, a lawn care equipment list with what each item does to a budget, how landscaping financing companies differ, and working capital between invoices. County landscaping counts come from the Census Bureau. - [Hotel and Motel Loans for Grants Pass, OR Owners: Renovations, Furnishings and Cash Flow](https://sableleaflending.com/industries/hotels-motels/): Sableleaf Lending, a business funding company in Grants Pass, OR, explains hotel and motel loans for Josephine County, OR lodging owners: FF&E financing for rooms and lobbies, renovation and working capital funding, how hotel lenders and motel financing companies differ, and financing the purchase of a lodging business's operations. Mortgages and property loans are outside this site. County figures come from the Census Bureau. - [Coffee Shop Loans in Grants Pass, OR: Equipment, Payroll and Growth](https://sableleaflending.com/industries/coffee-shops/): Sableleaf Lending, a business funding company in Grants Pass, OR, explains coffee shop loans for Josephine County, OR cafes and bakeries: financing espresso machines and grinders, cafe build-outs, payroll funding, how to buy an existing bakery, and what a coffee shop loan request includes. County figures for snack and coffee bars come from the Census Bureau. - [Chiropractic and Therapy Practice Loans Around Grants Pass, OR](https://sableleaflending.com/industries/chiropractors-and-therapists/): Sableleaf Lending, a business funding company in Grants Pass, OR, explains chiropractic practice loans and physical therapy loans for Josephine County, OR clinics: equipment financing for tables, decompression and therapy equipment, working capital while insurance payments are pending, how chiropractic financing companies differ, and how optometrists price an equipment list. County figures come from the Census Bureau. - [Gas Station Loans and Lines of Credit in Grants Pass, OR](https://sableleaflending.com/industries/gas-stations-convenience-stores/): Sableleaf Lending, a business funding company in Grants Pass, OR, explains gas station loans for Josephine County, OR stations and convenience stores: how to get a business loan for a gas station, how to buy an existing station's business, financing fuel and store inventory, and equipment such as coolers and dispensers. Real estate lending is outside this site. County figures come from the Census Bureau. ## Guides and calculators - [Grants Pass, OR Owner Toolkit: Owner Guide](https://sableleaflending.com/resources/): Sableleaf Lending, a business funding company in Grants Pass, OR, publishes guides for Josephine County, OR owners: how banks, credit unions and online lenders differ in Oregon, how to look up an Oregon CCB contractor license, where Grants Pass business licenses and permits are handled, and a dental practice cash flow calculator for testing a loan payment. - [Business Lenders in Oregon Guide for Grants Pass, OR Companies](https://sableleaflending.com/resources/business-lenders-in-oregon/): This guide from Sableleaf Lending, a business funding company in Grants Pass, OR, compares the lenders Oregon small businesses borrow from: commercial banks, credit unions, online lenders and equipment and specialty finance companies. It explains what each reviews, which funding types each offers, how to prepare one file that works for all of them, and where Josephine County, OR fits in the state's numbers. - [Oregon CCB License Lookup: Notes From Grants Pass, OR](https://sableleaflending.com/resources/oregon-ccb-license-lookup/): This guide from Sableleaf Lending, a business funding company in Grants Pass, OR, explains the Oregon Construction Contractors Board license lookup: searching by license number or by business name, reading what the record shows, and why a contractor's customers, a business hiring for a remodel, and a funding partner each check it. Licensing rules themselves are set by the CCB. - [Grants Pass, OR Business License and Permits: A Funding-Side Checklist](https://sableleaflending.com/resources/grants-pass-or-business-license-and-permits/): This guide from Sableleaf Lending, a business funding company in Grants Pass, OR, covers the local paperwork behind a funding request: where to search for a Grants Pass business license, how the zoning code affects a new location, where Josephine County, OR building permits are handled, and which records to keep on hand. Fees and rules are set by each office; confirm them there. - [Dental Practice Cash Flow Calculator for Grants Pass, OR Businesses](https://sableleaflending.com/resources/dental-practice-cash-flow-calculator/): This page from Sableleaf Lending, a business funding company in Grants Pass, OR, pairs a loan payment calculator with a step-by-step dental practice cash flow worksheet. Enter an amount, a rate and a term to get the payment, then set that payment against monthly collections, operating costs and existing debt. A labeled example shows the arithmetic; nothing here is an offer. ## Areas served - [Business Funding for Grants Pass, OR and Josephine County, OR: Owner Guide](https://sableleaflending.com/grants-pass-or/): Sableleaf Lending, a business funding company in Grants Pass, OR, publishes this page of Josephine County, OR business data: employer and nonemployer counts, size classes, leading sectors, postal ZIP figures, self-employment and building permits from the Census Bureau, plus where to look for licenses, permits, codes and businesses for sale, and how local lender types differ. - [Where We Fund Businesses Near Grants Pass, OR: Owner Guide](https://sableleaflending.com/service-areas/): Sableleaf Lending, a business funding company in Grants Pass, OR, serves Josephine County, OR by phone and online request form. This page gives short notes on nearby towns without their own page, labels each ZIP figure as a ZIP figure, explains which towns sit across the county line in Jackson County, OR, and points to the county data on the city page. ## Company - [Small Business Loans in Grants Pass, OR: Funding for Kitchens, Clinics, Trades and Stores](https://sableleaflending.com/): Sableleaf Lending helps owners in Grants Pass and Josephine County, OR compare six funding types and send one request. Describe what the money is for and when cash comes back; a funding partner reviews the request and decides on any offer. The site covers each funding type, twelve local industries, Oregon guides and county Census figures. - [How to Get a Business Loan in Grants Pass, OR: A Practical Walkthrough](https://sableleaflending.com/how-it-works/): This page walks through a funding request with Sableleaf Lending from the first call or form to a funding partner's decision. It explains what lenders look for in bank statements, which factors shape how long a small business loan takes from a bank or another partner, and what the business decides at each step. No timeline is promised; each partner sets its own. - [Business Loan Questions From Grants Pass, OR Owners: A Practical Walkthrough](https://sableleaflending.com/faq/): This page answers common questions about business loans for owners in Grants Pass and Josephine County, OR: whether business loans need a down payment, whether credit unions make business loans, what credit is needed, what banks look for, what loans are used for, how much to borrow, and what happens if a loan cannot be paid. Each answer links to the page that goes deeper. - [The People Behind Sableleaf Lending in Grants Pass, OR: A Practical Walkthrough](https://sableleaflending.com/about/): Sableleaf Lending is a Grants Pass, OR company that helps local owners request business funding. It explains six funding types, helps an owner shape one request, and sends it to funding partners who review it and decide. Requests can be sent by phone at (541) 229-5327 or through the request form. - [Talk to Sableleaf Lending About Funding in Grants Pass, OR: A Practical Walkthrough](https://sableleaflending.com/contact/): Reach Sableleaf Lending by calling (541) 229-5327 or by filling in the online request form. This page gives the listed location in Grants Pass, OR, explains what to have ready for the first call, how to follow up on an open request, and how owners outside Josephine County, OR can reach the company. - [Apply for Business Funding in Grants Pass, OR: A Practical Walkthrough](https://sableleaflending.com/apply/): The Sableleaf Lending request form asks for full name, phone, email, a company name if there is one, and three ranges: time in business, annual revenue and the amount requested. It ends with a required consent box. This page explains the form, the documents a funding partner may ask for later, and what a term sheet contains. - [What Sableleaf Lending Discloses to Grants Pass, OR Applicants: Owner Guide](https://sableleaflending.com/disclosures/): Sableleaf Lending is a small-business funding broker, not a lender. It does not make credit decisions or set rates or terms. Funding partners review each request and decide. A merchant cash advance is a purchase of future receivables, not a loan. ## Optional - [Full text of every page](https://sableleaflending.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://sableleaflending.com/sitemap.xml)