# Rainside Capital Group

> Rainside Capital Group is a small-business funding broker at 22 3rd St NW, Faribault, MN 55021 (phone (507) 405-1836). It helps businesses in Faribault, MN; Dundas, MN; Lonsdale, MN; Morristown, MN; Nerstrand, MN and across Rice County, Minnesota; and in Northfield, MN (Dakota and Rice counties), explore business lines of credit, working capital and term loans, equipment and inventory financing, and merchant cash advances. Rainside Capital Group is a business funding broker, not a lender: it passes requests to funding partners, who set their own terms and make every decision. Rainside Capital Group is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Rainside Capital Group does not arrange trucking or agriculture funding, startup or SBA loans, real-estate or mortgage loans, or factoring.

Key facts:
- Business type: small-business funding broker (not a lender)
- Address: 22 3rd St NW, Faribault, MN 55021, United States
- Phone: (507) 405-1836
- Apply: https://rainsidecapitalgroup.com/apply/
- Places: Faribault, MN; Dundas, MN; Lonsdale, MN; Morristown, MN; Nerstrand, MN and all of Rice County, Minnesota; also Northfield, MN (Dakota and Rice counties)
- Language: English

## Funding options
- [Types of Business Loans for Faribault, MN Restaurants and Insurance Agencies](https://rainsidecapitalgroup.com/business-loans/): Credit lines, term loans, equipment and inventory financing, working capital loans and merchant cash advances differ in how money is paid out and paid back. Funding partners set the terms.
- [Working Capital Loans for Restaurants and Insurance Agencies in Faribault, MN, Week to Week](https://rainsidecapitalgroup.com/business-loans/working-capital/): Short-term funding for payroll, stock and bills while invoices are open. Rainside Capital Group passes the request to funding partners; they set the term and decide.
- [Business Term Loans in Faribault, MN for Expansions by Restaurants and Insurance Agencies](https://rainsidecapitalgroup.com/business-loans/term-loans/): One lump sum, repaid in fixed installments. Fits a buyout, an acquisition or an expansion with a known price. Funding partners set the rate, the term and any down payment.
- [Business Lines of Credit in Faribault, MN for Restaurants and Insurance Agencies](https://rainsidecapitalgroup.com/business-loans/line-of-credit/): A reusable limit for materials, food orders, parts and payroll gaps; interest runs on the drawn balance only. The limit, rate and renewal terms come from the funding partner.
- [Inventory Financing in Faribault, MN for Auto Shops, Builders and Manufacturers Buying Ahead](https://rainsidecapitalgroup.com/business-loans/inventory-financing/): A loan or line secured by the stock it buys: parts, materials or components bought before the sale. Funding partners decide how much of the stock value they can lend.
- [Equipment Financing in Faribault, MN: Excavators, Shop Lifts and CNC Machines](https://rainsidecapitalgroup.com/equipment-financing/): Monthly payments on a machine the business is already using, written as a loan, an equipment finance agreement or a lease. The equipment can serve as collateral; funding partners set the rate, term and down payment.
- [Merchant Cash Advances in Faribault, MN Compared With Revenue-Based Financing for Restaurants](https://rainsidecapitalgroup.com/merchant-cash-advance/): A sale of future card receivables, not a loan: the provider pays now and collects a fixed total, the advance times the factor rate, from a share of card sales. Slower weeks stretch the timing, not the total.

## Industries
- [Faribault, MN Restaurant Loans: Broilers, Prep Tables and a Banquet Room](https://rainsidecapitalgroup.com/industries/restaurants/): A Faribault, MN restaurant can finance kitchen equipment against the equipment itself, use a term loan for a banquet room or a purchase of an existing restaurant, and cover food and payroll gaps with working capital. Requirements differ from one funding partner to the next, and the partner, not this site, says yes or no.
- [Financing for Contractors in Faribault, MN: Trusses, Lumber Packages and a Second Framing Crew](https://rainsidecapitalgroup.com/industries/construction/): Contractors in Faribault, MN can finance machines against the machine, carry materials and payroll between draws with a line of credit or working capital, and use a term loan for one large purchase. Each funding partner reviews the request and decides.
- [Faribault, MN Business Loans for Retail: Boutique Racks, Fitting Rooms and Online Orders](https://rainsidecapitalgroup.com/industries/retail/): A Faribault, MN store can finance stock with inventory financing or a line of credit, buy registers and display fixtures with equipment financing, and look at a merchant cash advance when card sales are steady. A funding partner reviews each request.
- [Auto Repair Shop Loans in Faribault, MN: Diagnostic Software, Vehicle Lifts and Technician Hiring](https://rainsidecapitalgroup.com/industries/auto-repair/): A Faribault, MN repair shop can finance lifts, alignment racks and scan tools with equipment financing, cover parts, software and new technicians with working capital, and buy an established shop with a term loan. A funding partner reviews each request.
- [Manufacturing Equipment Financing in Faribault, MN: Quality Lab Gear, Saws and Long Receivables](https://rainsidecapitalgroup.com/industries/manufacturing/): A Faribault, MN plant can finance CNC machines, lasers, saws and inspection gear against the equipment, use a term loan for a larger step, and carry raw material and long customer payment terms with a line of credit or inventory financing. A funding partner reviews each request.
- [Faribault, MN Business Loans for Real Estate Agents: Transaction Software and Uneven Commission Months](https://rainsidecapitalgroup.com/industries/real-estate-agents/): A Faribault, MN agent or team can use a line of credit for marketing and office costs between closings and working capital for a hire or a second office. Property purchases are not financed here. Each request goes to a funding partner, whose own review settles it.
- [Accounting Firm Loans in Faribault, MN: Partner Buyouts and Office Moves](https://rainsidecapitalgroup.com/industries/accounting-firms/): A Faribault, MN accounting, consulting or engineering firm can use a term loan for a partner buyout, a merger or a practice purchase, and a line of credit for payroll while invoices are open. A funding partner looks at each request and makes the call.
- [Chiropractic Practice Loans in Faribault, MN: Second Clinics and Therapy Equipment](https://rainsidecapitalgroup.com/industries/chiropractic-and-therapy-practices/): A Faribault, MN chiropractic, therapy or optometry office can finance tables, imaging and exam lane equipment against the equipment, carry payroll during insurance waits with working capital, and use a term loan for a second clinic or a practice purchase.
- [Faribault, MN Insurance Agency Loans: Book Purchases, Hiring and Office Costs](https://rainsidecapitalgroup.com/industries/insurance-agencies/): A Faribault, MN agency can use a term loan to buy a book of business, another agency or a co-owner's share, and a line of credit for staff and office costs. A funding partner reviews the commission income and decides.
- [Business Loans by Industry for Faribault, MN: From Electricians to Manufacturers](https://rainsidecapitalgroup.com/industries/): Nine Rice County, MN trades have their own funding pages, from restaurants to insurance agencies. Hotels, landscapers, salons, gyms, clinics, child care providers and law offices get short notes, each with its 2023 County Business Patterns count.

## Tools and calculators
- [Small Business Resources for Faribault, MN Restaurants and Insurance Agencies: Checklists and a Calculator](https://rainsidecapitalgroup.com/resources/): A documents checklist, loan preparation steps, a business-plan outline and the line of credit calculator, written for Faribault, MN restaurants, insurance agencies, manufacturers and electricians.
- [Business Line of Credit Loan Calculator for Faribault, MN Builders and Shops](https://rainsidecapitalgroup.com/resources/business-line-of-credit-loan-calculator/): Enter a drawn balance, an annual rate and a term in months to see a level monthly payment, the total interest and the total repaid. Interest-only months are worked by hand on this page; the line of credit page shows draws month by month.

## Communities near Faribault, MN
- [Faribault, MN Business Loans: Rice County, MN Facts, Local Lenders and Manufacturers](https://rainsidecapitalgroup.com/faribault-mn/): Faribault, MN owners can compare banks, credit unions, online lenders and a request through Rainside Capital Group. Rice County, MN Census counts frame each trade on this page; one call starts a request, and funding partners decide.
- [Business Loans for Electricians and Manufacturers in Cities Near Faribault, MN](https://rainsidecapitalgroup.com/service-areas/): Northfield, Dundas, Lonsdale, Morristown and Nerstrand, MN share the Faribault, MN phone line and request form. ZIP Code employer counts for each city, plus lease steps and a checklist for electricians and manufacturers.

## Company
- [Small Business Loans for Faribault, MN Restaurants, Insurance Agencies and Electricians](https://rainsidecapitalgroup.com/): Rainside Capital Group passes Faribault, MN funding requests to partners who set terms and decide. Call (507) 405-1836 to talk through credit lines, term loans, equipment, inventory, working capital or a cash advance.
- [How Getting a Business Loan Works for Faribault, MN Manufacturers, Step by Step](https://rainsidecapitalgroup.com/how-it-works/): A call about the need, a short request form, then a funding partner's own review with documents and credit. Any offer comes from the partner, and the business decides whether to take it.
- [Business Loan Questions for Faribault, MN Restaurants and Insurance Agencies](https://rainsidecapitalgroup.com/faq/): Short answers on agency purchases, line-of-credit taxes and terms, EINs and credit checks. Funding partners set their own requirements, and a tax preparer answers tax questions.
- [About Rainside Capital Group: Business Loans for Faribault, MN Manufacturers](https://rainsidecapitalgroup.com/about/): A Faribault, MN business can send one funding request to Rainside Capital Group by phone or through the request form, and Rainside Capital Group passes it to funding partners. The partners review it, set any terms and decide. This page covers the order of steps, the other places owners look for a small business loan, and how a manufacturer or an electrician starts.
- [Contact Rainside Capital Group: Business Loan Questions and Answers for Faribault, MN Restaurants](https://rainsidecapitalgroup.com/contact/): Phone (507) 405-1836 reaches Rainside Capital Group; the request form is the other way in. This page lists the questions a Faribault, MN finishing contractor, electrician or manufacturer can ask a lender or funding partner before applying: total cost, early payoff, liens, guarantees, payment timing and credit checks.
- [Business Loan Application for Faribault, MN Restaurants and Insurance Agencies](https://rainsidecapitalgroup.com/apply/): The application through this site has five steps: a call, the request form, the request going to funding partners, the partner's own review and the owner's comparison of offers. This page also covers what banks and partners look at, the documents an electrician can gather and a checklist for Faribault, MN manufacturers.
- [Disclosures for Rainside Capital Group, Faribault, MN](https://rainsidecapitalgroup.com/disclosures/): Rainside Capital Group is a business funding broker, not a lender. Funding partners review each request, set every term and decide. The request form is not a credit application. Census figures on the site carry their program and year, and illustrations use invented figures.

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