# Swiftstead Commercial Capital > Swiftstead Commercial Capital is a small-business funding broker at 515.5 W St Germain St, St Cloud, MN 56301 (phone (320) 208-9595). It helps businesses in St. Cloud, MN; Sauk Rapids, MN; Sartell, MN; Waite Park, MN; St. Joseph, MN; Clear Lake, MN; Clearwater, MN and across Stearns County, Minnesota, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Swiftstead Commercial Capital connects you with lending partners; partners make credit decisions and set rates and terms. Swiftstead Commercial Capital is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Swiftstead Commercial Capital does not arrange personal, payday, auto title, mortgage or SBA loans, does not offer grants, does not arrange funding for agriculture or trucking, and works in English only. Key facts: - Business type: small-business funding broker (not a lender) - Address: 515.5 W St Germain St, St Cloud, MN 56301, United States - Phone: (320) 208-9595 - Apply: https://swiftsteadcommercialcapital.com/apply/ - Service area: St. Cloud, MN; Sauk Rapids, MN; Sartell, MN; Waite Park, MN; St. Joseph, MN; Clear Lake, MN; Clearwater, MN and all of Stearns County, Minnesota - Language: English ## Funding options - [Business Funding Choices for St. Cloud, MN Companies](https://swiftsteadcommercialcapital.com/business-loans/): Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, lays out six structures here: working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. They differ in how they are repaid or collected, what secures them and what they suit. Every request is decided, and every term set, by a lending partner. - [Working Capital Financing for St. Cloud, MN Owners in Stearns County](https://swiftsteadcommercialcapital.com/business-loans/working-capital/): Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, arranges working capital financing through lending partners. It pays for a short cash gap such as payroll, materials or a tax bill and is repaid in fixed installments over a short term. Partners review bank statements and existing debts and set every rate and term. - [Business Term Loans for St. Cloud, MN Owners in Stearns County](https://swiftsteadcommercialcapital.com/business-loans/term-loans/): Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, arranges business term loans through lending partners. A term loan is one lump sum repaid in amortized installments over months or years, used for expansion, fit-outs, hiring or refinancing. Partners review revenue, existing debt, collateral and credit, and set the rate and term. - [Business Lines of Credit for St. Cloud, MN Owners in Stearns County](https://swiftsteadcommercialcapital.com/business-loans/line-of-credit/): Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, arranges business lines of credit through lending partners. A line gives a limit to draw on for recurring, uneven costs such as materials, parts or payroll between invoices, with interest only on the balance used. Partners set the limit, rate, fees and renewal terms. - [Inventory Financing for St. Cloud, MN Owners in Stearns County](https://swiftsteadcommercialcapital.com/business-loans/inventory-financing/): Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, arranges inventory financing through lending partners for retailers, wholesalers and other businesses that carry stock. The partner pays for goods up front, usually secured by that stock, and the balance is paid down as it sells. Partners review sales history, margins and stock turnover and set the terms. - [Equipment Financing and Leasing for St. Cloud, MN Owners in Stearns County](https://swiftsteadcommercialcapital.com/equipment-financing/): Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, arranges equipment financing and leasing through lending partners for construction machines, restaurant and clinic equipment, POS systems and contractor vehicles. The equipment is usually the collateral. Partners review the quote, the equipment's age and the business's cash flow, and set the rate, term and end-of-term options. - [Merchant Cash Advances for St. Cloud, MN Owners in Stearns County](https://swiftsteadcommercialcapital.com/merchant-cash-advance/): Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, explains merchant cash advances and introduces owners to funders that offer them. An advance is not a loan: the funder buys part of future receipts and collects a share of sales until the purchased amount is remitted. The factor, the holdback and all other terms are the funder's to set. ## Industries - [Contractor, Retail, Restaurant and Medical Financing in St. Cloud, MN](https://swiftsteadcommercialcapital.com/industries/): Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, works with four sectors its lending partners have confirmed: construction, restaurants, medical and dental practices, and retail. In Stearns County in 2023 there were 540 construction, 355 food service, 290 ambulatory health care and 635 retail employer establishments. Partners decide every request. - [Contractor and Construction Financing for St. Cloud, MN Owners in Stearns County](https://swiftsteadcommercialcapital.com/industries/construction/): Contractor financing pays for the equipment, payroll and materials construction firms carry between bids, draws and final payment. Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, helps Stearns County contractors, 540 employer establishments in 2023 (Census CBP), choose a structure and introduces requests to lending partners, who decide and set rates and terms. - [Restaurant and Food Service Financing for St. Cloud, MN Owners in Stearns County](https://swiftsteadcommercialcapital.com/industries/restaurants/): Restaurant financing covers kitchen equipment, POS systems, remodels and short cash gaps for food service businesses. Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, helps Stearns County restaurant owners, 355 food service and drinking place employers in 2023 (Census CBP), choose a structure and introduces requests to lending partners, who decide and set terms. - [Medical and Dental Practice Financing for St. Cloud, MN Owners in Stearns County](https://swiftsteadcommercialcapital.com/industries/medical-dental/): Medical and dental practice financing covers equipment, devices, build-outs and reimbursement gaps. Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, helps Stearns County practices, 290 ambulatory health care employers in 2023 including 45 physician and 55 dental offices (Census CBP), choose a structure and introduces requests to lending partners, who decide and set terms. ## Guides and calculators - [Central Minnesota Funding Guides for St. Cloud, MN Owners](https://swiftsteadcommercialcapital.com/resources/): Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, publishes these guides so owners can prepare before a lending partner reviews a request: the Minnesota assumed name certificate, St. Cloud zoning and building permit steps, free help across Central Minnesota, and a heavy equipment loan calculator. - [Minnesota Assumed Name Certificate: Filing, Renewal and Why Partners Match Names](https://swiftsteadcommercialcapital.com/resources/minnesota-assumed-name-certificate/): Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, explains how a Minnesota assumed name relates to a business's legal name, what to check on the state's official records, and why lending partners match the names on bank statements, invoices, leases and quotes. Filing rules and fees come from the state; legal questions go to counsel. - [St. Cloud, MN Zoning and Building Permit Steps Before a Build-Out](https://swiftsteadcommercialcapital.com/resources/st-cloud-mn-zoning-and-building-permits/): Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, sets out the checks owners should make before a lease or build-out: which authority covers the address, whether the zoning allows the use, which building permits the work needs, and what landlord consent is required. Lending partners financing a build-out may ask to see those approvals. - [Small Business Resources in St. Cloud, MN and Central Minnesota](https://swiftsteadcommercialcapital.com/resources/central-minnesota-small-business-resources/): Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, lists the kinds of free help Central Minnesota owners use: small business development centers, the SBA, chambers of commerce and economic development organizations. It explains what each does and how it relates to a funding request. Swiftstead is independent of all of them. - [Heavy Equipment Loan Calculator for Stearns County, MN Contractors](https://swiftsteadcommercialcapital.com/resources/heavy-equipment-loan-calculator/): This heavy equipment loan calculator estimates the monthly payment, total interest and total cost including the down payment from the machine price, down payment, interest rate and term. Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, offers it to Stearns County contractors as an arithmetic check only, not an offer or a prediction of terms. ## Areas served - [St. Cloud, MN Business Funding: Stearns, Benton and Sherburne County Context](https://swiftsteadcommercialcapital.com/st-cloud-mn/): Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, works from 515.5 W St Germain St in ZIP 56301. Census data show 4,474 employer establishments in Stearns County in 2023, about half with fewer than five employees, and 1,194 in ZIP 56301. This page sets out those figures, labelled by geography, and the funding paths that match them. - [Central Minnesota Communities Served From St. Cloud, MN](https://swiftsteadcommercialcapital.com/service-areas/): Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, serves owners in St. Cloud and nearby Central Minnesota towns by phone and online from 515.5 W St Germain St. Sauk Rapids, Sartell, Waite Park, St. Joseph, Clear Lake and Clearwater have their own pages; other towns in Stearns, Benton, Sherburne and Wright counties are covered below. - [Business Funding for Sauk Rapids, MN From a St. Cloud, MN Broker](https://swiftsteadcommercialcapital.com/service-areas/sauk-rapids-mn/): Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, serves Sauk Rapids, MN owners in Benton County by phone and online. ZIP 56379, which includes Sauk Rapids, had 441 employer establishments, 7,840 paid employees and about $446.9 million in payroll in 2023, with construction the largest sector. Lending partners decide every request. - [Business Funding for Sartell, MN From a St. Cloud, MN Broker](https://swiftsteadcommercialcapital.com/service-areas/sartell-mn/): Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, serves Sartell, MN owners by phone and online. ZIP 56377, which includes most of Sartell, had 367 employer establishments, 5,389 paid employees and about $309.4 million in payroll in 2023. Health care and professional services lead. Lending partners decide every request. - [Business Funding for Waite Park, MN From a St. Cloud, MN Broker](https://swiftsteadcommercialcapital.com/service-areas/waite-park-mn/): Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, serves Waite Park, MN owners in Stearns County by phone and online. ZIP 56387, almost all of it inside Waite Park, had 414 employer establishments, 8,483 paid employees and about $380.9 million in payroll in 2023, led by retail and food service. Lending partners decide every request. - [Business Funding for St. Joseph, MN From a St. Cloud, MN Broker](https://swiftsteadcommercialcapital.com/service-areas/st-joseph-mn/): Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, serves St. Joseph, MN owners in Stearns County by phone and online. ZIP 56374, which includes St. Joseph, had 243 employer establishments, 2,991 paid employees and about $169.3 million in payroll in 2023, with construction the largest sector. Lending partners decide every request. - [Business Funding for Clear Lake, MN From a St. Cloud, MN Broker](https://swiftsteadcommercialcapital.com/service-areas/clear-lake-mn/): Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, serves Clear Lake, MN owners in Sherburne County by phone and online. ZIP 55319, which includes Clear Lake, had 102 employer establishments and 586 paid employees in 2023; 70.6 percent had fewer than five employees, and construction led. Lending partners decide every request. - [Business Funding for Clearwater, MN From a St. Cloud, MN Broker](https://swiftsteadcommercialcapital.com/service-areas/clearwater-mn/): Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, serves Clearwater, MN owners by phone and online. ZIP 55320, which includes Clearwater, had 139 employer establishments, 1,670 paid employees and about $101.7 million in payroll in 2023, with construction the largest sector. Lending partners decide every request. ## Company - [Swiftstead Commercial Capital: A St. Cloud, MN Business Funding Broker](https://swiftsteadcommercialcapital.com/): Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, does not lend its own money. From 515.5 W St Germain St it helps Central Minnesota owners choose among six funding structures and introduces each request to lending partners, who approve or decline and set every rate and term. Call (320) 208-9595 to describe the cost. - [Swiftstead's Broker Process for St. Cloud, MN Businesses](https://swiftsteadcommercialcapital.com/how-it-works/): Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, works in four steps: learn what the money is for, match it to a structure, send the request to partners that write that structure, and help you read any offer. Each approval, decline, rate and term comes from a lending partner, never from Swiftstead. - [Common Funding Questions in St. Cloud, MN](https://swiftsteadcommercialcapital.com/faq/): Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, answers common questions here: what a broker does and does not do, whether a new LLC can get funding, why personal loans are not arranged, how merchant cash advances differ from loans, and what happens after the short form is sent. - [Request Funding Options in St. Cloud, MN](https://swiftsteadcommercialcapital.com/apply/): Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, takes requests through a short form that asks for name, phone, email and business name, ranges for time in business, annual revenue and the amount requested, plus consent. Swiftstead then calls to discuss the purpose and the structures that fit. Sending the form commits you to nothing, and any later decision belongs to a lending partner. - [About Swiftstead Commercial Capital in St. Cloud, MN](https://swiftsteadcommercialcapital.com/about/): Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, is a broker, not a lender. From 515.5 W St Germain St it helps owners compare six funding structures and introduces their requests to lending partners. Partners make the credit decisions and set rates and terms; Swiftstead explains the options and the paperwork. - [Contact Swiftstead Commercial Capital in St. Cloud, MN](https://swiftsteadcommercialcapital.com/contact/): Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, is at 515.5 W St Germain St, St. Cloud, MN 56301, phone (320) 208-9595. Owners can also send the short online form for a call back. Swiftstead Commercial Capital is a broker, not a lender; lending partners make every credit decision. - [Broker Disclosures for Swiftstead Commercial Capital, St. Cloud, MN](https://swiftsteadcommercialcapital.com/disclosures/): Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, is a broker, not a lender. It passes business funding requests to lending partners, and only those partners approve, decline, price and set terms. It cannot promise an approval, an amount, a price or a date, and a merchant cash advance is not a loan. ## Optional - [Full text of every page](https://swiftsteadcommercialcapital.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://swiftsteadcommercialcapital.com/sitemap.xml)