# Meadowside Credit > Meadowside Credit is a small-business funding broker at 16 Granite St, Fall River, MA 02720 (phone (508) 233-3758). It helps businesses in Fall River, MA; Somerset, MA and across Bristol County, Massachusetts; and in Tiverton, RI, explore business lines of credit, working capital and term loans, inventory and equipment financing, and merchant cash advances. Meadowside Credit is a broker, not a lender. A request goes to funding partners, and each partner reviews it and makes its own decision. Meadowside Credit is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Meadowside Credit does not arrange funding for trucking companies or agriculture, startups without revenue, real estate purchases or building construction loans. Key facts: - Business type: small-business funding broker (not a lender) - Address: 16 Granite St, Fall River, MA 02720, United States - Phone: (508) 233-3758 - Apply: https://meadowsidecredit.com/apply/ - Places: Fall River, MA; Somerset, MA and all of Bristol County, Massachusetts; also Tiverton, RI - Language: English ## Funding options - [Types of Business Loans in Fall River, MA, From a Tax Bill to a Packaging Line](https://meadowsidecredit.com/business-loans/): A repeat gap fits a line of credit; a one-time cost fits a working capital or term loan; stock and machines have their own financing; a card-sales advance is collected from daily card receipts. Partners set the terms of every offer. - [Working Capital Loans in Fall River, MA When the Bills Land Before the Customer Pays](https://meadowsidecredit.com/business-loans/working-capital/): A working capital loan covers one operating gap with a set amount and a fixed schedule. Machines, stock and business purchases have better-matched products. Amount, rate and term all come from the partner. - [Business Term Loans in Fall River, MA: Fixed Payments for a Business Purchase or a Second Crew's Track Loader](https://meadowsidecredit.com/business-loans/term-loans/): Term loans fit one large cost that pays off over years: a business purchase, a buyout or a big machine. The payment stays the same each month. Real estate is outside this site, and partners decide the down payment and terms. - [Business Lines of Credit in Fall River, MA, Sized to the Weeks Between Paying Out and Getting Paid](https://meadowsidecredit.com/business-loans/line-of-credit/): A line of credit suits costs that repeat: premiums, tooling, raw material and payroll ahead of a customer payment. Interest runs on what is drawn, not on the limit. Partners set the limit, rate and renewal terms. - [Inventory Financing in Fall River, MA, Sized to the Stock a Confirmed Order Needs](https://meadowsidecredit.com/business-loans/inventory-financing/): Inventory financing pays for goods a business will sell or use on a job, and the goods can serve as the collateral. It fits stock tied to a known order. Repairs, wages and machines belong to other funding types. - [Equipment Financing in Fall River, MA for CNC Mills, Squat Racks, Freezers and Salon Chairs](https://meadowsidecredit.com/equipment-financing/): Equipment financing spreads the price of a machine or fixture over its useful years. The equipment can secure the deal. Building work, such as wiring or plumbing it in, stays outside this site. - [Merchant Cash Advances in Fall River, MA, Collected as a Share of Each Day's Card Sales](https://meadowsidecredit.com/merchant-cash-advance/): With a merchant cash advance, a provider pays today for a slice of later card sales. The factor sets the cost, and the holdback sets the pace of collection. It suits businesses that take most payments by card. ## Industries - [Restaurant Loans in Fall River, MA for a Combi Oven, a Fryer Swap and a New Lunch Shift](https://meadowsidecredit.com/industries/restaurants/): Ovens, coolers and fryers are equipment with a working life, so a fixed term can match them; wages for a new shift are a short gap for working capital. Selling future card sales through an advance is priced another way entirely. Hood, grease trap and gas-line work belong to the building and sit outside this site. - [Salon Business Loans in Fall River, MA: Hair Steamers, Take-Home Product and Added Technicians](https://meadowsidecredit.com/industries/salons/): Steamers and processors fit an equipment term; product for resale fits a line of credit or inventory financing; wages for new technicians fit working capital. Shampoo bowls are plumbed fixtures, and they stay outside this site along with ventilation work. - [Medical Practice Loans in Fall River, MA for Physician Practices: EHR Hardware and Provider Hiring](https://meadowsidecredit.com/industries/medical-practices/): Movable exam-room equipment and EHR hardware fit an equipment term; salary ahead of billable visits is a timing gap for a line of credit or a term loan. Exam-room build-outs and the building itself sit outside this site. - [Dental Office Loans in Fall River, MA: Lab Bills, Imaging Sensors and a Milling Unit](https://meadowsidecredit.com/industries/dental-practices/): Lab invoices repeat every month, so a line of credit fits them; a camera and sensor set, handpieces or a milling unit are equipment for a fixed term. Operatory build-outs, plumbing and compressed-air lines are property work outside this site. - [Gym Business Loans in Fall River, MA: Rowing Ergs, Connected Treadmills and Trainer Payroll](https://meadowsidecredit.com/industries/gyms-and-fitness-studios/): Cardio and strength machines fit an equipment term; subscriptions and payroll are operating costs for working capital or a line of credit. Saunas, showers and locker rooms are build-out work on the property, and this site leaves them out. - [Business Loans for Retail in Fall River, MA: Reorders, Early-Pay Discounts and Gondola Shelving](https://meadowsidecredit.com/industries/retail/): Stock fits a line of credit or inventory financing, an early-pay discount can be weighed against a short draw, and freestanding fixtures fit an equipment term. Storefront remodels, lighting wired into the building and other property work sit outside this site. - [Financing for Contractors in Fall River, MA, From a Dump-Body Truck to the Wait on a Progress Bill](https://meadowsidecredit.com/industries/construction/): Trucks, trailers and tools fit an equipment term; the weeks between a progress bill and its payment fit a line of credit or working capital. Loans to construct buildings and real estate purchases are outside this site; contractors themselves are a funded industry. - [Auto Repair Shop Loans in Fall River, MA: a Brake Lathe, Core Charges and Inspection Tablets](https://meadowsidecredit.com/industries/auto-repair/): Shop machines fit equipment financing; core deposits fit a revolving line; mixed one-time costs such as tablets plus setup fit a term loan; a one-time rise in money owed to the shop fits working capital. Lifts bolted to the floor and any bay work are property work outside this site. - [Landscaping Equipment Financing in Fall River, MA for Spreader-Sprayers, a Hydroseeder and Irrigation Parts](https://meadowsidecredit.com/industries/landscaping/): Machines fit equipment financing or a lease; parts bought ahead of a job fit a line of credit; a repair bill plus a rental truck fits working capital. Hardscape walls, grading and other site work for the customer are not what this site arranges funding for. - [Daycare Center Financing in Fall River, MA: Multi-Seat Strollers, Classroom Displays and a Teacher Pay Raise](https://meadowsidecredit.com/industries/daycare-centers/): Movable equipment fits equipment financing or a lease; a pay raise that runs ahead of new tuition fits working capital; curriculum, training and setup bills fit a term loan. Fencing, play yards and room construction are site or building work outside this site, and licensing questions are not covered here. - [Manufacturing Equipment Financing in Fall River, MA: a Press Brake, a Wide-Format Printer and Invoices on Net 60](https://meadowsidecredit.com/industries/manufacturing/): Production machines fit equipment financing or a lease; finished parts held for scheduled releases fit inventory financing; an invoice on long terms can be carried on a credit line or settled early at a discount. The power and air lines a machine connects to are property work outside this site. - [Cafe Business Loans in Fall River, MA: Mixers and Proofers, a Pastry Case and a Pastry Supply Contract](https://meadowsidecredit.com/industries/cafes-and-coffee-shops/): Mixers, proofers, sheeters, a pastry case and grinders fit equipment financing; a supply contract paid by invoice fits working capital better than a card-sales advance. Counters, plumbing, wiring, flooring and paint are building work outside this site. - [Plumbing and HVAC Business Loans in Fall River, MA: Supply-House Limits, Press Tools and Lifts](https://meadowsidecredit.com/industries/plumbing-hvac/): Material orders that outrun a supply account fit a line of credit; tools and lifts fit equipment financing; a new crew's wages before its jobs pay fit working capital. Financing for a homeowner's or building owner's own system is a different product, outside this site. - [Fall River, MA Business Loans by Industry, Matched to the Cost Each Trade Is Carrying](https://meadowsidecredit.com/industries/): Funding by trade, sorted by the cost rather than the business type. Bristol County, MA Census counts for 13 trades, and four invented cases: a home builder's bid deposit, a wholesale distributor's supplier payment, a quick-service restaurant's paper goods, and lumber and parts orders. ## Tools and calculators - [Small Business Resources in Fall River, MA: Planning for a Supplier Certification](https://meadowsidecredit.com/resources/): Checklists and a calculator for a funding request: a short business plan built around a customer-required upgrade, a documents list for a restaurant payroll request, preparation steps for an equipment purchase, a table of the Census programs behind this site's figures, and the credit line calculator. - [A Monthly Interest Worksheet and Payment Calculator for a Fall River, MA Line of Credit](https://meadowsidecredit.com/resources/line-of-credit-monthly-interest-calculator/): The calculator gives a level payment for a fixed amount, rate and term. A credit line charges interest on the balance actually drawn, so a shrinking balance costs less each month. Factor costs are a different math. ## Fall River, MA and nearby communities - [Fall River, MA Business Loans for a Trailer, a Supplier Limit, a Contractor Purchase and a Catering Van](https://meadowsidecredit.com/fall-river-ma/): Meadowside Credit, a funding service in Fall River, MA, passes requests to funding partners, who decide. Invented figures here price a trailer, a supplier-limit gap, the purchase of an HVAC contractor, a catering van and a shop move, beside selected ZIP 02720 trade counts (ZBP 2023). - [Somerset, MA Business Loans Around a Lease: Machines, Display Cases and a Second Location](https://meadowsidecredit.com/service-areas/somerset-ma/): Businesses in the Somerset, MA community, a Census-designated place, can call Meadowside Credit or send the request form, and requests go to funding partners. This page sets loan terms beside lease terms for a machine shop, a retail shop and a restaurant's second location, and gives ZIP 02726 employer figures from 2023 ZIP Code Business Patterns. - [Business Loans Around Fall River, MA, on Both Sides of the Rhode Island Line](https://meadowsidecredit.com/service-areas/): Meadowside Credit, a funding service in Fall River, MA, passes requests to funding partners. This page names nearby Massachusetts and Rhode Island communities, gives ZIP-level employer counts for several, and works through a restaurant move, a lease checklist, office space and a repair bill. ## Company - [Fall River, MA Small Business Loans, Matched to the Bill in Front of You](https://meadowsidecredit.com/): Name the cost first. A repeat gap fits a credit line, a one-time purchase fits a fixed loan or equipment financing, and a card-sales advance is not a loan. Whichever type fits, the partner that reviews the request writes the terms. - [Getting a Business Loan in Fall River, MA: The Request, the Partner Review and the Owner's Decision](https://meadowsidecredit.com/how-it-works/): Every request opens with a phone call or the form. From there, a funding partner looks it over and may want bank statements and tax returns. The partner decides on any offer; the owner decides whether to take it. - [Fall River, MA Business Loan FAQ: Costs, Terms and Documents](https://meadowsidecredit.com/faq/): Equipment loans and finance agreements are debt; leases are contract obligations. Buying a business can be a term-loan use. Tax treatment belongs to a tax preparer. Any credit check comes from the funding partner, as part of its own review. - [Meet Meadowside Credit: A Fall River, MA Funding Service](https://meadowsidecredit.com/about/): Two ways to begin: a call to (508) 233-3758 or the form on the request page. Talking the cost through points to one of six funding types; after that, a funding partner reviews the request and makes the call. The office is in Fall River, MA. - [One Phone Number and One Fall River, MA Office: How to Contact Meadowside Credit](https://meadowsidecredit.com/contact/): Phone (508) 233-3758 or the form on the request page. The questions on this page help size up a business loan or any offer before the business agrees to it. The office address is in the last section. - [Apply for Business Funding in Fall River, MA Whether the Bill Is a Repair, a Payroll or a Purchase](https://meadowsidecredit.com/apply/): The form asks for contact details, the company name and three ranges, and it is not a credit application. The cost is talked through by phone. Funding partners review the request and may ask for documents. - [Meadowside Credit Disclosures: Its Broker Role and What Funding Partners Decide, Fall River, MA](https://meadowsidecredit.com/disclosures/): Meadowside Credit is a broker, not a lender. Funding partners review requests and set every term. A merchant cash advance is not a loan. Examples are invented; Census figures are labeled with program, year and area. ## Optional - [Full text of every page](https://meadowsidecredit.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://meadowsidecredit.com/sitemap.xml)