# Cedarland Lending > Cedarland Lending is a small-business funding broker at 123 US-285, Roswell, NM 88203 (phone (505) 404-7463). It helps businesses in Roswell, NM and across Chaves County, New Mexico, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Cedarland Lending connects you with lending partners; partners make credit decisions and set rates and terms. Cedarland Lending is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Cedarland Lending does not arrange personal, payday, auto title, startup or SBA loans. Key facts: - Business type: small-business funding broker (not a lender) - Address: 123 US-285, Roswell, NM 88203, United States - Phone: (505) 404-7463 - Apply: https://cedarlandlending.com/apply/ - Service area: Roswell, NM and all of Chaves County, New Mexico - Language: English ## Funding options - [Roswell, NM Business Funding Options Compared](https://cedarlandlending.com/business-loans/): Cedarland Lending, a small-business funding service in Roswell, NM, compares six funding types here: term loans, working capital, credit lines, equipment and inventory financing, and merchant cash advances. Each is matched to a money purpose such as payroll, stock, equipment, uneven months or expansion, with notes on secured and unsecured structures. - [Working Capital Loans for Roswell, New Mexico Businesses](https://cedarlandlending.com/business-loans/working-capital/): Cedarland Lending, a small-business funding service in Roswell, NM, arranges working capital loans that cover payroll, rent and supplier bills while customer, insurer or contractor payments are still in transit. This page explains payroll use, how partners size the amount, why the term is short, and how working capital differs from a credit line or an advance. - [Business Term Loans for Expansion and Second Locations in Roswell, NM](https://cedarlandlending.com/business-loans/term-loans/): Cedarland Lending, a small-business funding service in Roswell, NM, arranges business term loans for planned projects: expansions, second locations, remodels and business purchases. This page covers expansion loan requirements, opening a second location, amortization, balloon payments and paying a loan off early, with an illustrative example of how a project budget is set out. - [Business Lines of Credit for Uneven Months in Roswell, NM](https://cedarlandlending.com/business-loans/line-of-credit/): Cedarland Lending, a small-business funding service in Roswell, NM, arranges business lines of credit for owners whose income and costs do not move in step. This page covers lines for seasonal businesses and seasonal hires, payroll draws, the draw period, revolving and non-revolving lines, and when a term loan is the better tool. - [Inventory Financing for Roswell, New Mexico Shops and Stations](https://cedarlandlending.com/business-loans/inventory-financing/): Cedarland Lending, a small-business funding service in Roswell, NM, arranges inventory financing for stores, fuel stations, parts counters and dealers who buy stock ahead of sales. This page explains using a loan to buy inventory, how inventory financing works, a labeled example, floor plan financing, and how it compares with a line of credit. - [Equipment Financing and Leasing in Roswell, New Mexico](https://cedarlandlending.com/equipment-financing/): Cedarland Lending, a small-business funding service in Roswell, NM, arranges equipment financing and leasing for kitchens, garages, contractors, practices and other businesses. This page covers how equipment financing works, used equipment, restaurant and contractor equipment, loans versus leases and equipment finance agreements, and soft costs such as delivery and installation. - [Merchant Cash Advances for Roswell, NM Card-Sales Businesses](https://cedarlandlending.com/merchant-cash-advance/): Cedarland Lending, a small-business funding service in Roswell, NM, arranges merchant cash advances for businesses with steady card or bank receipts. An advance is a purchase of future receivables, not a loan. This page explains the holdback, the factor rate, a labeled worked example, stacking, credit reporting, and when a loan is the cheaper route. ## Industries - [Roswell, NM Industries and Their Funding Needs](https://cedarlandlending.com/industries/): Cedarland Lending, a small-business funding service in Roswell, NM, sets out here how about forty kinds of local business typically use funding, from contractors and kitchens to clinics, garages, fuel stations, stores and firms. Each note uses Census Bureau employer counts for Chaves County, NM and points to the product or industry page that fits. - [Business Funding for Roswell, NM Contractors and Builders](https://cedarlandlending.com/industries/construction/): Cedarland Lending, a small-business funding service in Roswell, NM, arranges funding for general contractors, home builders and specialty trades across Chaves County, NM. This page covers working capital between draws, retainage, equipment financing for crews, what partners review, a labeled example of sizing a gap, and the county's construction figures from the Census Bureau. - [Business Funding for Roswell, NM Plumbing and HVAC Contractors](https://cedarlandlending.com/industries/plumbing-hvac/): Cedarland Lending, a small-business funding service in Roswell, NM, arranges funding for plumbing and HVAC contractors in Chaves County, NM. This page covers service vans and equipment, parts stock, technician payroll between install billings, service-agreement revenue, buying a plumbing business, what partners review and the county's trade figures from the Census Bureau. - [Business Funding for Roswell, NM Restaurants and Food Service](https://cedarlandlending.com/industries/restaurants/): Cedarland Lending, a small-business funding service in Roswell, NM, arranges funding for full-service restaurants, quick-service counters, cafes and caterers in Chaves County, NM. This page covers working capital for food and labor, commercial kitchen equipment financing, restaurant supply purchases, buying a restaurant, when an advance makes sense and what partners review, with county figures. - [Business Funding for Roswell, NM Chiropractic, Physical Therapy and Optometry Practices](https://cedarlandlending.com/industries/therapy-practices/): Cedarland Lending, a small-business funding service in Roswell, NM, arranges funding for chiropractic, physical therapy, optometry and other practitioner offices in Chaves County, NM. This page covers equipment financing for tables, imaging and rehab gear, working capital through insurance billing lag, second-location build-outs, what partners review, and the county's practitioner figures. - [Business Funding for Roswell, NM Physician and Medical Practices](https://cedarlandlending.com/industries/medical-practices/): Cedarland Lending, a small-business funding service in Roswell, NM, arranges funding for physician offices, clinics and group practices in Chaves County, NM. This page covers working capital through reimbursement lag, medical equipment financing, physician buy-ins and practice purchases, what partners review, a labeled example, and the county's physician-office figures from the Census Bureau. - [Business Funding for Roswell, NM Auto Repair Shops](https://cedarlandlending.com/industries/auto-repair/): Cedarland Lending, a small-business funding service in Roswell, NM, arranges funding for auto repair, tire, body and maintenance shops in Chaves County, NM. This page covers automotive lift financing, diagnostic and alignment equipment, parts inventory, working capital for fleet and warranty receivables, buying a mechanic shop, what partners review and county figures. - [Business Funding for Roswell, NM Gas Stations and Convenience Stores](https://cedarlandlending.com/industries/gas-stations/): Cedarland Lending, a small-business funding service in Roswell, NM, arranges funding for gas stations and convenience stores in Chaves County, NM. This page covers buying a gas station, commercial loans for station property and equipment, fuel and in-store inventory, coolers and point-of-sale systems, what partners review, and the county's gasoline-station figures. - [Business Funding for Roswell, NM Accounting, Tax and Bookkeeping Firms](https://cedarlandlending.com/industries/accounting-firms/): Cedarland Lending, a small-business funding service in Roswell, NM, arranges funding for accounting, tax preparation, bookkeeping and payroll firms in Chaves County, NM. This page covers covering wages before clients pay, CPA firm acquisition financing, buying a book of business, software and office costs, how to grow a practice, and county figures. ## Guides and calculators - [Roswell, NM Business Funding Guides and Calculator](https://cedarlandlending.com/resources/): Cedarland Lending, a small-business funding service in Roswell, NM, keeps practical guides here: the City of Roswell, NM business license, New Mexico contractor licenses, zoning and building permits, a Chaves County, NM help directory, and a business acquisition loan calculator. Each guide focuses on the records partners commonly review. - [City of Roswell, NM Business Licenses: Applying, Renewing and Looking Up a License Before Funding](https://cedarlandlending.com/resources/roswell-nm-business-license-guide/): Cedarland Lending, a small-business funding service in Roswell, NM, put together this checklist on the City of Roswell, NM business license: confirming the business is inside city limits, applying, renewing, looking up an existing license, and matching the license record to the entity and bank account partners review. Fees and rules are for the city and counsel. - [New Mexico Contractor Licenses: What Roswell, NM Contractors Keep Ready for an Equipment or Working Capital Request](https://cedarlandlending.com/resources/new-mexico-contractor-license/): Cedarland Lending, a small-business funding service in Roswell, NM, wrote this guide for contractors who request equipment financing or working capital. It covers looking up a New Mexico contractor license, why the classification and qualifying party matter to partners, and the records to keep ready. Licensing rules themselves come from the state and counsel. - [Roswell, NM Zoning and Building Permits Before You Lease or Remodel a Commercial Space](https://cedarlandlending.com/resources/roswell-nm-zoning-and-building-permits/): Cedarland Lending, a small-business funding service in Roswell, NM, wrote this checklist for owners leasing, buying or remodeling a commercial space: checking jurisdiction and zoning, the planning and zoning questions to ask, building permit timing, and the permit records partners review for a build-out or expansion loan. The city's own rules come from the city. - [Small Business Help in Roswell, NM and Chaves County, NM: Chambers, Advisers and Records](https://cedarlandlending.com/resources/chaves-county-small-business-resources/): Cedarland Lending, a small-business funding service in Roswell, NM, lists here the kinds of local help Chaves County, NM owners use: chambers of commerce, small business development advisers, economic development offices and county property records. Cedarland is not affiliated with these organizations; contact details still need a human check and are marked as such. - [Business Acquisition Loan Calculator for Buying a Roswell, NM Business](https://cedarlandlending.com/resources/business-acquisition-loan-calculator/): Cedarland Lending, a small-business funding service in Roswell, NM, offers this loan payment calculator for buyers pricing a business purchase. Enter the amount you would borrow, an annual rate and a term; it shows the monthly payment, total interest and total paid. Working out the loan amount from a price and down payment is a by-hand step explained below. ## Areas served - [Roswell, New Mexico Business Funding: Chaves County, NM Facts and Local Steps](https://cedarlandlending.com/roswell-nm/): Cedarland Lending, a small-business funding service in Roswell, NM, uses this page to set out Chaves County, NM business figures from the Census Bureau, the sectors that lead them, the city license and permit steps owners meet before funding, and the industries with their own funding pages. Requests are taken by phone and online form. - [Chaves County, NM Areas Served From Roswell, NM](https://cedarlandlending.com/service-areas/): Cedarland Lending, a small-business funding service in Roswell, NM, takes funding requests from across Chaves County, NM by phone and online form. This page summarizes the towns nearest the city, Dexter, Hagerman and Midway, with ZIP-level Census Bureau figures where they exist, and points to the Roswell, NM page for county data. ## Company - [Business Funding in Roswell, New Mexico: Loans, Credit Lines and Equipment Financing](https://cedarlandlending.com/): Cedarland Lending, a small-business funding service in Roswell, NM, takes requests by phone and online form for working capital, term loans, lines of credit, inventory and equipment financing, and merchant cash advances. Every request is reviewed by funding partners, who set whatever terms they offer. Start by naming the expense, not the product. - [How Cedarland Works on a Roswell, NM Funding Request](https://cedarlandlending.com/how-it-works/): Cedarland Lending, a small-business funding service in Roswell, NM, explains here how a funding request moves: the first call or form, preparing the request, partner review and comparing replies. It covers the usual requirements for a business loan, whether applying affects your credit, personal guarantees, reading APR against a factor rate, and what Cedarland's role is. - [Roswell, NM Business Funding FAQ](https://cedarlandlending.com/faq/): Cedarland Lending, a small-business funding service in Roswell, NM, answers common owner questions here: whether a business loan can pay the owner, whether an LLC can borrow, what a personal guarantor is, whether a merchant cash advance is a loan, and what happens after a request is sent. Every answer points to the Cedarland page that covers it in full. - [About Cedarland Lending in Roswell, NM](https://cedarlandlending.com/about/): Cedarland Lending, a small-business funding service in Roswell, NM, matches funding requests from Chaves County, NM businesses with partners that review them and make their own decisions. This page explains what Cedarland does, what it does not do, where it is based and how to reach it by phone or online form. - [Contact Cedarland Lending in Roswell, NM](https://cedarlandlending.com/contact/): Cedarland Lending, a small-business funding service in Roswell, NM, can be reached by phone at (505) 404-7463 or through the online request form. This page lists the phone number and office address, explains what to have in mind before calling, and links to the request form and the Roswell, NM page. - [Request Funding Options in Roswell, NM](https://cedarlandlending.com/apply/): Cedarland Lending, a small-business funding service in Roswell, NM, takes funding requests through this form. It asks for your full name, phone, email and company name (optional), time in business, annual revenue range and requested amount range, plus consent. A follow-up call covers the expense and timing before partners review it. - [Disclosures for Cedarland Lending (Roswell, NM)](https://cedarlandlending.com/disclosures/): Cedarland Lending, a small-business funding service in Roswell, NM, sets out its disclosures here: it is a broker, not a lender; funding partners make every credit decision and set rates and terms; merchant cash advances are not loans; examples on this site are illustrative; and local figures come from public Census Bureau data. ## Optional - [Full text of every page](https://cedarlandlending.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://cedarlandlending.com/sitemap.xml)