# Oakwick Lending Group > Oakwick Lending Group is a small-business funding broker at 4 Union St S, Concord, NC 28025 (phone (980) 352-5260). It helps businesses in Concord, NC; Kannapolis, NC; Harrisburg, NC; Mount Pleasant, NC; China Grove, NC; Midland, NC; Locust, NC and across Cabarrus County, North Carolina, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Oakwick Lending Group connects you with lending partners; partners make credit decisions and set rates and terms. Oakwick Lending Group is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Oakwick Lending Group does not arrange personal, payday, auto title, mortgage or SBA loans, does not offer grants, and does not arrange funding for agriculture or trucking. Key facts: - Business type: small-business funding broker (not a lender) - Address: 4 Union St S, Concord, NC 28025, United States - Phone: (980) 352-5260 - Apply: https://oakwicklendinggroup.com/apply/ - Service area: Concord, NC; Kannapolis, NC; Harrisburg, NC; Mount Pleasant, NC; China Grove, NC; Midland, NC; Locust, NC and all of Cabarrus County, North Carolina - Language: English ## Funding options - [Compare Business Funding Options in Concord, NC](https://oakwicklendinggroup.com/business-loans/): This page compares six business funding options for Cabarrus County owners: working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances, which are not loans. Oakwick Lending Group, a small-business funding broker in Concord, NC, explains each and introduces requests to lending partners, which decide and set rates and terms. - [Working Capital Financing in Concord, NC: How It Works and Who It Fits](https://oakwicklendinggroup.com/business-loans/working-capital/): Working capital financing is short-term business funding for operating costs such as payroll, rent and materials, usually repaid in fixed installments over months. Oakwick Lending Group, a small-business funding broker in Concord, NC, helps Cabarrus County owners measure the shortfall and brings it to lending partners, which make the credit decision and set rates and terms. - [Business Term Loans in Concord, NC: How It Works and Who It Fits](https://oakwicklendinggroup.com/business-loans/term-loans/): A business term loan is a lump sum repaid in scheduled installments over a fixed term, used for upfits, expansion, larger purchases and refinancing. Oakwick Lending Group, a small-business funding broker in Concord, NC, helps Cabarrus County owners read amortization, balloon and covenant terms and introduces requests to lending partners, which make the credit decision and set rates and terms. - [Business Lines of Credit in Concord, NC: How It Works and Who It Fits](https://oakwicklendinggroup.com/business-loans/line-of-credit/): A business line of credit is a borrowing limit you draw from as costs arise, paying interest only on the outstanding balance and, in a revolving line, borrowing again as you repay. Oakwick Lending Group, a small-business funding broker in Concord, NC, explains draw periods and costs to Cabarrus County owners and introduces requests to lending partners, which make the decision and set rates and terms. - [Inventory Financing in Concord, NC: How It Works and Who It Fits](https://oakwicklendinggroup.com/business-loans/inventory-financing/): Inventory financing is business funding used to purchase stock, typically secured by that inventory and repaid as the goods sell. Oakwick Lending Group, a small-business funding broker in Concord, NC, helps Cabarrus County retailers and wholesalers understand collateral, UCC filings and repayment, and introduces requests to lending partners, which make the credit decision and set rates and terms. - [Equipment Financing and Leasing in Concord, NC: How It Works and Who It Fits](https://oakwicklendinggroup.com/equipment-financing/): Equipment financing is funding for a specific business asset, such as construction machinery, kitchen equipment or clinical systems, typically secured by that asset and repaid over its useful life. Oakwick Lending Group, a small-business funding broker in Concord, NC, compares loans, leases and equipment finance agreements for Cabarrus County owners and introduces requests to lending partners, which decide and set terms. - [Merchant Cash Advances in Concord, NC: How It Works and Who It Fits](https://oakwicklendinggroup.com/merchant-cash-advance/): A merchant cash advance is a purchase of a business's future receivables, not a loan: the funder pays a lump sum and collects a fixed total from future sales through a holdback or set debits. Oakwick Lending Group, a small-business funding broker in Concord, NC, explains holdbacks, factor rates and reconciliation to Cabarrus County owners and connects them with funders, which set the terms. ## Industries - [Business Financing by Industry in Concord, NC](https://oakwicklendinggroup.com/industries/): Oakwick Lending Group, a small-business funding broker in Concord, NC, works with Cabarrus County businesses in the sectors its lending partners have confirmed: construction, restaurants, medical and dental practices, and retail and wholesale. Each industry page combines Census County Business Patterns data with the funding types that suit that sector. Every credit decision rests with a lending partner. - [Contractor and Construction Financing in Concord, NC: Needs, Options and Timing](https://oakwicklendinggroup.com/industries/construction/): Contractor financing covers the working capital, credit lines and equipment that construction firms need between bids, draws and final payment. Oakwick Lending Group, a small-business funding broker in Concord, NC, helps Cabarrus County contractors, 693 employer establishments in 2023 (Census CBP), choose a structure and introduces requests to lending partners, which decide and set rates and terms. - [Restaurant and Food Service Financing in Concord, NC: Needs, Options and Timing](https://oakwicklendinggroup.com/industries/restaurants/): Restaurant financing covers kitchen equipment, upfits of leased space, payroll timing and other costs of running a food business. Oakwick Lending Group, a small-business funding broker in Concord, NC, helps Cabarrus County restaurants, 429 employer establishments in 2023 (Census CBP), choose a structure and introduces requests to lending partners, which decide and set rates and terms. - [Medical and Dental Practice Financing in Concord, NC: Needs, Options and Timing](https://oakwicklendinggroup.com/industries/medical-dental/): Medical and dental practice financing covers clinical equipment, office build-outs and the gap between treating patients and receiving insurer payments. Oakwick Lending Group, a small-business funding broker in Concord, NC, works with Cabarrus County practices, 346 ambulatory health care employers in 2023 (Census CBP), and introduces requests to lending partners, which decide and set rates and terms. ## Guides and calculators - [Business Funding Guides and a Calculator for Concord, NC Owners](https://oakwicklendinggroup.com/resources/): Oakwick Lending Group, a small-business funding broker in Concord, NC, publishes these resources for Cabarrus County owners: a guide to the North Carolina certificate of existence and annual report, a Concord, NC zoning and permits checklist for leases and upfits, a directory of free local help, and a construction equipment payment calculator. None of them offers credit. - [North Carolina Certificate of Existence and Annual Report: Check Both Before You Apply](https://oakwicklendinggroup.com/resources/north-carolina-certificate-of-existence/): A North Carolina certificate of existence is a document from the Secretary of State showing an entity's status on the state's records, often called good standing elsewhere. Oakwick Lending Group, a small-business funding broker in Concord, NC, explains how annual report status, the entity record and certified documents affect a funding request, and where to check them. - [Before You Sign a Lease in Concord, NC: Zoning, Permits and the Funding Timeline](https://oakwicklendinggroup.com/resources/concord-nc-zoning-and-permits-before-you-lease/): Before leasing or upfitting commercial space in Concord, NC, check the City of Concord's Small Business Permit Guide, which separates businesses moving into existing space from those constructing or upfitting. Oakwick Lending Group, a small-business funding broker in Concord, NC, explains how zoning, permits and inspections line up with a lease and a funding request. - [Free Small Business Help in Concord and Cabarrus County, NC](https://oakwicklendinggroup.com/resources/cabarrus-county-small-business-resources/): Concord, NC and Cabarrus County owners can get free help from the Rowan-Cabarrus Community College Small Business Center, the NC SBTDC, the Cabarrus Economic Development Corporation, the Cabarrus Center for Innovation and Entrepreneurship and state and federal offices. Oakwick Lending Group, a small-business funding broker in Concord, NC, lists them here and is not affiliated with any. - [Construction Equipment Payment Calculator for Cabarrus County, NC Contractors](https://oakwicklendinggroup.com/resources/construction-equipment-payment-calculator/): This construction equipment payment calculator works out the monthly payment and total cost, including the down payment, of financing a machine from its price, down payment, interest rate and term. Oakwick Lending Group, a small-business funding broker in Concord, NC, provides it for Cabarrus County contractors as illustrative arithmetic only, not an offer or estimate of terms. ## Areas served - [Funding a Business in Concord, NC: Cabarrus County, NC by the Numbers](https://oakwicklendinggroup.com/concord-nc/): Oakwick Lending Group, a small-business funding broker in Concord, NC, at 4 Union St S, works with owners across Cabarrus County, where 5,279 employer establishments operated in 2023 and 54.1 percent had fewer than five employees (Census CBP). This page covers local business data, permit and advising contacts, and how lending partners view the county's main sectors. - [Communities We Serve in Cabarrus County, NC](https://oakwicklendinggroup.com/service-areas/): Oakwick Lending Group, a small-business funding broker in Concord, NC, works with owners across Cabarrus County and neighboring counties from one address at 4 Union St S. Kannapolis, Harrisburg, Mount Pleasant, China Grove, Midland and Locust have their own pages; seven more towns are summarized here with Census ZIP Code Business Patterns figures. Every credit decision rests with a lending partner. - [Business Funding for Kannapolis, NC Businesses](https://oakwicklendinggroup.com/service-areas/kannapolis-nc/): Oakwick Lending Group, a small-business funding broker in Concord, NC, works with Kannapolis, NC owners by phone and online. ZIP 28083, one of Kannapolis's two postal ZIP codes, had 524 employer establishments in 2023, led by retail trade (Census ZBP). Lending partners alone decide on credit and set any rate or term. - [Business Funding for Harrisburg, NC Businesses](https://oakwicklendinggroup.com/service-areas/harrisburg-nc/): Oakwick Lending Group, a small-business funding broker in Concord, NC, works with Harrisburg, NC owners by phone and online. ZIP 28075 had 491 employer establishments in 2023, led by professional services and construction (Census ZBP). Lending partners alone decide on credit and set any rate or term. - [Business Funding for Mount Pleasant, NC Businesses](https://oakwicklendinggroup.com/service-areas/mount-pleasant-nc/): Oakwick Lending Group, a small-business funding broker in Concord, NC, works with Mount Pleasant, NC owners by phone and online. ZIP 28124 had 163 employer establishments in 2023, and construction accounted for 47 of them (Census ZBP). Lending partners alone decide on credit and set any rate or term. - [Business Funding for China Grove, NC Businesses](https://oakwicklendinggroup.com/service-areas/china-grove-nc/): Oakwick Lending Group, a small-business funding broker in Concord, NC, works with China Grove, NC owners in Rowan County by phone and online. ZIP 28023 had 267 employer establishments in 2023, with construction and retail almost level (Census ZBP). Lending partners alone decide on credit and set any rate or term. - [Business Funding for Midland, NC Businesses](https://oakwicklendinggroup.com/service-areas/midland-nc/): Oakwick Lending Group, a small-business funding broker in Concord, NC, works with Midland, NC owners by phone and online. ZIP 28107 had 229 employer establishments in 2023, and 69 were in construction (Census ZBP). Lending partners alone decide on credit and set any rate or term. - [Business Funding for Locust, NC Businesses](https://oakwicklendinggroup.com/service-areas/locust-nc/): Oakwick Lending Group, a small-business funding broker in Concord, NC, works with Locust, NC owners by phone and online. ZIP 28097 had 227 employer establishments in 2023; construction led with 44, and 81.8 percent of those had fewer than five employees (Census ZBP). Every credit decision rests with a lending partner. ## Company - [Business Funding Broker Serving Concord and Cabarrus County, NC](https://oakwicklendinggroup.com/): Oakwick Lending Group, a small-business funding broker in Concord, NC, does not lend money. From 4 Union St S it helps Cabarrus County owners compare six business funding types and introduces each request to lending partners, which approve or decline it and set every rate and term. Call (980) 352-5260 to talk the need through. - [From Application to Offer: How a Concord, NC Funding Broker Works](https://oakwicklendinggroup.com/how-it-works/): Oakwick Lending Group, a small-business funding broker in Concord, NC, works in four steps: a call about the purpose, matching it to a funding type, sending the request to suitable lending partners, and helping you compare any offer. Partners make every credit decision and set rates and terms; you decide whether to accept. - [Business Funding Questions From Concord, NC Owners](https://oakwicklendinggroup.com/faq/): This page gathers short answers for Cabarrus County business owners about what Oakwick Lending Group, a small-business funding broker in Concord, NC, does and does not do, how to choose funding, whether an LLC can borrow, paying yourself from business funding and checking North Carolina records before applying. - [Request Business Funding Options in Concord, NC](https://oakwicklendinggroup.com/apply/): Oakwick Lending Group, a small-business funding broker in Concord, NC, takes funding requests through a short form asking for name, email, phone and business name, followed by a call about the purpose. Lending partners make every credit decision and set rates and terms; sending the form commits you to nothing. - [About Oakwick Lending Group, a Business Funding Broker in Concord, NC](https://oakwicklendinggroup.com/about/): Oakwick Lending Group, a small-business funding broker in Concord, NC, is based at 4 Union St S. It explains six business funding types to Cabarrus County owners and introduces requests to lending partners, which make credit decisions and set rates and terms. It does not lend, buy receivables or arrange consumer loans. - [Contact Oakwick Lending Group in Concord, NC](https://oakwicklendinggroup.com/contact/): Oakwick Lending Group, a small-business funding broker in Concord, NC, is at 4 Union St S, Concord, NC 28025, phone (980) 352-5260. Owners can call or send the short online form and receive a call back. Oakwick Lending Group is a broker, not a lender; lending partners make credit decisions. - [Broker Disclosures for Oakwick Lending Group, Concord, NC](https://oakwicklendinggroup.com/disclosures/): Oakwick Lending Group, a small-business funding broker in Concord, NC, is a broker, not a lender: it introduces business funding requests to lending partners, which make credit decisions and set rates and terms. A merchant cash advance is not a loan. These disclosures explain the relationship, information sharing and consent. ## Optional - [Full text of every page](https://oakwicklendinggroup.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://oakwicklendinggroup.com/sitemap.xml)