Valestead Lending Group's role between a business and its funder, who sets rates and terms, what a merchant cash advance is, and how Census figures, invented examples and the calculator are used on the site.
Valestead Lending Group Between a Griffin, GA Business and Its Funder
Valestead Lending Group is a loan broker, not a lender. It takes a business's funding request by phone or by the request form and passes it to third-party funding partners. It does not put up its own money, make credit decisions or hold the loans a partner makes.
Each partner that receives a request decides by itself whether to make an offer. Sending a request does not mean any partner will make one, and Valestead has no say over a partner's answer.
Rates, Terms and Credit Decisions Rest With Each Funding Partner
Every rate, factor, term, fee, collateral requirement and payment schedule in an offer is set by the funding partner that makes it, after its own review of the business and its owners. Rates and terms on this site appear only inside examples marked as illustrations with invented figures; they are not quotes and do not describe what any partner offers.
Merchant Cash Advances: Purchases of Future Card Sales
A merchant cash advance is not a loan. It is the purchase of a share of a business's future card sales: the provider collects its share through a holdback on card receipts or fixed debits until the agreed amount has been collected. Its cost is set by a factor rather than an annual interest rate, and the provider's agreement states every term.
Census Figures, Invented Examples and the Calculator on This Site
Business counts on this site come from the U.S. Census Bureau: County Business Patterns and ZIP Code Business Patterns for 2023 (employer establishments), Nonemployer Statistics for 2024 (businesses with no paid employees), American Community Survey 5-year estimates for 2020-2024, and the 2025 Building Permits Survey. Each figure names its program, year and area, and arithmetic on those figures is marked as ours.
The payment calculator does arithmetic on the numbers typed into it and leaves out fees, so its results are estimates to compare, not offers.
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