# Fairleaf Commercial Capital > Fairleaf Commercial Capital is a small-business funding broker at 125 E Main St, Spartanburg, SC 29306 (phone (864) 499-3588). It helps businesses in Spartanburg, SC; Roebuck, SC; Boiling Springs, SC; Cowpens, SC; Wellford, SC; Inman, SC; Lyman, SC and across Spartanburg County, South Carolina, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Fairleaf Commercial Capital connects you with lending partners; partners make credit decisions and set rates and terms. Fairleaf Commercial Capital is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Fairleaf Commercial Capital does not arrange personal, payday, auto title, mortgage or commercial real estate purchase loans, offers no grants, is not an SBA lender, does not take agriculture or trucking requests, and is located in Spartanburg, South Carolina (not Spartanburg, Indiana). Key facts: - Business type: small-business funding broker (not a lender) - Address: 125 E Main St, Spartanburg, SC 29306, United States - Phone: (864) 499-3588 - Apply: https://fairleafcommercialcapital.com/apply/ - Service area: Spartanburg, SC; Roebuck, SC; Boiling Springs, SC; Cowpens, SC; Wellford, SC; Inman, SC; Lyman, SC and all of Spartanburg County, South Carolina - Language: English ## Funding options - [Business Funding Options Compared for Spartanburg, South Carolina Owners](https://fairleafcommercialcapital.com/business-loans/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, compares six funding structures on one page: how each is repaid or collected, what it usually pays for, and what lending partners tend to look at. Fairleaf is a broker, not a lender, and is not an SBA lender; partners decide and set every rate and term. - [Working Capital Financing for Businesses in Spartanburg, SC and Across Spartanburg County, SC](https://fairleafcommercialcapital.com/business-loans/working-capital/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, arranges working capital financing through lending partners for payroll, supplies and the weeks before customers pay. Working capital is short-term by design and repaid on a set schedule. Fairleaf explains the structure and routes the request; partners decide and set rates and terms. - [Business Term Loans for Businesses in Spartanburg, SC and Across Spartanburg County, SC](https://fairleafcommercialcapital.com/business-loans/term-loans/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, arranges business term loans through lending partners for build-outs, expansions and other one-time projects. A term loan is repaid in scheduled installments over an agreed period. Fairleaf explains amortization, balloons and covenants; partners decide and set rates and terms. - [Business Lines of Credit for Businesses in Spartanburg, SC and Across Spartanburg County, SC](https://fairleafcommercialcapital.com/business-loans/line-of-credit/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, arranges business lines of credit through lending partners for recurring gaps of uneven size. You draw against an approved limit and pay interest on what is drawn. Fairleaf explains draw periods, renewals and security; partners decide and set rates and terms. - [Inventory Financing for Businesses in Spartanburg, SC and Across Spartanburg County, SC](https://fairleafcommercialcapital.com/business-loans/inventory-financing/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, arranges inventory financing through lending partners for opening stock, restocks and bulk orders. The inventory itself usually secures the deal, and partners often file a UCC lien. Fairleaf explains the structure and routes the request; partners decide and set rates and terms. - [Equipment Financing and Leasing for Businesses in Spartanburg, SC and Across Spartanburg County, SC](https://fairleafcommercialcapital.com/equipment-financing/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, arranges equipment loans, leases and equipment finance agreements through lending partners for new or used machines, contractor vehicles, kitchen equipment and clinical gear. The equipment typically stands as the partner's collateral. Fairleaf explains each option; partners decide and set rates and terms. - [Merchant Cash Advances for Businesses in Spartanburg, SC and Across Spartanburg County, SC](https://fairleafcommercialcapital.com/merchant-cash-advance/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, explains merchant cash advances and can route a request to funders that offer them. A merchant cash advance is not a loan: a funder purchases a share of future receivables and collects it as a holdback on sales. Fairleaf explains the cost before you sign; funders decide and set terms. ## Industries - [Business Financing by Industry in Spartanburg, SC](https://fairleafcommercialcapital.com/industries/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, routes requests from four partner-confirmed sectors: construction, restaurants, medical and dental practices, and retail or wholesale stores. Each sector moves cash differently, so each leans on different structures. Fairleaf is a broker, not a lender; partners decide and set rates and terms. - [Contractor and Construction Financing for Businesses in Spartanburg, SC and Across Spartanburg County, SC](https://fairleafcommercialcapital.com/industries/construction/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, arranges contractor financing through lending partners: lines of credit and working capital to carry payroll between draws, and equipment financing for machines and job vehicles. Spartanburg County had 692 construction employer establishments in 2023. Fairleaf is a broker, not a lender. - [Restaurant and Food Service Financing for Businesses in Spartanburg, SC and Across Spartanburg County, SC](https://fairleafcommercialcapital.com/industries/restaurants/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, arranges restaurant financing through lending partners: equipment financing for coolers, hoods and POS systems, working capital and credit lines for operating gaps, and merchant cash advances (not a loan) where card sales are steady. Spartanburg County had 548 restaurants with paid staff in 2023. - [Medical and Dental Practice Financing for Businesses in Spartanburg, SC and Across Spartanburg County, SC](https://fairleafcommercialcapital.com/industries/medical-dental/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, arranges medical and dental practice financing through lending partners: equipment financing for clinical gear, term loans for build-outs and expansions, and credit lines for reimbursement gaps. Spartanburg County had 423 ambulatory health care employer establishments in 2023. Fairleaf is a broker, not a lender. ## Guides and calculators - [Business Funding Guides and Calculators for Spartanburg, SC Owners](https://fairleafcommercialcapital.com/resources/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, publishes these guides so owners can get records in order before a lending partner asks: a South Carolina retail license checklist, a Spartanburg, SC zoning and building permit sequence, a Spartanburg County help directory and a merchant cash advance calculator. Fairleaf is a broker, not a lender. - [The South Carolina Retail License: A Spartanburg, SC Store Owner's Funding Checklist](https://fairleafcommercialcapital.com/resources/south-carolina-retail-license/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, wrote this checklist for store owners preparing an inventory financing request. It covers the state tax records, matching names and local paperwork a lending partner may check, and where SCDOR's business tax account process begins. It is not legal advice; Fairleaf is a broker, not a lender. - [Spartanburg, SC Zoning and Building Permits: City, County and the Funding Timeline](https://fairleafcommercialcapital.com/resources/spartanburg-sc-zoning-and-building-permits/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, wrote this guide for owners planning a build-out, renovation or move. It covers confirming whether the City of Spartanburg or Spartanburg County has jurisdiction, checking zoning before signing a lease, the permit sequence and where term loans and equipment financing fit. Fairleaf is a broker, not a lender. - [Small Business Help in Spartanburg, SC and Spartanburg County, SC](https://fairleafcommercialcapital.com/resources/spartanburg-county-small-business-resources/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, lists free and official help for Spartanburg County owners: the South Carolina SBDC network, the SBA's South Carolina district office, the SC Department of Revenue and the City of Spartanburg. Fairleaf has no affiliation with any of them and is a broker, not a lender. - [Merchant Cash Advance Calculator for Spartanburg, SC Restaurants and Shops (Not a Loan)](https://fairleafcommercialcapital.com/resources/merchant-cash-advance-calculator/): This calculator from Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, takes the amount, factor rate and holdback from a merchant cash advance offer, plus your average daily card sales, and estimates the total collected, the dollar cost and the business days to remit. It does not compute an APR. A merchant cash advance is not a loan. ## Areas served - [Business Funding in Spartanburg, South Carolina: Spartanburg County, SC Facts and Resources](https://fairleafcommercialcapital.com/spartanburg-sc/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, works from 125 E Main St in ZIP 29306. This page sets out Spartanburg County's business base from Census data, the mix of employers in the office ZIP, where funding fits for contractors, restaurants, practices and stores, and free local help. Fairleaf is a broker, not a lender. - [Areas We Serve Around Spartanburg, SC](https://fairleafcommercialcapital.com/service-areas/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, handles requests by phone and online for owners across Spartanburg County. Six nearby communities have their own pages with ZIP-level Census figures; other towns are summarized below. Fairleaf has one address, 125 E Main St, and is a broker, not a lender. - [Business Financing in Roebuck, South Carolina](https://fairleafcommercialcapital.com/service-areas/roebuck-sc/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, takes requests from Roebuck, SC owners by phone and online. Roebuck is a census-designated place in Spartanburg County, SC, about 5.2 miles south-southwest from 125 E Main St. This page uses ZIP 29376 Census figures, labeled as ZIP figures. Fairleaf is a broker, not a lender. - [Business Financing in Boiling Springs, South Carolina](https://fairleafcommercialcapital.com/service-areas/boiling-springs-sc/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, takes requests from Boiling Springs, SC owners by phone and online. Boiling Springs is a census-designated place in Spartanburg County, SC, about 7.1 miles north-northwest from 125 E Main St. This page uses ZIP 29316 Census figures, labeled as ZIP figures. Fairleaf is a broker, not a lender. - [Business Financing in Cowpens, South Carolina](https://fairleafcommercialcapital.com/service-areas/cowpens-sc/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, takes requests from Cowpens, SC owners by phone and online. Cowpens is a town in Spartanburg County, SC, about 8.6 miles east-northeast from 125 E Main St. This page uses ZIP 29330 Census figures, labeled as ZIP figures. Fairleaf is a broker, not a lender. - [Business Financing in Wellford, South Carolina](https://fairleafcommercialcapital.com/service-areas/wellford-sc/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, takes requests from Wellford, SC owners by phone and online. Wellford is a city in Spartanburg County, SC, about 10 miles west from 125 E Main St. This page uses ZIP 29385 Census figures, labeled as ZIP figures. Fairleaf is a broker, not a lender. - [Business Financing in Inman, South Carolina](https://fairleafcommercialcapital.com/service-areas/inman-sc/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, takes requests from Inman, SC owners by phone and online. Inman is a city in Spartanburg County, SC, about 11.2 miles northwest from 125 E Main St. This page uses ZIP 29349 Census figures, labeled as ZIP figures. Fairleaf is a broker, not a lender. - [Business Financing in Lyman, South Carolina](https://fairleafcommercialcapital.com/service-areas/lyman-sc/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, takes requests from Lyman, SC owners by phone and online. Lyman is a town in Spartanburg County, SC, about 11.7 miles west from 125 E Main St. This page uses ZIP 29365 Census figures, labeled as ZIP figures. Fairleaf is a broker, not a lender. ## Company - [Spartanburg, SC Funding Broker: Compare Business Funding Options](https://fairleafcommercialcapital.com/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, explains working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances, then routes the request to lending partners that offer that structure. Fairleaf Commercial Capital is a broker, not a lender: partners review, price and decide. Call (864) 499-3588 or send the short form. - [How Business Funding Works With a Spartanburg, SC Broker](https://fairleafcommercialcapital.com/how-it-works/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, follows four steps: understand the expense, match it to a funding structure, send the request to a lending partner that offers that structure, and help you compare any offer. Fairleaf Commercial Capital is a broker, not a lender, so the partner makes the credit call and names the price. - [Business Funding Questions From Spartanburg, SC Owners](https://fairleafcommercialcapital.com/faq/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, answers the questions owners ask most: what a broker does, how to choose between structures, what the form asks for, and where to find South Carolina and Spartanburg County records. Fairleaf is a broker, not a lender; partners decide and set rates and terms. - [About Fairleaf Commercial Capital, a Business Funding Broker in Spartanburg, SC](https://fairleafcommercialcapital.com/about/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, explains six funding structures and routes each request to lending partners that offer the right one. Fairleaf Commercial Capital is a broker, not a lender: partners review the business, make the credit decision and set every rate and term. The listed address is 125 E Main St, Spartanburg, SC 29306. - [Contact Fairleaf Commercial Capital in Spartanburg, SC](https://fairleafcommercialcapital.com/contact/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, can be reached at (864) 499-3588 or through the short online form. The listed address is 125 E Main St, Spartanburg, SC 29306. Fairleaf is a broker, not a lender; lending partners make credit decisions and set rates and terms. - [Request Business Funding Options in Spartanburg, SC](https://fairleafcommercialcapital.com/apply/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, starts every request with a short form: contact details and business name, ranges for time in business, annual revenue and requested amount, and a consent checkbox. Fairleaf then calls to discuss the expense and the structures that fit. Fairleaf is a broker, not a lender; partners decide and set rates and terms. - [Broker Disclosures for Fairleaf Commercial Capital, Spartanburg, SC](https://fairleafcommercialcapital.com/disclosures/): Fairleaf Commercial Capital, a small-business funding broker in Spartanburg, SC, discloses its role here. Fairleaf Commercial Capital is a broker, not a lender. It does not approve, price or fund requests. Lending partners make credit decisions and set rates and terms, and a merchant cash advance is not a loan. ## Optional - [Full text of every page](https://fairleafcommercialcapital.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://fairleafcommercialcapital.com/sitemap.xml)