# Wheatvale Lenders > Wheatvale Lenders is a small-business funding broker at 118 Holmes St S, Shakopee, MN 55379 (phone (612) 608-4508). It helps businesses in Shakopee, MN; Prior Lake, MN; Savage, MN; Chaska, MN; Chanhassen, MN and across Scott County, Minnesota, explore business lines of credit, working capital loans, equipment loans and leases, business term loans, inventory financing, and merchant cash advances. Wheatvale Lenders passes business funding requests to funding partners; the partner reviewing a request decides on any approval, amount, rate and terms. Wheatvale Lenders is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Wheatvale Lenders does not arrange personal, payday, auto title, mortgage, student or SBA loans, does not offer grants, and does not arrange funding for trucking or agriculture. Key facts: - Business type: small-business funding broker (not a lender) - Address: 118 Holmes St S, Shakopee, MN 55379, United States - Phone: (612) 608-4508 - Apply: https://wheatvalelenders.com/apply/ - Service area: Shakopee, MN; Prior Lake, MN; Savage, MN; Chaska, MN; Chanhassen, MN and all of Scott County, Minnesota - Language: English ## Funding options - [Business Funding Options in Shakopee, MN, Sorted by Job, Season and Purchase](https://wheatvalelenders.com/business-loans/): Six funding types side by side: a revolving line, working capital, term loans, equipment financing, inventory financing and merchant cash advances. Each section says what it fits and how it is paid back or collected. - [Working Capital Loans in Shakopee, MN: Crew Payroll and Materials Between Draws](https://wheatvalelenders.com/business-loans/working-capital/): One amount, repaid on a schedule, for operating costs that come due before the income behind them. It fits a gap with a known end; a gap that repeats every month may fit a credit line better. - [Business Term Loans in Shakopee, MN for Buying a Practice or a Trade Business](https://wheatvalelenders.com/business-loans/term-loans/): A lump sum repaid in fixed installments over a set term, for purchases and projects that last. The partner sets the amount, the rate, the term and any collateral; the buyer decides whether the numbers work. - [Business Line of Credit in Shakopee, MN: Draws Between Progress Payments](https://wheatvalelenders.com/business-loans/line-of-credit/): A revolving limit for timing gaps that repeat: draws, interest on the drawn part only, and room that opens again as the balance comes down. The funding partner sets the limit, the price and the review schedule. - [Inventory Financing in Shakopee, MN for Lumber, Parts and Salon Retail Stock](https://wheatvalelenders.com/business-loans/inventory-financing/): Funding for stock bought ahead of sales, often secured by the stock itself, and repaid as the goods sell. It suits businesses with a predictable sell-through; a partner reads past turns and margins before setting an amount. - [Equipment Financing in Shakopee, MN: Skid Steers, Press Brakes and Dental Chairs](https://wheatvalelenders.com/equipment-financing/): A loan or lease for a specific machine, normally secured by that machine, with a term set near its useful life. The partner reads the quote, the business and the equipment type before setting the amount, rate and term. - [Merchant Cash Advance in Shakopee, MN for Salons, Cafes and Shops With Card Sales](https://wheatvalelenders.com/merchant-cash-advance/): A provider pays a lump sum for a fixed amount of future card sales and collects a set share of daily card receipts until that amount is reached. It is not a loan; the cost is set at signing, so compare it in total dollars. ## Industries - [Business Loans by Industry in Shakopee, MN: Builders, Landscapers, Salons and Shops](https://wheatvalelenders.com/industries/): Twelve trade pages plus notes on physicians, hotels, grocery stores, gyms and other Scott County, MN trades. Each note gives the county count and the funding types that fit. - [Construction Business Loans in Shakopee, MN: Skid Steers, Work Trucks and Retainage Gaps](https://wheatvalelenders.com/industries/construction/): For the machine: equipment financing. For draw gaps that repeat: a line of credit. For one long gap on a large contract: working capital. Partners read the contract, the draw schedule and the job list. - [Business Loans for Retail in Shakopee, MN, From POS Systems to a Storefront Upgrade](https://wheatvalelenders.com/industries/retail/): Stock, fixtures, signage and a second storefront each fit a different funding type. Partners read sales by month, stock turns and supplier terms before setting an amount. - [Restaurant Loans in Shakopee, MN: Walk-In Coolers, Fryers and a Dining-Room Remodel](https://wheatvalelenders.com/industries/restaurants/): Kitchen equipment fits equipment financing; a remodel or second location fits a term loan; food-order and payroll swings fit a line of credit. Partners read card and bank deposits, food and labor costs and the lease. - [Salon Business Loans in Shakopee, MN: Pedicure Chairs, Dryers and Retail Product](https://wheatvalelenders.com/industries/salons/): Chairs, dryers and ventilation fit equipment financing; a suite build-out fits a term loan; retail product and slow weeks fit working capital or a line. Partners read card deposits, booth-rent income and the lease. - [Shakopee, MN Dental Office Loans: CBCT Scanners, Sterilizers and an Operatory Build-Out](https://wheatvalelenders.com/industries/dental-practices/): Imaging and chairs fit equipment financing; an operatory build-out or a practice purchase fits a term loan; claim timing fits a line of credit. Partners read collections, payer mix and the seller's or practice's history. - [Landscaping Equipment Financing in Shakopee, MN: Dump Trailers and Sod and Stone Orders](https://wheatvalelenders.com/industries/landscaping/): Machines fit equipment financing; sod, stone and seasonal payroll fit working capital or a line of credit. Partners read contracts, last year's revenue by month and the equipment quotes. - [Auto Repair Shop Loans in Shakopee, MN: Scan Tools, Alignment Racks and a Bay Expansion](https://wheatvalelenders.com/industries/auto-repair/): Lifts, racks and tools fit equipment financing; tire and parts stock fit a line or inventory financing; a bay expansion or shop purchase fits a term loan. Partners read revenue by type, bay count and existing leases. - [Shakopee, MN Daycare Center Financing: Playground Equipment, Passenger Vans and Payroll](https://wheatvalelenders.com/industries/child-care/): Vans, playground equipment and kitchen gear fit equipment financing; a second center fits a term loan; payroll gaps fit working capital or a line. Partners read enrollment, tuition and subsidy income and staffing. - [Machine Shop Loans in Shakopee, MN: Lathes, Press Brakes and Long Receivables](https://wheatvalelenders.com/industries/machine-shops/): CNC machines, press brakes and lasers fit equipment financing; bar stock and long receivables fit a line of credit; a second building or a shop purchase fits a term loan. Partners read the quote, customer terms and backlog. - [Chiropractic Practice Loans in Shakopee, MN: X-Ray Units and a Clinic Build-Out](https://wheatvalelenders.com/industries/chiropractors-and-therapists/): Tables, X-ray units and EHR hardware fit equipment financing; a build-out or second location fits a term loan; insurance lags fit a line of credit. Partners read collections, payer mix and visit volume. - [Shakopee, MN Insurance Agency Loans: Phone Systems, Office Furniture and Producer Hiring](https://wheatvalelenders.com/industries/insurance-agencies/): A book or agency purchase fits a term loan; producer hiring and commission timing fit a line of credit or working capital; phones, workstations and furniture fit equipment financing. Partners read commission statements and retention. - [HVAC Business Loans in Shakopee, MN: Jetters, Diagnostic Tools and Parts Stock](https://wheatvalelenders.com/industries/plumbing-hvac/): Vans, upfits, jetters and diagnostic tools fit equipment financing; parts stock and job-cost gaps fit a line of credit; buying a shop fits a term loan. Partners read job volume, receivables and the equipment quotes. ## Guides and calculators - [Shakopee, MN Funding Guides: Zoning, Withholding Registration, Commercial Space](https://wheatvalelenders.com/resources/): Zoning and permits from the City of Shakopee's own pages, withholding basics from the Minnesota Department of Revenue, and a worked job estimate. - [Shakopee, MN Zoning Map and Building Permits for Shops and Contractors](https://wheatvalelenders.com/resources/shakopee-zoning-and-building-permits/): Where the Shakopee zoning map is, which requests go to the Planning Commission or City Council, which projects need building permits, and how to line those steps up with a funding request. Confirm every detail with the city. - [Minnesota Withholding Tax Registration for Shakopee, MN Employers Adding Crews](https://wheatvalelenders.com/resources/minnesota-withholding-tax-registration/): What withholding is, the forms the Department of Revenue names, how registration and payroll records fit a funding request, and a worked example of payroll weeks before revenue arrives. Registration rules and deadlines come from the Department of Revenue; confirm them there. - [Job Estimator Calculator for Shakopee, MN Contractors Pricing Before a Draw](https://wheatvalelenders.com/resources/job-cost-estimator-calculator/): Five lines: materials, burdened labor, equipment, subcontractors, then overhead, contingency and margin. Then the deposit, the draw and the gap between them. No calculator widget; the arithmetic is shown in full. ## Areas served - [Business Loans in Shakopee, MN: Construction, Trades and Health Care Employers](https://wheatvalelenders.com/shakopee-mn/): Census counts for ZIP 55379, notes for child care centers, restaurants, downtown shops and dental offices, and the City of Shakopee offices and programs an owner can contact directly. - [Business Funding Across Scott County, MN: Prior Lake, MN, Savage, MN and Smaller Towns](https://wheatvalelenders.com/service-areas/): Three ZIP codes compared, notes for buyers, dental offices and landscapers anywhere in the county, and short notes on Jordan, Belle Plaine, New Prague and Elko New Market. - [Business Loans in Prior Lake, MN for Lakeside Shops, Trades and Practices](https://wheatvalelenders.com/service-areas/prior-lake-mn/): ZIP 55372 counts, with notes on zoning checks before a remodel or lease, and what a buyer of an existing business brings to a partner. - [Business Loans in Savage, MN for Contractors, Repair Shops and Retail Centers](https://wheatvalelenders.com/service-areas/savage-mn/): ZIP 55378 counts, notes on zoning before a remodel or a lease, and what child care centers commonly finance. ## Company - [Small Business Loans in Shakopee, MN: Builders, Landscapers, Salons and Dentists](https://wheatvalelenders.com/): A Shakopee, MN office that takes funding requests by phone and online, asks what the money is for and when the income behind it arrives, and passes the request to funding partners who make the decision. Six funding types, twelve trade pages and local guides. - [Business Loan Requirements in Shakopee, MN and the Steps From Call to Offer](https://wheatvalelenders.com/how-it-works/): Four steps: describe the cost, gather the records a partner reads, the partner reviews and decides, and you accept or decline any offer. Nothing is accepted on your behalf. - [Shakopee, MN Business Funding FAQ for Contractors, Landscapers and Practices](https://wheatvalelenders.com/faq/): Five topics, each with an example from a local trade. For anything not covered, call Wheatvale and describe the cost. - [About Wheatvale Lenders: Funding Requests From Shakopee, MN Trades and Practices](https://wheatvalelenders.com/about/): 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. - [Contact Wheatvale Lenders in Shakopee, MN About a Business Line of Credit](https://wheatvalelenders.com/contact/): One phone number, one online form and one office address. No email address is published; requests go by phone or through the form. - [Apply for Business Funding in Shakopee, MN: What the Request Covers](https://wheatvalelenders.com/apply/): The form opens a conversation. Records come later, and only the funding partner reviewing the request decides on an offer. - [Disclosures for Wheatvale Lenders, Shakopee, MN](https://wheatvalelenders.com/disclosures/): Wheatvale Lenders in Shakopee, Minnesota is a business funding broker. It is not a lender. ## Optional - [Full text of every page](https://wheatvalelenders.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://wheatvalelenders.com/sitemap.xml)