# Mintstone Lending Group > Mintstone Lending Group is a small-business funding broker at 209 W Main St, Salisbury, MD 21801 (phone (667) 304-5623). It helps businesses in Salisbury, MD; Fruitland, MD and across Wicomico County, Maryland, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Mintstone Lending Group sends business funding requests to funding partners; each partner reviews a request and sets its own decision, pricing and terms. Mintstone Lending Group is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Mintstone Lending Group does not arrange personal, payday, auto title, mortgage, startup or SBA loans, does not offer grants, and does not arrange funding for trucking. Key facts: - Business type: small-business funding broker (not a lender) - Address: 209 W Main St, Salisbury, MD 21801, United States - Phone: (667) 304-5623 - Apply: https://mintstonelendinggroup.com/apply/ - Service area: Salisbury, MD; Fruitland, MD and all of Wicomico County, Maryland - Language: English ## Funding options - [Business Loans in Salisbury, MD Compared: Installments, Credit Lines, Leases and Advances](https://mintstonelendinggroup.com/business-loans/): Mintstone Lending Group in Salisbury, Maryland compares six ways a business can fund a cost: working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. This page shows how each is paid back or collected and which costs each one suits. - [Small Business Working Capital Loans in Salisbury, MD: Payroll Before Payers Pay](https://mintstonelendinggroup.com/business-loans/working-capital/): Mintstone Lending Group passes working capital requests from Salisbury, Maryland businesses to funding partners for review. This page explains how to size a cash gap from your own records, whether working capital is short or long term, how partners set an amount, and how payroll use works. - [Business Term Loan in Salisbury, MD: Fixed Payments for a Buyout or Build-Out](https://mintstonelendinggroup.com/business-loans/term-loans/): Mintstone Lending Group in Salisbury, Maryland matches term loan requests with funding partners. This page covers term loans for buying a business or practice, for expansion and growth, how amortization works, and the records a partner reads. - [Business Line of Credit in Salisbury, MD: Draw-and-Repay Credit for Auto Shops](https://mintstonelendinggroup.com/business-loans/line-of-credit/): Mintstone Lending Group in Salisbury, Maryland matches line of credit requests with funding partners. This page explains how a business line of credit works, what a draw period is, the records partners read, the costs to compare and when another type fits. - [Inventory Financing in Salisbury, MD: Buying Stock Ahead for Clothing Stores](https://mintstonelendinggroup.com/business-loans/inventory-financing/): Mintstone Lending Group in Salisbury, Maryland matches inventory financing requests with funding partners. This page explains how inventory loans and lines work, which stores in Wicomico County, MD use them, the numbers to have ready and the costs to compare. - [Equipment Financing in Salisbury, MD: Exam Tables and Kitchen Lines](https://mintstonelendinggroup.com/equipment-financing/): Mintstone Lending Group in Salisbury, Maryland matches equipment financing requests with funding partners. This page covers gym, food truck, landscaping, heavy and dental equipment, used equipment, and how equipment loans and leases work. - [Merchant Cash Advance in Salisbury, MD: Card-Sales Advances for Kitchens and Salons](https://mintstonelendinggroup.com/merchant-cash-advance/): Mintstone Lending Group in Salisbury, Maryland matches merchant cash advance requests with providers. An advance buys a share of future receipts and is not a loan. This page explains factor rates, holdbacks, fees, revenue-based financing and credit reporting. ## Industries - [Business Loans by Industry in Salisbury, MD: Clinics, Kitchens, Shops and Crews](https://mintstonelendinggroup.com/industries/): Mintstone Lending Group, a small-business funding service in Salisbury, Maryland, groups its funding notes by industry. Fourteen industries have full pages; the rest have a note here with Wicomico County, MD counts from the Census Bureau. - [Restaurant Loans in Salisbury, MD: Hoods and Walk-Ins](https://mintstonelendinggroup.com/industries/restaurants/): Mintstone Lending Group in Salisbury, Maryland matches restaurant funding requests with funding partners. This page covers loans for full-service and counter-service restaurants, kitchen equipment, cash advances, food trucks and buying an existing restaurant, with Wicomico County, MD counts. - [Medical Practice Loans in Salisbury, MD: Diagnostic Gear](https://mintstonelendinggroup.com/industries/medical-practices/): Mintstone Lending Group in Salisbury, Maryland matches medical practice funding requests with funding partners. This page covers physician practice loans, clinic equipment, office build-outs, practice purchases and insurer payment timing, with Wicomico County, MD counts. - [Salon Business Loans in Salisbury, MD: Chairs and Stations](https://mintstonelendinggroup.com/industries/salons-and-barbershops/): Mintstone Lending Group in Salisbury, Maryland matches salon and barbershop funding requests with funding partners. This page covers beauty and nail salon financing, barber shop loans, equipment, buying a salon and how payments fit a booking calendar. - [Dental Office Loans in Salisbury, MD: Operatories and Cone-Beam CT](https://mintstonelendinggroup.com/industries/dental-practices/): Mintstone Lending Group in Salisbury, Maryland matches dental practice funding requests with funding partners. This page covers dental equipment, operatory build-outs, practice purchases, insurer and patient payment timing and the records partners read. - [Business Loans for Retail in Salisbury, MD: Fixtures and POS Systems](https://mintstonelendinggroup.com/industries/retail/): Mintstone Lending Group in Salisbury, Maryland matches retail funding requests with funding partners. This page covers stock, fixtures, point-of-sale systems, remodels, furniture and general merchandise stores, and the records partners read, with Wicomico County, MD counts. - [Construction Business Loans in Salisbury, MD: Excavators and Job Costs](https://mintstonelendinggroup.com/industries/construction/): Mintstone Lending Group in Salisbury, Maryland matches construction funding requests with funding partners. This page covers contractor loans and credit lines, equipment, retainage, trade contractors and the records partners read, with Wicomico County, MD counts. - [Auto Repair Shop Loans in Salisbury, MD: Lifts and Diagnostics](https://mintstonelendinggroup.com/industries/auto-repair-shops/): Mintstone Lending Group in Salisbury, Maryland matches auto repair and body shop funding requests with funding partners. This page covers lifts, diagnostics, body shop equipment, parts stock, buying a shop and the records partners read. - [Landscaping Equipment Financing in Salisbury, MD: Edgers and Hauling Trailers](https://mintstonelendinggroup.com/industries/landscaping/): Mintstone Lending Group in Salisbury, Maryland matches landscaping and lawn care funding requests with funding partners. This page covers mowers, trailers, trucks, used equipment, crew payroll and the records partners read. - [Boutique Loans in Salisbury, MD: Racks, Fixtures, POS and New Lines](https://mintstonelendinggroup.com/industries/clothing-stores-and-boutiques/): Mintstone Lending Group in Salisbury, Maryland matches boutique and clothing store funding requests with funding partners. This page covers new lines and reorders, fixtures, card-sales funding, markdown planning and the records partners read. - [Pharmacy Financing in Salisbury, MD: Dispensing Systems, Stock and Remodels](https://mintstonelendinggroup.com/industries/pharmacies/): Mintstone Lending Group in Salisbury, Maryland matches pharmacy funding requests with funding partners. This page covers stock funding, dispensing equipment, remodels, buying an independent pharmacy and the timing of reimbursements. - [Grocery Store Loans in Salisbury, MD: Coolers and Shelving](https://mintstonelendinggroup.com/industries/grocery-stores/): Mintstone Lending Group in Salisbury, Maryland matches grocery store funding requests with funding partners. This page covers refrigeration and shelving, stock funding, credit lines, the financial statements partners read and buying an existing store. - [Chiropractic Business Loans in Salisbury, MD: Therapy Gear and Rooms](https://mintstonelendinggroup.com/industries/chiropractic-and-therapy-practices/): Mintstone Lending Group in Salisbury, Maryland matches funding requests from chiropractors, physical therapists, optometrists and other practitioners with funding partners. This page covers equipment, build-outs, practice purchases and the records partners read. - [Gas Station Loans in Salisbury, MD: Dispensers, Store Coolers and Shelf Stock](https://mintstonelendinggroup.com/industries/gas-stations-and-convenience-stores/): Mintstone Lending Group in Salisbury, Maryland matches gas station and convenience store funding requests with funding partners. This page covers fuel equipment, store equipment and stock, buying a station and the records partners read. - [Law Firm Loans in Salisbury, MD: Partner Buy-Ins and Case Expenses](https://mintstonelendinggroup.com/industries/law-firms/): Mintstone Lending Group in Salisbury, Maryland matches law firm funding requests with funding partners. This page covers case expense funding, credit lines, partner buy-ins, office costs and the records partners read. ## Guides and calculators - [Business Guides and Tools for Salisbury, MD](https://mintstonelendinggroup.com/resources/): Mintstone Lending Group in Salisbury, Maryland publishes three practical guides and one calculator: Maryland lender types compared, the business license and trader's license steps, building permits and county zoning, and a factor rate calculator for cash advances. - [Salisbury, MD Business License and the Maryland Trader's License: Who Issues Each](https://mintstonelendinggroup.com/resources/salisbury-md-business-license-and-maryland-traders-license/): This guide from Mintstone Lending Group in Salisbury, Maryland explains the business license and trader's license sequence for a Wicomico County, MD business, the city licenses for certain activities, state occupational licenses, entity lookups and why funding partners ask about licenses. - [Salisbury, MD Building Permits and Wicomico County, MD Zoning for Clinic and Restaurant Fit-Outs](https://mintstonelendinggroup.com/resources/salisbury-md-building-permits-and-wicomico-zoning/): This guide from Mintstone Lending Group in Salisbury, Maryland explains the city and county permit and zoning offices a funded build-out passes through, the building code editions the city lists, the county zoning code and map, and how permit timing fits a loan schedule. - [Commercial Lenders in Maryland: Banks, Credit Unions, CDFIs and Online Funders Side by Side](https://mintstonelendinggroup.com/resources/types-of-business-lenders-in-maryland/): This guide from Mintstone Lending Group in Salisbury, Maryland compares the kinds of business lenders available to Maryland small businesses: banks, credit unions, community development lenders, SBA-backed loans, state programs, online funders and cash advance providers, with what each reads and what to ask. - [MCA Factor Rate Calculator for Salisbury, MD Businesses](https://mintstonelendinggroup.com/resources/mca-factor-rate-calculator/): This calculator from Mintstone Lending Group in Salisbury, Maryland multiplies a merchant cash advance by its factor rate to show the total collected and the dollar cost, and estimates collection time from a holdback share of sales. It uses figures you enter and is not an offer. ## Areas served - [Salisbury, MD Business Loans: Local Counts, Lender Types and City Offices](https://mintstonelendinggroup.com/salisbury-md/): Mintstone Lending Group helps businesses fund costs from Salisbury, Maryland, the Wicomico County seat. This page gathers county and ZIP-level business counts from the Census Bureau, the kinds of lenders local owners compare, and the city and county offices that handle permits, licenses and local business programs. - [Business Loan Service Areas Near Salisbury, MD Across Wicomico County, MD](https://mintstonelendinggroup.com/service-areas/): Mintstone Lending Group, in Salisbury, Maryland, takes funding requests by phone and form from businesses across Wicomico County, MD. This page lists the towns near Salisbury, gives ZIP-level Census counts where they exist and explains why ZIP counts are not town counts. - [Fruitland, MD Business Capital and Equipment Loans](https://mintstonelendinggroup.com/service-areas/fruitland-md/): Mintstone Lending Group in Salisbury, Maryland takes funding requests from Fruitland, MD businesses by phone and form. The town's ZIP code, which Fruitland covers almost entirely, had 94 employer establishments in 2023 with 1,057 paid employees (Census ZBP). ## Company - [Small Business Loans in Salisbury, MD: Home Builders, Auto Shops and Salons](https://mintstonelendinggroup.com/): Mintstone Lending Group helps owners price business funding from Salisbury, Maryland. Owners call or send a short form, describe the bill and the date revenue returns, and the request goes to funding partners, who decide on approval, amount, price and terms. - [How to Get a Business Loan in Salisbury, MD: From First Call to a Partner's Decision](https://mintstonelendinggroup.com/how-it-works/): Mintstone Lending Group in Salisbury, Maryland explains how a funding request moves from a first call or form to a funding partner's decision, which documents partners ask for, how bank statements are read, and how the amount changes the file. - [Business Loan Questions From Salisbury, MD Owners, Answered One by One](https://mintstonelendinggroup.com/faq/): Answers from Mintstone Lending Group in Salisbury, Maryland to frequent business funding questions: prepayment, LLC requests, owner pay, equipment and taxes, how long reviews take, and whether equipment financing is a loan. - [About Mintstone Lending Group in Salisbury, MD: What We Do and What Partners Decide](https://mintstonelendinggroup.com/about/): Mintstone Lending Group works from Salisbury, Maryland, helping small businesses line up funding. It takes requests by phone and form, matches them with funding partners, and leaves approval, amounts and terms to those partners. - [Contact Mintstone Lending Group in Salisbury, MD: Phone and Request Form](https://mintstonelendinggroup.com/contact/): Mintstone Lending Group in Salisbury, Maryland can be reached by phone at (667) 304-5623 or through the online request form. Both lead to a conversation about the cost, the amount and the timing. - [Apply for Business Funding Online From Salisbury, MD](https://mintstonelendinggroup.com/apply/): The Mintstone Lending Group request form collects full name, phone, email, company name and three range answers: time in business, annual revenue and requested amount, plus a required consent box. A partner reviewing the request may later ask for statements and returns. - [Disclosures (Wicomico County, MD)](https://mintstonelendinggroup.com/disclosures/): Mintstone Lending Group in Salisbury, Maryland is a funding broker, not a lender. It matches funding requests with partners that review them and make their own decisions on approval and terms. A merchant cash advance is not a loan. Read every offer in full before signing. ## Optional - [Full text of every page](https://mintstonelendinggroup.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://mintstonelendinggroup.com/sitemap.xml)