# Rockstone Lending > Rockstone Lending is a small-business funding broker at 360 W 20th St, Yuma, AZ 85364 (phone (928) 436-5545). It helps businesses in Yuma, San Luis, Somerton, Fortuna Foothills, Wellton and across Yuma County, Arizona, explore working capital, business term loans, business lines of credit, equipment financing, inventory financing and merchant cash advances. Rockstone Lending connects you with lending partners; partners make credit decisions and set rates and terms. Rockstone Lending is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Rockstone Lending does not arrange personal, auto title or payday loans. Key facts: - Business type: small-business funding broker (not a lender) - Address: 360 W 20th St, Yuma, AZ 85364, United States - Phone: (928) 436-5545 - Apply: https://rockstonelending.com/apply/ - Service area: Yuma, San Luis, Somerton, Fortuna Foothills, Wellton and all of Yuma County, Arizona - Language: English ## Funding options - [Business Loans for Yuma, AZ Businesses](https://rockstonelending.com/business-loans/): Rockstone Lending, a small-business funding broker in Yuma, Arizona, helps businesses compare three types of business loans: working capital loans, term loans and lines of credit. A business loan is borrowed money that the business repays, with interest, on a schedule the lender sets. Lending partners make the credit decision and set rates and terms. Call (928) 436-5545 or apply online. - [Working Capital Loans in Yuma, AZ](https://rockstonelending.com/business-loans/working-capital/): A working capital loan is short-term business financing for everyday costs such as payroll, inventory and supplier bills, repaid in scheduled installments the lender sets. Rockstone Lending, a small-business funding broker in Yuma, Arizona, helps small businesses explore working capital options and connects them with lending partners, who make the credit decision and set the terms. Call (928) 436-5545 or apply online. - [Business Term Loans in Yuma, AZ](https://rockstonelending.com/business-loans/term-loans/): A business term loan is one lump sum repaid in regular installments over a set term, used for planned investments such as expansion, renovation or refinancing. Rockstone Lending, a small-business funding broker in Yuma, Arizona, connects businesses with lending partners, who make the credit decision and set the amount, rate and terms. To start, call (928) 436-5545 or apply online. - [Business Lines of Credit in Yuma, AZ](https://rockstonelending.com/business-loans/line-of-credit/): A business line of credit is a revolving borrowing limit a company can draw on, repay and draw on again, with interest generally charged only on the amount drawn. Rockstone Lending, a small-business funding broker in Yuma, Arizona, connects businesses with lending partners, who make the credit decision and set the limit, rates and terms. Call (928) 436-5545 or apply online. - [Equipment Financing in Yuma, AZ](https://rockstonelending.com/equipment-financing/): Equipment financing pays for a specific machine, vehicle or tool through a loan or a lease, repaid in scheduled payments and usually secured by the equipment itself. Rockstone Lending, a small-business funding broker in Yuma, Arizona, connects businesses with lending partners, who make the credit decision and set the terms. Have the vendor quote ready, then call (928) 436-5545 or apply online. - [Merchant Cash Advances in Yuma, AZ](https://rockstonelending.com/merchant-cash-advance/): A merchant cash advance (MCA) is not a loan: a funder pays a business a lump sum for a portion of its future sales receipts, then collects a share of sales, by card split or scheduled debits, until the agreed amount is delivered. Rockstone Lending, a small-business funding broker in Yuma, Arizona, explains MCAs, compares them with loan options and connects businesses with funders. Call (928) 436-5545. - [Inventory Financing in Yuma, AZ](https://rockstonelending.com/business-loans/inventory-financing/): Inventory financing pays for stock before it sells and is repaid as that stock turns into sales, through a line of credit, a working capital or term loan, or credit secured by the inventory itself. Rockstone Lending, a small-business funding broker in Yuma, Arizona, helps retailers and wholesalers compare these options with lending partners, who decide and set terms. Call (928) 436-5545 or apply online. ## Industries - [Business Financing by Industry in Yuma, AZ](https://rockstonelending.com/industries/): Rockstone Lending, a small-business funding broker in Yuma, Arizona, works with lending partners that fund construction and specialty trade contractors, restaurants and food service, medical and dental practices, and retailers and wholesalers financing inventory. Each industry page covers common financing needs, Yuma County Census data and what partners review. Partners make the credit decisions. Call (928) 436-5545 or apply online. - [Contractor and Construction Equipment Financing in Yuma, AZ](https://rockstonelending.com/industries/construction/): Contractor financing helps construction and specialty trade businesses pay for equipment such as excavators, dump trucks and trailers, or carry payroll and materials until job draws are paid. Rockstone Lending, a small-business funding broker in Yuma, Arizona, connects contractors with lending partners for equipment financing, working capital and lines of credit; partners decide and set the terms. Call (928) 436-5545. - [Restaurant and Food Service Financing in Yuma, AZ](https://rockstonelending.com/industries/restaurants/): Restaurant financing helps full-service and quick-service restaurants and cafés pay for kitchen equipment, remodels, second locations and supplier bills. Rockstone Lending, a small-business funding broker in Yuma, Arizona, connects restaurants with lending partners for equipment financing, term loans and lines of credit, and explains merchant cash advances, which are not loans. Partners decide and set terms. Call (928) 436-5545. - [Medical and Dental Practice Financing in Yuma, AZ](https://rockstonelending.com/industries/medical-dental/): Medical and dental practice financing helps physician, dental and other health practices pay for imaging, dental chairs and practice technology, office build-outs and operating costs while insurance claims are paid. Rockstone Lending, a small-business funding broker in Yuma, Arizona, connects independent practices with lending partners for equipment financing, term loans and lines of credit; partners decide and set terms. Call (928) 436-5545. ## Guides and calculators - [Business Funding Guides & Calculators for Arizona Owners](https://rockstonelending.com/resources/): Rockstone Lending, a small-business funding broker in Yuma, Arizona, publishes plain-language guides and calculators for business owners: how to get a business loan in Arizona, the documents partners request, credit, funding a new business, merchant cash advances vs. loans, SBA options, and payment and cost calculators. None is an offer or a quote; lending partners set actual rates and terms. Questions: call (928) 436-5545. - [How to Get a Business Loan in Arizona: A Guide for Yuma, AZ Owners](https://rockstonelending.com/resources/how-to-get-a-business-loan-in-arizona/): To get a business loan in Arizona, register and license the business (an Arizona Corporation Commission filing, any TPT license and a city license), organize bank statements and financial records, match the funding type to the purpose, then compare offers on total cost. Rockstone Lending, a small-business funding broker in Yuma, Arizona, connects owners with lending partners, who decide. Call (928) 436-5545 or apply online. - [Merchant Cash Advance vs. Loan: How They Differ for Arizona Businesses](https://rockstonelending.com/resources/merchant-cash-advance-vs-loan/): A merchant cash advance is not a loan. A funder buys a portion of a business's future sales and collects a share of them, by card split or scheduled debits, until the agreed amount is delivered; its cost is a factor rate fixed at signing. A loan is borrowed money repaid in installments with interest. Rockstone Lending, a small-business funding broker in Yuma, Arizona, explains both: (928) 436-5545. - [What Documents Do You Need for a Business Loan in Arizona?](https://rockstonelending.com/resources/business-loan-documents/): Most business funding requests draw on the same documents: recent business bank statements, business and often personal tax returns, a profit and loss statement and balance sheet, owner ID, formation and Arizona registration records, a debt schedule and proof of what the money is for. Each lending partner sets its own list. Rockstone Lending, a small-business funding broker in Yuma, Arizona, can help: (928) 436-5545. - [Can You Get Business Funding With Bad Credit in Arizona?](https://rockstonelending.com/resources/business-funding-and-credit/): Whether a business with credit problems can get funding depends on the lending partner, the product and the rest of its finances; no one can say before a partner reviews the application. Partners generally weigh credit alongside revenue, cash flow, time in business and existing debts. Rockstone Lending, a small-business funding broker in Yuma, Arizona, does not predict approvals. Call (928) 436-5545 or apply online. - [Funding a New Business in Yuma, AZ: What to Expect](https://rockstonelending.com/resources/funding-a-new-business/): Some lending partners consider newer businesses, but it depends on the partner. With little history to review, partners commonly look more closely at the owners' credit and experience, a business plan, contracts and collateral. Rockstone Lending, a small-business funding broker in Yuma, Arizona, can talk through which options fit, and the Arizona Western College SBDC offers no-fee advising. Call (928) 436-5545. - [SBA Loans vs. Other Business Funding Options in Arizona](https://rockstonelending.com/resources/sba-loans-vs-other-options/): SBA loans come through SBA-participating lenders, Certified Development Companies or intermediary lenders, and SBA program rules apply on top of the lender's own; for 7(a) loans the SBA provides a loan guarantee to the lender. Rockstone Lending, a small-business funding broker in Yuma, Arizona, is not an SBA lender and does not arrange SBA loans. It helps owners compare other options: (928) 436-5545. - [Business Loan Payment Calculator for Arizona Businesses](https://rockstonelending.com/resources/business-loan-calculator/): This business loan payment calculator from Rockstone Lending, a small-business funding broker in Yuma, Arizona, estimates the monthly payment, total interest and total repaid on a standard amortizing loan from the amount, annual rate and term you enter. It is illustrative arithmetic only, not an offer; lending partners set actual rates and terms. To talk through an offer, call (928) 436-5545. - [Merchant Cash Advance Cost Calculator for Arizona Businesses](https://rockstonelending.com/resources/mca-cost-calculator/): This merchant cash advance cost calculator from Rockstone Lending, a small-business funding broker in Yuma, Arizona, multiplies the advance by the factor rate to show the total payback and cost, and estimates remittance time from the holdback and daily card sales you enter. A merchant cash advance is not a loan, and the results are arithmetic, not a quote. Questions: (928) 436-5545. - [Equipment Financing Payment Calculator for Arizona Businesses](https://rockstonelending.com/resources/equipment-financing-calculator/): This equipment financing calculator from Rockstone Lending, a small-business funding broker in Yuma, Arizona, estimates the monthly payment, total interest and total cost of an equipment loan from the price, down payment, annual rate and term you enter. It models a standard loan, not a lease, and is not a quote; lending partners set actual terms. Call (928) 436-5545. - [Business Funding Glossary: Terms Arizona Owners Will See](https://rockstonelending.com/resources/business-funding-glossary/): This business funding glossary from Rockstone Lending, a small-business funding broker in Yuma, Arizona, defines the terms owners see in offers and agreements, including UCC lien, collateral, personal guarantee, factor rate, holdback, amortization, APR, covenant and debt service coverage ratio. Each entry says where the term appears and links to a fuller guide. It is general information, not legal advice. Questions: (928) 436-5545. - [Personal Guarantees on Business Funding: What Arizona Owners Sign](https://rockstonelending.com/resources/personal-guarantees/): A personal guarantee makes a business owner personally responsible for a business obligation if the business does not pay, which puts personal assets at risk even when the business is an LLC or corporation. Guarantees can be unlimited or limited, and joint and several when several owners sign. Rockstone Lending, a small-business funding broker in Yuma, Arizona, explains them but gives no legal advice. Call (928) 436-5545. - [Business Loan Collateral, Blanket Liens and UCC Filings in Arizona](https://rockstonelending.com/resources/business-loan-collateral/): Collateral for a business loan is an asset the lender can act against if the loan is not paid, such as equipment, vehicles, receivables, inventory, cash or real estate. Lenders record the claim with a UCC financing statement, filed in most cases with the Arizona Secretary of State, or as a lien on a vehicle's title. Rockstone Lending, a small-business funding broker in Yuma, Arizona, explains the options: (928) 436-5545. - [Before You Sign: Questions to Ask About a Business Funding Offer](https://rockstonelending.com/resources/questions-before-you-sign/): Before signing a business funding offer, ask for the total amount you will repay or deliver, every fee including any deducted at funding, how and how often payments are taken, the prepayment terms, the collateral, liens and personal guarantees, and what counts as a default. Get answers in writing. Rockstone Lending, a small-business funding broker in Yuma, Arizona, talks owners through offers: (928) 436-5545. - [How Much Business Funding Can You Get? What Sets the Amount](https://rockstonelending.com/resources/how-much-business-funding-can-i-get/): How much business funding a company can get is set by the lending partner after it reviews the business; there is no published formula. Partners commonly weigh revenue and deposits, cash flow left after existing payments, what the money is for and what it costs, collateral, time in business and credit. Rockstone Lending, a small-business funding broker in Yuma, Arizona, does not estimate amounts. Call (928) 436-5545. - [What Can You Use a Business Loan For? A Yuma, AZ Guide](https://rockstonelending.com/resources/what-can-a-business-loan-be-used-for/): Business loans can pay for payroll, rent, inventory, equipment, renovations, expansion and refinancing, but not personal expenses, and the agreement's terms on use of the money govern. Each use fits a different product: working capital, a line of credit, a term loan or equipment financing. Rockstone Lending, a small-business funding broker in Yuma, Arizona, helps owners match the use to the option: (928) 436-5545. - [Financing a Build-Out or Remodel in Yuma, AZ](https://rockstonelending.com/resources/build-out-and-remodel-financing/): To finance a build-out or remodel, Yuma businesses commonly use a term loan for construction and soft costs, equipment financing for the equipment, and any landlord tenant-improvement allowance to reduce the amount borrowed. City of Yuma commercial plan review generally takes 15 work days. Rockstone Lending, a small-business funding broker in Yuma, Arizona, connects owners with lending partners: (928) 436-5545. - [Can an LLC or Sole Proprietor Get a Business Loan in Arizona?](https://rockstonelending.com/resources/llc-and-sole-proprietor-funding/): Both LLCs and sole proprietors can apply for business funding; lending partners weigh revenue, time in business and credit more than legal structure. An LLC shows its Arizona Corporation Commission filing, a sole proprietor is personally responsible for business debts, and LLC owners are often asked for a personal guarantee. Rockstone Lending, a small-business funding broker in Yuma, Arizona, can help: (928) 436-5545. - [$1 Buyout vs. Fair Market Value Leases: End-of-Term Options](https://rockstonelending.com/resources/equipment-lease-buyout-options/): A $1 buyout lease lets a business buy the equipment for a nominal amount at the end, so its payments cover nearly the full cost and it works much like a purchase. A fair market value lease ends with a choice to buy at market value, return or renew, usually with lower payments. Rockstone Lending, a small-business funding broker in Yuma, Arizona, helps owners compare leases and loans: (928) 436-5545. ## Areas served - [Business Financing for Yuma, AZ Businesses](https://rockstonelending.com/yuma-az/): Rockstone Lending is a small-business funding broker with a staffed office at 360 W 20th St, inside Yuma, Arizona city limits. It helps Yuma businesses, from contractors and restaurants to medical and dental practices and retailers, explore funding options and connects them with lending partners, who make credit decisions and set terms. Free local advising is available from the Arizona Western College SBDC. Call (928) 436-5545. - [Areas We Serve in Yuma County, AZ](https://rockstonelending.com/service-areas/): Rockstone Lending, a small-business funding broker with one staffed office at 360 W 20th St in Yuma, Arizona, works with businesses across Yuma County by phone, online and in person, including San Luis, Somerton, Fortuna Foothills, Wellton and smaller unincorporated communities. Lending partners make credit decisions and set rates and terms. Call (928) 436-5545 or apply online. - [Business Funding for San Luis, AZ Businesses](https://rockstonelending.com/service-areas/san-luis-az/): Rockstone Lending, a small-business funding broker in Yuma, Arizona, helps San Luis, AZ businesses, including contractors, retailers, restaurants and health care providers, explore funding options and connects them with lending partners, who make credit decisions and set terms. San Luis owners can start by phone at (928) 436-5545, online, or at the office at 360 W 20th St in Yuma. - [Business Funding for Somerton, AZ Businesses](https://rockstonelending.com/service-areas/somerton-az/): Rockstone Lending, a small-business funding broker in Yuma, Arizona, about 7.5 straight-line miles from Somerton, helps Somerton, AZ contractors, shops and restaurants explore funding options and connects them with lending partners, who make credit decisions and set terms. Owners can call (928) 436-5545, apply online or visit the office at 360 W 20th St in Yuma. - [Business Funding for Fortuna Foothills, AZ Businesses](https://rockstonelending.com/service-areas/fortuna-foothills-az/): Rockstone Lending, a small-business funding broker in Yuma, Arizona, helps businesses in Fortuna Foothills, an unincorporated Yuma County community, explore funding options and connects them with lending partners, who make credit decisions and set terms. Restaurants, retailers and self-employed owners can start by calling (928) 436-5545 or applying online. ## Company - [Small Business Funding in Yuma, AZ](https://rockstonelending.com/): Rockstone Lending is a small-business funding broker in Yuma, Arizona, with a staffed office at 360 W 20th St. It helps Yuma County business owners explore working capital, term loans, lines of credit, equipment financing and merchant cash advances, then connects them with lending partners, who make credit decisions and set rates and terms. To start, call (928) 436-5545 or apply online. - [How Business Funding Works with a Yuma, AZ Broker](https://rockstonelending.com/how-it-works/): Rockstone Lending is a small-business funding broker in Yuma, Arizona, not a lender. Its process has four steps: you tell Rockstone about your business by phone, in person or online; Rockstone reviews options with lending partners; a partner evaluates the application, makes the credit decision and sets the terms; and you decide whether to accept. Start by calling (928) 436-5545 or applying online. - [Business Funding Questions for Yuma, AZ Businesses](https://rockstonelending.com/faq/): Rockstone Lending is a small-business funding broker in Yuma, Arizona, not a lender: it connects businesses with lending partners, who make credit decisions and set rates and terms. This FAQ answers common questions about working capital, term loans, lines of credit, equipment financing and merchant cash advances, which are not loans, plus applying and what happens next. Other questions: call (928) 436-5545. - [Apply for Business Funding in Yuma, AZ](https://rockstonelending.com/apply/): To apply for business funding with Rockstone Lending, a small-business funding broker in Yuma, Arizona, complete the short online form or call (928) 436-5545. The form asks for contact details, company name, time in business, annual revenue and the amount requested. Rockstone follows up and takes the request to suitable lending partners, and a partner makes the credit decision. Submitting does not guarantee approval. - [About Rockstone Lending in Yuma, AZ](https://rockstonelending.com/about/): Rockstone Lending is a small-business funding broker in Yuma, Arizona, with a staffed office at 360 W 20th St. It helps business owners explore working capital, term loans, lines of credit, equipment financing and merchant cash advances, and connects them with lending partners, who make credit decisions and set rates and terms. It does not arrange consumer loans. Call (928) 436-5545. - [Contact Rockstone Lending in Yuma, AZ](https://rockstonelending.com/contact/): Rockstone Lending, a small-business funding broker, has a staffed office at 360 W 20th St, Yuma, AZ 85364, and can be reached at (928) 436-5545. Business owners can call, visit the office or start online with a short application form, and Rockstone follows up using the contact details provided. Lending partners make credit decisions and set rates and terms. - [Broker Disclosures for Rockstone Lending, Yuma, AZ](https://rockstonelending.com/disclosures/): Rockstone Lending, a small-business funding broker in Yuma, Arizona, is not a lender. It connects businesses with lending partners, who make credit decisions and set rates, terms and conditions. Submitting an application does not guarantee approval, a merchant cash advance is not a loan, and information you submit is shared with lending partners so they can evaluate your request. Questions: call (928) 436-5545. ## Optional - [Full text of every page](https://rockstonelending.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://rockstonelending.com/sitemap.xml)