Quarryfield Capital Group, a small-business funding broker in Hillsboro, Oregon, handles each request in four steps: a call about what the money is for and when it is due, a check of entity status and existing liens, a review by a lending partner that offers that structure, and the owner's decision. The partner alone approves, prices and sets terms.
Step 1: a call about dates
Every request starts with a conversation about what the money has to pay for and when. We ask what is due, the date it is due, and when the cash that would repay it is expected. That calendar usually points to one or two options before any document changes hands.
The online form collects your name, email, phone and business name, three range answers (time in business, revenue, amount) and consent. Everything else, including the purpose and the timing, is covered when we call you back.
Step 2: a records check
Before a partner sees anything, we look at what a partner will find. Is the business active with the Oregon Secretary of State, with its annual report filed? Is the city business license current where one is required? Are there UCC filings from an old lender or a past advance still on record? Any of these can stall a file that is otherwise sound.
Our guides cover each of these: the Oregon certificate of existence and annual report guide for entity status, and the Hillsboro, OR business license guide for renewals and searches.
Step 3: the partner runs its own review
We send the request only to partners that write the structure that fits: working capital, a term loan, a line of credit, inventory financing, equipment financing or a merchant cash advance, which is not a loan. Each partner runs its own underwriting, asks for the documents it needs, and decides.
A partner may approve, decline, or come back with a different amount or structure. We pass along exactly what the partner says; we do not make credit decisions or promise outcomes.
Step 4: you decide
If an offer arrives, it comes in the partner's own documents. Read the amount you would receive, every payment and its timing, the total paid back, any prepayment terms and what happens on a late payment. You are free to accept, negotiate or walk away.
If two offers come in, we help you set them side by side on the same terms. An offer quoted as an APR, one quoted as a factor and one quoted as a flat fee can only be compared fairly in total dollars and timing.
Putting APR, factor and flat-fee quotes on one footing
| Pricing shown as | What it measures | Compare it by |
|---|---|---|
| APR | Annual cost including certain charges | Total paid back and payment schedule |
| Interest rate | Charge on the outstanding balance | Total interest over the actual term |
| Factor | Multiplier on an advance or short loan | Total dollars and how fast they are collected |
| Flat fee | A fixed charge added to the amount | Total paid back divided across the term |
The business loan calculator works out a monthly payment, total interest and total repaid for an amortizing loan.
Warning signs we tell owners to watch for
- Pressure to sign before you have read the whole agreement.
- A promise of approval before anyone has looked at your records.
- Payment amounts or a total that are not stated in dollars.
- Terms that change between the call and the written offer.
If you see any of these from anyone, slow down. The FAQ answers related questions, and the Washington County, Oregon resource guide lists free advisers who can look at an offer with you. Our disclosures explain where our role stops.
A first loan versus a repeat request
First-time borrowers usually need more preparation: a clean set of bank statements, the latest tax return, entity documents and a clear purpose. A business that has borrowed before can expect partners to ask how that funding was used and repaid. Our post on credit-line uses shows the kind of reasoning partners like to see.
By Quarryfield Capital Group · Updated