# Cloverglen Finance > Cloverglen Finance is a small-business funding broker at 301 S Walnut St, Muncie, IN 47305 (phone (765) 224-5062). It helps businesses in Muncie, IN; Yorktown, IN; Alexandria, IN; Anderson, IN; Hartford City, IN; New Castle, IN; Winchester, IN and across Delaware County, Indiana, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Cloverglen Finance connects you with lending partners; partners make credit decisions and set rates and terms. Cloverglen Finance is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Cloverglen Finance does not arrange personal, payday, auto title, mortgage or SBA loans, does not offer grants, and does not arrange funding for agriculture or trucking. Key facts: - Business type: small-business funding broker (not a lender) - Address: 301 S Walnut St, Muncie, IN 47305, United States - Phone: (765) 224-5062 - Apply: https://cloverglenfinance.com/apply/ - Service area: Muncie, IN; Yorktown, IN; Alexandria, IN; Anderson, IN; Hartford City, IN; New Castle, IN; Winchester, IN and all of Delaware County, Indiana - Language: English ## Funding options - [Which Business Funding Fits a Muncie, Indiana Business?](https://cloverglenfinance.com/business-loans/): Cloverglen Finance, a small-business funding broker in Muncie, Indiana, compares six structures here: working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances (not a loan). It covers repayment, typical uses, security and where SBA loans fit. Lending partners make every credit decision and set rates and terms. - [Working Capital Financing for Muncie, Indiana: What Delaware County, IN Owners Should Know](https://cloverglenfinance.com/business-loans/working-capital/): Working capital financing is short-term funding for operating costs such as payroll, rent and supplies while revenue is still on its way. Cloverglen Finance, a small-business funding broker in Muncie, Indiana, helps Delaware County owners size the gap and compare structures, then introduces requests to lending partners, which make credit decisions and set rates and terms. - [Business Term Loans for Muncie, Indiana: What Delaware County, IN Owners Should Know](https://cloverglenfinance.com/business-loans/term-loans/): A business term loan is a single sum repaid in scheduled installments over a fixed term, commonly used to expand, build out space, buy out a partner or refinance. Cloverglen Finance, a small-business funding broker in Muncie, Indiana, explains amortization and balloon terms and introduces requests to lending partners, which make credit decisions and set rates and terms. - [Business Lines of Credit for Muncie, Indiana: What Delaware County, IN Owners Should Know](https://cloverglenfinance.com/business-loans/line-of-credit/): A business line of credit lets a company draw funds up to a set limit, repay them and draw again, paying interest only on the drawn balance. Cloverglen Finance, a small-business funding broker in Muncie, Indiana, explains draw periods, revolving and non-revolving lines and interest, and introduces requests to lending partners, which make credit decisions and set rates and terms. - [Inventory Financing for Muncie, Indiana: What Delaware County, IN Owners Should Know](https://cloverglenfinance.com/business-loans/inventory-financing/): Inventory financing funds the purchase of goods a business will resell, usually secured by the inventory and paid down as it sells or on a schedule. Cloverglen Finance, a small-business funding broker in Muncie, Indiana, explains UCC filings, floor plan arrangements and alternatives, and introduces requests to lending partners, which make credit decisions and set rates and terms. - [Equipment Financing and Leasing for Muncie, Indiana: What Delaware County, IN Owners Should Know](https://cloverglenfinance.com/equipment-financing/): Equipment financing funds a specific asset, such as a dental chair, imaging unit, reach-in cooler or service van, and is secured by that asset. Cloverglen Finance, a small-business funding broker in Muncie, Indiana, compares equipment loans, leases and EFAs and introduces requests to lending partners, which make credit decisions and set rates and terms. - [Merchant Cash Advances for Muncie, Indiana: What Delaware County, IN Owners Should Know](https://cloverglenfinance.com/merchant-cash-advance/): A merchant cash advance is not a loan: a funder buys a fixed amount of a business's future receipts for a lump sum and collects a share of sales until that amount is remitted. Cloverglen Finance, a small-business funding broker in Muncie, Indiana, explains holdbacks, factor rates and reconciliation; funders set every term. ## Industries - [Business Financing by Industry for Muncie, Indiana Owners](https://cloverglenfinance.com/industries/): Cloverglen Finance, a small-business funding broker in Muncie, Indiana, matches funding structures to four sectors partners commonly fund: medical and dental practices, retail and wholesale, construction and restaurants. This page gives Delaware County Census figures for each and the structures that usually fit. Lending partners make credit decisions and set rates and terms. - [Medical and Dental Practice Financing in Delaware County, Indiana: Needs and Options](https://cloverglenfinance.com/industries/medical-dental/): Medical and dental practice financing covers clinical equipment, build-outs, acquisitions and working capital while insurer payments are pending. Cloverglen Finance, a small-business funding broker in Muncie, Indiana, helps Delaware County practices choose structures and introduces requests to lending partners, which make credit decisions and set rates and terms. The county had 220 ambulatory care employers in 2023. ## Guides and calculators - [Business Funding Guides and a Calculator for Muncie, Indiana](https://cloverglenfinance.com/resources/): Cloverglen Finance, a small-business funding broker in Muncie, Indiana, publishes guides on the Indiana Registered Retail Merchant Certificate, opening a downtown Muncie storefront and free East Central Indiana help, plus a loan repayment calculator and a blog. Lending partners make credit decisions and set rates and terms. - [Indiana Registered Retail Merchant Certificate and BT-1 Registration: Your Funding File](https://cloverglenfinance.com/resources/indiana-registered-retail-merchant-certificate/): Lending partners reviewing an Indiana retailer often ask for its Registered Retail Merchant Certificate and compare it with bank statements and entity records. Cloverglen Finance, a small-business funding broker in Muncie, Indiana, explains what partners look for and what to check first; registration rules belong to the state. Partners make credit decisions and set rates and terms. - [Opening a Shop or Office in Downtown Muncie, Indiana: Space, Permits and Funding](https://cloverglenfinance.com/resources/downtown-muncie-indiana-storefront-checklist/): This checklist helps owners opening a shop, clinic or office in downtown Muncie, Indiana settle zoning, permits and build-out costs before signing a lease, then match each cost to a funding structure. Cloverglen Finance, a small-business funding broker in Muncie, Indiana, wrote it; lending partners make credit decisions and set rates and terms. - [Free Small Business Help in Muncie, Indiana and East Central Indiana](https://cloverglenfinance.com/resources/east-central-indiana-small-business-resources/): This guide points Muncie and East Central Indiana owners to free small business help: the SBDC network, the chamber of commerce, economic development, and city and county offices, with questions to ask each. Cloverglen Finance, a small-business funding broker in Muncie, Indiana, is not affiliated with any of them; lending partners make credit decisions and set rates and terms. - [Business Loan Repayment Calculator for Muncie, Indiana Owners](https://cloverglenfinance.com/resources/business-loan-repayment-calculator/): This business loan repayment calculator works out the monthly payment, total interest and total repaid for a loan from its amount, annual rate and term in months. Cloverglen Finance, a small-business funding broker in Muncie, Indiana, provides it for Delaware County owners as illustrative arithmetic only, not an offer or an estimate of terms. ## Areas served - [Business Funding in Muncie, Indiana and Delaware County, Indiana](https://cloverglenfinance.com/muncie-in/): Cloverglen Finance, a small-business funding broker in Muncie, Indiana, works from 301 S Walnut St with owners across Delaware County. The county had 2,314 employer establishments in 2023, 43.9 percent with fewer than five employees, plus 6,508 no-payroll businesses in 2024 (Census). Lending partners make credit decisions and set rates and terms. - [East Central Indiana Communities Served From Muncie, IN](https://cloverglenfinance.com/service-areas/): Cloverglen Finance, a small-business funding broker in Muncie, Indiana, works with owners in Delaware County, Indiana and neighboring Madison, Blackford, Henry, Randolph and Grant counties by phone and online from one address. This page lists nearby towns with Census ZIP business figures. Lending partners make credit decisions and set rates and terms. - [Funding Options for Yorktown, Indiana Businesses](https://cloverglenfinance.com/service-areas/yorktown-in/): Cloverglen Finance, a small-business funding broker in Muncie, Indiana, works with Yorktown, IN owners by phone and online. ZIP 47396 had 124 employer establishments in 2023, 56.5 percent with fewer than five employees, led by health care and construction (Census ZBP). Lending partners alone make credit decisions and set rates and terms. - [Funding Options for Alexandria, Indiana Businesses](https://cloverglenfinance.com/service-areas/alexandria-in/): Cloverglen Finance, a small-business funding broker in Muncie, Indiana, works with Alexandria, IN owners in Madison County by phone and online. ZIP 46001 had 186 employer establishments in 2023, 57.5 percent with fewer than five employees (Census ZBP). Lending partners alone make credit decisions and set rates and terms. - [Funding Options for Anderson, Indiana Businesses](https://cloverglenfinance.com/service-areas/anderson-in/): Cloverglen Finance, a small-business funding broker in Muncie, Indiana, works with Anderson, IN owners in Madison County by phone and online. ZIP 46013 had 447 employer establishments and 8,074 paid employees in 2023, led by retail and food service (Census ZBP). Lending partners alone make credit decisions and set rates and terms. - [Funding Options for Hartford City, Indiana Businesses](https://cloverglenfinance.com/service-areas/hartford-city-in/): Cloverglen Finance, a small-business funding broker in Muncie, Indiana, works with Hartford City, IN owners in Blackford County by phone and online. ZIP 47348 had 174 employer establishments in 2023, 53.4 percent with fewer than five employees (Census ZBP). Lending partners alone make credit decisions and set rates and terms. - [Funding Options for New Castle, Indiana Businesses](https://cloverglenfinance.com/service-areas/new-castle-in/): Cloverglen Finance, a small-business funding broker in Muncie, Indiana, works with New Castle, IN owners in Henry County by phone and online. ZIP 47362 had 516 employer establishments in 2023, led by retail and health care (Census ZBP). Lending partners alone make credit decisions and set rates and terms. - [Funding Options for Winchester, Indiana Businesses](https://cloverglenfinance.com/service-areas/winchester-in/): Cloverglen Finance, a small-business funding broker in Muncie, Indiana, works with Winchester, IN owners in Randolph County by phone and online. ZIP 47394 had 219 employer establishments in 2023, with health care the largest group (Census ZBP). Lending partners alone make credit decisions and set rates and terms. ## Company - [Muncie, Indiana Business Funding Broker for Delaware County, IN Owners](https://cloverglenfinance.com/): Cloverglen Finance, a small-business funding broker in Muncie, Indiana, lends no money of its own. From 301 S Walnut St it helps Delaware County owners choose among six business funding structures and introduces each request to lending partners, which approve or decline and set every rate and term. Talk it over first on (765) 224-5062. - [How a Muncie, Indiana Funding Request Moves From Form to Offer](https://cloverglenfinance.com/how-it-works/): Cloverglen Finance, a small-business funding broker in Muncie, Indiana, explains how a request moves: a first call about the purpose, matching the need to a funding structure, a lending partner's review and decision, then comparing any offer by total cost. Sole proprietors can apply too. Partners make credit decisions and set rates and terms. - [Business Funding Answers for Muncie, Indiana Owners](https://cloverglenfinance.com/faq/): Cloverglen Finance, a small-business funding broker in Muncie, Indiana, answers common questions here: what a broker does, choosing among six funding structures, applying as an LLC or sole proprietor, using business funding to pay yourself, and local questions about Delaware County. Lending partners make all credit decisions and set rates and terms. - [Apply for Business Funding Options in Muncie, Indiana](https://cloverglenfinance.com/apply/): Cloverglen Finance, a small-business funding broker in Muncie, Indiana, takes requests through a short form: full name, email, phone, business name, ranges for time in business, annual revenue and requested amount, and consent. A call follows to discuss the purpose and structure, and suitable requests go to lending partners, which make credit decisions and set rates and terms. - [About Cloverglen Finance, a Muncie, Indiana Funding Broker](https://cloverglenfinance.com/about/): Cloverglen Finance, a small-business funding broker in Muncie, Indiana, is a broker, not a lender. From 301 S Walnut St it helps owners compare six funding structures and introduces requests to lending partners, which make credit decisions and set rates and terms. It does not arrange consumer, agriculture or trucking funding. - [Contact Cloverglen Finance in Muncie, Indiana](https://cloverglenfinance.com/contact/): Cloverglen Finance, a small-business funding broker in Muncie, Indiana, can be reached at (765) 224-5062 or at 301 S Walnut St, Muncie, IN 47305. The online request asks for contact details, a business name and three quick range picks. Lending partners, not Cloverglen Finance, make credit decisions and set rates and terms. - [Broker Disclosures for Cloverglen Finance, Muncie, IN](https://cloverglenfinance.com/disclosures/): Cloverglen Finance, a small-business funding broker in Muncie, Indiana, is a broker, not a lender: it introduces business funding requests to lending partners, which make credit decisions and set rates and terms. A merchant cash advance is not a loan. These disclosures cover the relationship, information sharing and consent. ## Optional - [Full text of every page](https://cloverglenfinance.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://cloverglenfinance.com/sitemap.xml)