# Cedarstone Business Funding > Cedarstone Business Funding is a small-business funding broker at 4 Quarropas St, White Plains, NY 10601 (phone (914) 554-1390). It helps businesses in White Plains, NY; Harrison, NY; Port Chester, NY; Tarrytown, NY; Rye, NY; Hartsdale, NY; Elmsford, NY; Valhalla, NY; Armonk, NY; Pleasantville, NY; Mount Kisco, NY and across Westchester County, New York, explore funding options. Cedarstone Business Funding, a broker in White Plains, NY, passes small-business funding requests from Westchester County, NY to independent funding partners, who review them and decide. Cedarstone Business Funding does not lend money. It hands each request to independent funding partners, and the partner that picks it up runs its own review and makes every decision. Cedarstone Business Funding is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Cedarstone Business Funding does not arrange funding for trucking or agriculture businesses, startups without revenue, real-estate purchases, building work, or personal and consumer loans. Key facts: - Business type: small-business funding broker (not a lender) - Address: 4 Quarropas St, White Plains, NY 10601, United States - Phone: (914) 554-1390 - Apply: https://cedarstonebusinessfunding.com/apply/ - Places: White Plains, NY; Harrison, NY; Port Chester, NY; Tarrytown, NY; Rye, NY; Hartsdale, NY; Elmsford, NY; Valhalla, NY; Armonk, NY; Pleasantville, NY; Mount Kisco, NY and all of Westchester County, New York - Language: English ## Funding options - [Types of Business Loans for White Plains, NY Consulting Firms and Law Firms](https://cedarstonebusinessfunding.com/business-loans/): A side-by-side guide to six funding types for Westchester County, NY firms, with secured and unsecured options and what each is paid back from. - [Working Capital Loans in White Plains, NY for Consulting Firms and Law Firms Covering Payroll](https://cedarstonebusinessfunding.com/business-loans/working-capital/): What working capital pays for at White Plains, NY practices, how the loan is paid back, what to compare between offers, and how a law firm prepares a request. - [Business Term Loans for White Plains, NY Full-Service Restaurants Buying or Expanding](https://cedarstonebusinessfunding.com/business-loans/term-loans/): How term loans work for Westchester County, NY restaurants, consulting firms and law firms, with invented examples of an acquisition payment, a first installment and a short vs long term. - [Business Lines of Credit in White Plains, NY for Consulting Firms and Law Firms](https://cedarstonebusinessfunding.com/business-loans/line-of-credit/): How a revolving line works for Westchester County, NY firms, with invented examples of draw interest and a repayment period, plus what a partner can review before setting a limit. - [Inventory Financing for Consulting Firms and Law Firms Around White Plains, NY](https://cedarstonebusinessfunding.com/business-loans/inventory-financing/): How inventory financing works for Westchester County, NY restaurants and shops, what to compare between providers, a worked catering example, and how it differs from purchase order financing. - [Equipment Financing in White Plains, NY: Kitchen Lines, Mowers and Dental Chairs](https://cedarstonebusinessfunding.com/equipment-financing/): What equipment loans and leases are, how they work for Westchester County, NY landscapers, dental offices, salons, gyms and restaurants, two worked payment examples and the questions a partner can ask. - [Merchant Cash Advances in White Plains, NY for Consulting Firms and Law Firms With Card Sales](https://cedarstonebusinessfunding.com/merchant-cash-advance/): Cash today in exchange for future card receipts: that is a merchant cash advance, and it is not a loan. This page covers how it is collected, what the factor rate and holdback mean, how to work out a factor rate from an offer, and three worked examples. ## Industries - [White Plains, NY Restaurant Loans: Steam Tables, Catering Pans and Event Staff](https://cedarstonebusinessfunding.com/industries/restaurants/): Cedarstone Business Funding sends a White Plains, NY restaurant's request to funding partners. Ovens, mixers and dish machines fit equipment financing; event staff, repairs and food orders fit working capital; a card-heavy restaurant can look at a merchant cash advance. Walls, plumbing and hoods are building work outside this site. - [Salon Business Loans in White Plains, NY: Styling Chairs, Backbar Cabinets and Retail Shelving](https://cedarstonebusinessfunding.com/industries/salons/): Cedarstone Business Funding sends a White Plains, NY salon's request to funding partners. Styling chairs, dryers and pedicure spas fit equipment financing; payroll, color and retail stock fit working capital or inventory financing; a salon with steady card sales can look at a merchant cash advance, which is not a loan. - [White Plains, NY Medical Practice Loans: Point-of-Care Analyzers, Exam Chairs and Billing Lags](https://cedarstonebusinessfunding.com/industries/medical-practices/): Cedarstone Business Funding sends a White Plains, NY physician office's request to funding partners. Analyzers, exam chairs and imaging units fit equipment financing, payroll during a billing lag fits a line of credit, and buying an existing practice fits a term loan. The building and any real estate are outside this site. - [In White Plains, NY, Dental Office Loans: Associate Buy-Ins and Imaging Upgrades](https://cedarstonebusinessfunding.com/industries/dental-practices/): Cedarstone Business Funding sends a White Plains, NY dental office's request to funding partners. Buy-ins and practice purchases fit a term loan, scanners and chairs fit equipment financing, and payroll gaps fit a line of credit. The office building and any real estate are outside this site. - [Gym Business Loans in White Plains, NY: Squat Racks, Turf Sleds and Kettlebell Sets](https://cedarstonebusinessfunding.com/industries/gyms-and-fitness-studios/): Cedarstone Business Funding sends a White Plains, NY gym's request to funding partners. Racks, sleds, reformers and bikes fit equipment financing or a lease; coach and front-desk payroll fit working capital or a line of credit. Money to open a gym that has no sales yet is outside this site. - [In White Plains, NY, Financing for Contractors: Skid Steers, Tools and Retainage Gaps](https://cedarstonebusinessfunding.com/industries/construction/): A White Plains, NY contractor can finance equipment and trailers, cover payroll or material costs between draws, or buy an existing contractor business. Land, buildings, construction lending and surety bonds are outside this site. - [In White Plains, NY, Business Loans for Retail: Backroom Racking and Bulk Orders](https://cedarstonebusinessfunding.com/industries/retail/): A White Plains, NY retailer can finance stock, movable fixtures and point-of-sale equipment, carry repeat reorders on a line of credit, or buy an operating shop. Buildings, leasehold construction and permanent storefront work are outside this site. - [White Plains, NY Landscaping Equipment Financing: Stump Grinders, Chippers and Tree Crews](https://cedarstonebusinessfunding.com/industries/landscaping/): Cedarstone Business Funding sends a White Plains, NY landscaper's request to funding partners. Grinders, chippers, loaders, trailers and hydroseeders fit equipment financing; crew payroll and supplier accounts for mulch and stone fit working capital or a line of credit. - [Auto Repair Shop Loans Around White Plains, NY: ADAS Targets, Alignment Racks and Tech Hiring](https://cedarstonebusinessfunding.com/industries/auto-repair/): Cedarstone Business Funding sends a White Plains, NY repair shop's request to funding partners. ADAS targets, alignment racks, lathes and tire machines fit equipment financing; a technician hire, training and parts accounts fit working capital. Floor drains, pits and the shop building itself are property work outside this site. - [White Plains, NY Daycare Center Financing: Infant Cribs, Changing Stations and Ratio Hiring](https://cedarstonebusinessfunding.com/industries/daycare-centers/): Cedarstone Business Funding sends a White Plains, NY child care provider's request to funding partners. Cribs, cots, furniture and a passenger van fit equipment financing; teachers hired ahead of new enrollment fit working capital. Outdoor play surfaces, fences and room changes are site or building work outside this site. - [White Plains, NY Hotel Loans: Lobby Furniture, Breakfast Bars and Key Card Locks](https://cedarstonebusinessfunding.com/industries/hotels-and-motels/): An existing White Plains, NY hotel or motel can request equipment financing for movable furnishings, a term loan for a wider furniture package, or working capital for payroll and supplies. The building, land, property refinance and permanent systems are excluded. - [White Plains, NY Manufacturing Equipment Financing: Injection Molders, Chillers and Resin Buys](https://cedarstonebusinessfunding.com/industries/manufacturing/): A White Plains, NY manufacturer or machine shop can request financing for identified production machines and tooling, a term loan for a larger purchase, or funding for material orders. Permanent plant electrical work, building changes and real estate are outside this site. - [In White Plains, NY, Business Loans for Real Estate Agents: Buying an Agency and Team Expansion](https://cedarstonebusinessfunding.com/industries/real-estate-agents/): A White Plains, NY real estate agency can request working capital or a credit line for commission-timing gaps and a term loan for the business side of an agency acquisition. Property transactions, escrow funds and building work are outside this site. - [Cafe Business Loans Around White Plains, NY: Movable Counters, POS and Seating](https://cedarstonebusinessfunding.com/industries/cafes-and-coffee-shops/): An operating White Plains, NY cafe can request equipment financing for machines and furnishings, working capital for supplies or payroll, or a term loan to buy an existing cafe business. Permanent counters and other building work are excluded. - [Business Loans by Industry for White Plains, NY: From Law Firms to Landscapers](https://cedarstonebusinessfunding.com/industries/): The use of the money picks the funding type, and the trade shapes the use. Kitchens, care practices, contractors and offices each get a group here, and trades without a page of their own get a short note with county figures. ## Tools and calculators - [Small Business Resources in White Plains, NY: Checklists and a Payment Calculator for Consulting and Law Firms](https://cedarstonebusinessfunding.com/resources/): A documents checklist, five preparation steps and a business plan outline written for Westchester County, NY law firms, plus a level-payment calculator for any amount, rate and term. - [Child Care Center Loan Payment Calculator for White Plains, NY Centers and Preschools](https://cedarstonebusinessfunding.com/resources/child-care-center-loan-payment-calculator/): A level-payment calculator for child care loans, one worked example that matches its output, and when an equipment, working capital, DSCR or factor rate check fits better. ## Communities near White Plains, NY - [White Plains, NY Business Loans: Westchester County, NY Facts, Local Lenders and Consulting Firms](https://cedarstonebusinessfunding.com/white-plains-ny/): How a White Plains, NY consulting firm, law firm, home builder, restaurant, landscaper or physician office can request business funding, which kinds of lender exist nearby, what a lease means for a request, and what the ZIP 10601 and Westchester County, NY figures show. - [Harrison, NY Business Loans for Law Firms, Landscapers and Retail Shops](https://cedarstonebusinessfunding.com/service-areas/harrison-ny/): How a Harrison, NY law firm, landscaper, restaurant or shop can request business funding, what the ZIP 10528 figures cover and leave out, and what to check in a commercial lease before signing. - [Business Loans in Port Chester, NY for Consulting Firms and Law Firms Near White Plains, NY](https://cedarstonebusinessfunding.com/service-areas/port-chester-ny/): How a Port Chester, NY consulting firm, law firm or home builder can request business funding, what the ZIP 10573 employer figures cover, what to check when buying a practice, and how to approach a commercial or retail lease. - [Business Loans for Consulting Firms and Law Firms in Communities Near White Plains, NY](https://cedarstonebusinessfunding.com/service-areas/): The places on the Cedarstone Business Funding area list near White Plains, NY, what the ZIP employer counts for each one cover, and checklists for consulting firms buying a practice, restaurants signing a lease and law firms choosing office space. ## Company - [Small Business Loans in White Plains, NY for Consulting Firms, Law Firms and Landscapers](https://cedarstonebusinessfunding.com/): Six funding types for White Plains, NY businesses, how each one is paid back, what a funding partner reviews, and two side-by-side cases worked with invented figures. - [How Getting a Business Loan Works for White Plains, NY Law Firms, Step by Step](https://cedarstonebusinessfunding.com/how-it-works/): The steps from a first call to a signed offer, what a law firm can gather, which documents a partner may ask for, how a review runs, and what the FICO SBSS score is. - [Business Loan Questions and Answers for White Plains, NY Consulting Firms and Law Firms](https://cedarstonebusinessfunding.com/faq/): Answers on EINs, what a credit check during a partner review means, using a loan to buy a dental office, line of credit interest and taxes, and how long a credit line lasts. - [About Cedarstone Business Funding: Business Loans for White Plains, NY Consulting Firms](https://cedarstonebusinessfunding.com/about/): Who Cedarstone Business Funding is, where a White Plains, NY law firm or consulting firm can apply for a small business loan, how a restaurant request moves from the first call to a written offer, and which part of the work belongs to Cedarstone and which to the funding partner. - [Contact Cedarstone Business Funding About a Business Loan for Your White Plains, NY Law Firm](https://cedarstonebusinessfunding.com/contact/): Phone and address for Cedarstone Business Funding in White Plains, NY, the questions a restaurant can put to a lender before applying and once an offer arrives, loan questions for law firms, and what a first call covers. - [Business Loan Application for White Plains, NY Consulting Firms and Law Firms](https://cedarstonebusinessfunding.com/apply/): What the request form asks, which documents a funding partner may want from a restaurant later, a checklist for law firms, what a landscaper can have ready, and the steps from sending the form to a written offer. - [Disclosures for Cedarstone Business Funding, White Plains, NY](https://cedarstonebusinessfunding.com/disclosures/): Cedarstone Business Funding is a broker, not a lender. Funding partners review requests and decide on them, and the figures on this site are examples, not offers. ## Optional - [Full text of every page](https://cedarstonebusinessfunding.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://cedarstonebusinessfunding.com/sitemap.xml)