What Wheatvale does: asks about the cost and its timing, gathers the request, and sends it to funding partners. What it does not do: approve, price or fund a request. That belongs to the partner.
Why Wheatvale Asks a Contractor About Draw Schedules First
A contractor's cash problem is rarely the size of the job. It is the calendar: crews and suppliers are paid weeks before the owner releases a draw. So the first question Wheatvale asks a builder is when each draw is scheduled and what has to be paid before it arrives.
The answer often points to the funding type before anything else is discussed. A gap that opens on every job points to a line of credit. A single large gap on one contract points to working capital. A machine needed for the work points to equipment financing.
Builders, Landscapers, Salons and Dentists in the Scott County, MN Census Counts
The trades this site writes about were chosen from Census counts for Scott County, MN. Construction had 637 employer establishments in 2023, more than any other sector in the county. Landscaping services had 125, beauty salons 35, nail salons 15 and offices of dentists 51 (Census County Business Patterns).
Those counts describe the county's businesses, not Wheatvale's callers. They are why the industry pages cover builders, landscapers, salons and dental offices first, alongside auto repair, child care, machine shops, chiropractic and therapy offices, insurance agencies and plumbing and HVAC contractors.
Why Wheatvale Starts a Request With the Auto Repair Shop's Own Numbers
An auto repair shop asking for money for a lift has already done the hard part of the thinking: it knows what it needs. The useful next step is the shop's own numbers: monthly revenue, the share from fleet or insurance customers, current loan payments and how long technicians wait on parts. Those figures show whether a payment fits, and they are the same figures a partner reads.
Starting there keeps the request honest. If the numbers show that a smaller lift, a lease or a later purchase fits better, that is worth knowing before a partner sees the file.
What Wheatvale Does and What the Funding Partner Decides
Wheatvale gathers the request, asks about the cost and its timing, and passes the request to funding partners. It does not approve requests, set rates or lend money. Each funding partner reviews the request on its own terms and decides whether to make an offer.
Any offer that comes back is yours to read and compare. Accepting or declining is always your decision. Questions about a specific offer belong with the partner that made it, and general questions can go to Wheatvale at (612) 608-4508. The contact page has the office address and a map, and how a request moves lays out each step.
By Wheatvale Lenders · Updated
