Wheatmead Funding, a small-business funding broker in Eau Claire, Wisconsin, is not a lender. From 207 S Barstow St it helps business owners understand six funding structures, prepares requests and introduces them to lending partners. Partners decide and set terms; Wheatmead Funding helps the owner read and compare offers.
A broker called Funding
Wheatmead Funding is a broker, not a lender. The name describes what owners come to us for, not what we hold: there is no loan book here and no credit committee. Wheatmead Funding connects you with lending partners; partners make credit decisions and set rates and terms.
What a loan broker does is simple to state. We listen to what the money is for, explain the structures that fit, help put the file together, and take it to partners that offer that structure. A lender does the rest: underwriting, the decision and the terms.
Broker or lender: why it matters to you
- A lender can approve; we cannot. Anyone at a brokerage promising approval is overstepping.
- A broker can compare structures across partners; a single lender offers its own products.
- Your contract is with the lender or funder, never with us.
How we work
- Purpose first: we start with what the money pays for and how it comes back.
- Matched requests: a file goes only to partners that offer the structure you need.
- Permission first: nothing is sent without your agreement.
- Plain reading: we go through the total cost and schedule of any offer with you.
The four steps are set out on how a request moves.
What we will not do
- Set up personal, payday, auto-title or home loans of any kind.
- Forecast a yes, a dollar figure, a price or a date before a partner has read your file.
- Send your information anywhere without your agreement.
- Arrange agriculture or trucking funding, which our partners do not offer.
Where we are
The business address is 207 S Barstow St, Eau Claire, WI 54701. The contact page has the phone number and a map, and the Eau Claire, WI page sets out the county's business figures and local contacts.
The formal version
Our role, the limits of what we can promise and how we handle information are set out in the broker disclosures. Short answers to common questions are on the FAQ page.
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