# Brookharbor Lenders > Brookharbor Lenders is a small-business funding broker at 240 Capitol St, Charleston, WV 25301 (phone (304) 892-6094). It helps businesses in Charleston, WV; South Charleston, WV; St. Albans, WV and across Kanawha County, West Virginia, explore equipment loans and leases, working capital loans, business term loans, business lines of credit, inventory financing, and merchant cash advances. Brookharbor Lenders passes funding requests to funding partners; each partner reviews a request and makes its own credit decision, rates and terms. Brookharbor Lenders is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Brookharbor Lenders does not arrange personal, payday, auto title, mortgage, startup or SBA loans, does not offer grants or litigation funding, and does not arrange funding for trucking or agriculture. Key facts: - Business type: small-business funding broker (not a lender) - Address: 240 Capitol St, Charleston, WV 25301, United States - Phone: (304) 892-6094 - Apply: https://brookharborlenders.com/apply/ - Service area: Charleston, WV; South Charleston, WV; St. Albans, WV and all of Kanawha County, West Virginia - Language: English ## Funding options - [Compare Business Financing Options in Charleston, WV, From Dental Chairs to Draw Lines](https://brookharborlenders.com/business-loans/): Brookharbor Lenders in Charleston, West Virginia compares six funding types here: equipment financing, working capital loans, term loans, lines of credit, inventory financing and merchant cash advances. Terms on any request are set by the funding partner reviewing it. - [Working Capital Loans in Charleston, WV for Payroll, Case Costs and Claim Gaps](https://brookharborlenders.com/business-loans/working-capital/): Brookharbor Lenders in Charleston, West Virginia passes working capital requests from Kanawha County practices, firms and shops to funding partners. This page covers payroll gaps, billing in arrears, the line-of-credit alternative and the records a partner may read. - [Business Term Loans in Charleston, WV for Buy-Ins, Agency Purchases and Remodels](https://brookharborlenders.com/business-loans/term-loans/): Brookharbor Lenders in Charleston, West Virginia passes term-loan requests from Kanawha County businesses to funding partners. This page covers buying an existing business, comparisons with an advance and a revolver, short- versus long-term loans and the records a partner may want. - [Business Lines of Credit in Charleston, WV for Case Costs, Claims and Supplier Bills](https://brookharborlenders.com/business-loans/line-of-credit/): Brookharbor Lenders in Charleston, West Virginia passes line-of-credit requests from Kanawha County firms, clinics and restaurants to funding partners. This page covers how lines work, limits and covenants, seasonal use, the cash advance comparison and renewal. - [Inventory Financing in Charleston, WV for Store Stock, Salon Product and Parts](https://brookharborlenders.com/business-loans/inventory-financing/): Brookharbor Lenders in Charleston, West Virginia passes inventory financing requests from Kanawha County stores, salons and parts counters to funding partners. This page covers lines and loans for stock, county retail counts and an invented opening-order example. - [Equipment Financing in Charleston, WV: Dental Chairs, Kitchen Lines, Salon Stations](https://brookharborlenders.com/equipment-financing/): Brookharbor Lenders in Charleston, West Virginia passes equipment financing requests to funding partners: loans and leases for practice, kitchen, salon, office and gym equipment across Kanawha County. Partners review the quote and the business and set any terms. - [Merchant Cash Advance in Charleston, WV: Card-Sales Funding for Restaurants and Salons](https://brookharborlenders.com/merchant-cash-advance/): Brookharbor Lenders in Charleston, West Virginia passes merchant cash advance requests from Kanawha County card-heavy businesses to providers. In law and in practice, the advance is a purchase of future receivables and not a loan. This page explains holdbacks, factor rates and how to compare an advance with a loan. ## Industries - [Business Loans by Industry in Charleston, WV: Practices, Law Firms, Kitchens and Crews](https://brookharborlenders.com/industries/): Brookharbor Lenders in Charleston, West Virginia takes requests from every kind of business except trucking and agriculture. Fourteen industry pages are linked from here, with Census-based notes on other Kanawha County trades. - [Construction Business Loans in Charleston, WV for Builders and Commercial Trades](https://brookharborlenders.com/industries/construction/): Brookharbor Lenders in Charleston, West Virginia passes funding requests from Kanawha County builders and specialty trades to funding partners. This page covers progress payments, equipment, lender choices, retainage, county contractor counts and the records a partner may read. - [Business Loans for Retail in Charleston, WV: Downtown Stock, Fixtures and Remodels](https://brookharborlenders.com/industries/retail/): Brookharbor Lenders in Charleston, West Virginia passes funding requests from Kanawha County stores to funding partners. This page covers stock, fixtures, refits, second shops, lender comparisons and county retail counts. - [Restaurant Loans in Charleston, WV for Downtown Kitchens, Bars and Takeout Counters](https://brookharborlenders.com/industries/restaurants/): Brookharbor Lenders in Charleston, West Virginia passes restaurant funding requests from Kanawha County kitchens to funding partners. This page covers equipment, expansions, financing options, slow-week cash flow and county restaurant counts. - [Medical Practice Loans in Charleston, WV for Buy-Ins, Imaging and Exam Rooms](https://brookharborlenders.com/industries/medical-practices/): Brookharbor Lenders in Charleston, West Virginia passes funding requests from Kanawha County physician practices to funding partners. This page covers adding a provider, equipment, what partners require, buy-ins, purchases and county physician counts. - [Dental Office Loans in Charleston, WV for Chairs, Imaging and Practice Purchases](https://brookharborlenders.com/industries/dental-practices/): Brookharbor Lenders in Charleston, West Virginia passes funding requests from Kanawha County dental offices to funding partners. This page covers operatory equipment, remodels, acquisitions, what transfers in a sale, a checklist and county dental counts. - [Salon Business Loans in Charleston, WV for Stations, Suites and Product Stock](https://brookharborlenders.com/industries/salons/): Brookharbor Lenders in Charleston, West Virginia passes funding requests from Kanawha County salons and barber shops to funding partners. This page covers chairs and stations, moves, remodels, retail product, county counts and the records a salon can show. - [Auto Repair Shop Loans in Charleston, WV for Lifts, Bays and Diagnostic Gear](https://brookharborlenders.com/industries/auto-repair/): Brookharbor Lenders in Charleston, West Virginia passes funding requests from Kanawha County repair shops to funding partners. This page covers bays, diagnostic tools, buildings, lifts and racks, county repair counts and the records a partner may read. - [Grocery Store Loans in Charleston, WV for Freezer Cases, Shelving and Bulk Buys](https://brookharborlenders.com/industries/grocery-stores/): Brookharbor Lenders in Charleston, West Virginia passes funding requests from Kanawha County grocers and corner stores to funding partners. This page covers cases and refrigeration, convenience stores, bulk buys, liquor store questions and county grocery counts. - [Daycare Center Financing in Charleston, WV for Classrooms, Vans and Payroll](https://brookharborlenders.com/industries/child-care/): Brookharbor Lenders in Charleston, West Virginia passes funding requests from Kanawha County child care centers to funding partners. This page covers added rooms, payroll gaps, buildings, options, equipment and county child care counts. - [Landscaping Equipment Financing in Charleston, WV for Mowers, Blowers and Loaders](https://brookharborlenders.com/industries/landscaping/): Brookharbor Lenders in Charleston, West Virginia passes funding requests from Kanawha County landscaping crews to funding partners. This page covers mowers, loaders, trucks, contracts, a second crew and county landscaping counts. - [Hotel Loans in Charleston, WV for Guest-Room Refreshes, FF&E and Payroll](https://brookharborlenders.com/industries/hotels-motels/): Brookharbor Lenders in Charleston, West Virginia passes non-mortgage funding requests from Kanawha County hotels, motels and inns to funding partners. This page covers FF&E, renovations, occupancy records, payroll, PTAC units and county lodging counts. - [Law Firm Loans in Charleston, WV for Case Costs, Partner Buy-Ins and Office Moves](https://brookharborlenders.com/industries/law-firms/): Brookharbor Lenders in Charleston, West Virginia passes funding requests from Kanawha County law offices to funding partners. This page covers financing options, payroll between settlements, practice purchases, case-cost lines, county legal counts and the records a firm can show. - [Chiropractic Practice Loans in Charleston, WV for Tables, X-Ray and New Offices](https://brookharborlenders.com/industries/chiropractors-and-therapists/): Brookharbor Lenders in Charleston, West Virginia passes funding requests from Kanawha County chiropractic and therapy clinics to funding partners. This page covers tables and rehab space, X-ray, claims gaps, second offices and county practitioner counts. - [Insurance Agency Loans in Charleston, WV for Book Purchases and New Producers](https://brookharborlenders.com/industries/insurance-agencies/): Brookharbor Lenders in Charleston, West Virginia passes funding requests from Kanawha County insurance agencies to funding partners. This page covers book purchases, how renewals are valued, hiring, buying from a retiring agent, county counts and the records a partner reads. ## Guides and calculators - [Business Loan Guides for Charleston, WV: Zoning, Lender Types and WV Registration](https://brookharborlenders.com/resources/): Guides from Brookharbor Lenders in Charleston, West Virginia on city permits, lender types in the state, the business registration certificate, and an amortization calculator. - [Charleston, WV Zoning Map and Building Permits Before an Office or Kitchen Upfit](https://brookharborlenders.com/resources/charleston-wv-zoning-and-building-permits/): A guide from Brookharbor Lenders in Charleston, West Virginia to the city zoning map, zoning ordinance, building permits, occupancy approval and business registration, written for owners planning an upfit funded by a loan. - [Types of Business Lenders in West Virginia, Compared for Charleston, WV Owners](https://brookharborlenders.com/resources/types-of-business-lenders-in-west-virginia/): A guide from Brookharbor Lenders in Charleston, West Virginia to the kinds of business lenders a Kanawha County owner will meet, what each tends to review, and where a service that passes requests to funding partners fits. - [WV Business Registration Certificate for Charleston, WV Owners Before a Loan Request](https://brookharborlenders.com/resources/wv-business-registration-certificate/): A guide from Brookharbor Lenders in Charleston, West Virginia to the state business registration certificate: who issues it, how to apply, the fee, how it is checked, and how it sits beside city registration in a funding file. - [Commercial Loan Amortization Calculator for Charleston, WV Practices and Firms](https://brookharborlenders.com/resources/commercial-loan-amortization-calculator/): An amortization calculator from Brookharbor Lenders in Charleston, West Virginia, with notes on reading a schedule, balloon payments and what an estimate leaves out. ## Areas served - [Business Loans in Charleston, WV: Kanawha County, WV Practices, Firms and Restaurants](https://brookharborlenders.com/charleston-wv/): Brookharbor Lenders, in Charleston, West Virginia, passes funding requests from city and Kanawha County businesses to funding partners. This page gathers the county and ZIP figures, the city steps a funding file may touch and the office location. - [Business Funding Across Kanawha County, WV: From South Charleston, WV to Sissonville, WV](https://brookharborlenders.com/service-areas/): Funding requests reach Brookharbor Lenders in Charleston, West Virginia from all over Kanawha County. This page explains which towns have pages, covers the rest with labeled ZIP figures, and notes the county records a funding file may touch. - [Business Loans for South Charleston, WV Shops, Offices and Industrial Suppliers](https://brookharborlenders.com/service-areas/south-charleston-wv/): Owners in South Charleston, WV reach Brookharbor Lenders in Charleston the same way city businesses do. ZIP 25309 had 363 employer establishments in 2023, with retail trade the largest sector by count (ZIP Code Business Patterns). Funding partners review each request. ## Company - [Small Business Loans in Charleston, WV: Law Offices, Clinics, Kitchens and Crews](https://brookharborlenders.com/): From its Charleston, West Virginia office, Brookharbor Lenders puts together small-business funding requests and sends them to funding partners. It starts from the purchase or the gap, narrows six funding types to the ones that suit it, and passes the request on; each partner reviews it and decides on any approval, amount and terms. - [How to Qualify for a Business Loan in Charleston, WV: Records, Review and an Offer](https://brookharborlenders.com/how-it-works/): Brookharbor Lenders in Charleston, West Virginia handles the first call and the request; funding partners handle the review and the decision. This page explains each step, the records partners commonly ask for and how to read an offer. - [Charleston, WV Business Loan Questions: Where to Apply, Equipment and Advances](https://brookharborlenders.com/faq/): Answers from Brookharbor Lenders in Charleston, West Virginia on where to apply for business funding, how equipment financing and advances work and what happens to a request. - [About Brookharbor Lenders: Business Funding Requests Handled in Charleston, WV](https://brookharborlenders.com/about/): Brookharbor Lenders has its office at 240 Capitol St, Charleston, WV 25301. It organizes small-business funding requests from Kanawha County, West Virginia and sends them to funding partners, who make the credit decisions. - [Contact Brookharbor Lenders in Charleston, WV: Office Phone, Short Form and Map](https://brookharborlenders.com/contact/): Brookharbor Lenders, 240 Capitol St, Charleston, WV 25301. Phone (304) 892-6094. No email address is published. - [Start a Funding Request in Charleston, WV: The Brookharbor Form, Step by Step](https://brookharborlenders.com/apply/): The Brookharbor Lenders form collects contact details and three ranges so the first call about a funding request can start from them. - [Disclosures for Brookharbor Lenders, Charleston, WV](https://brookharborlenders.com/disclosures/): Brookharbor Lenders in Charleston, West Virginia is a funding broker, not a lender. ## Optional - [Full text of every page](https://brookharborlenders.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://brookharborlenders.com/sitemap.xml)