Ivybend Advances, a small-business funding broker in Missoula, MT, is not a lender and never funds deals itself. From 111 W Broadway St it explains six funding shapes, prepares requests and routes them to lending partners, which make every credit decision and set rates and terms. It works on business purposes only.
A broker with Advances in its name
A name with Advances in it can suggest we hand out money. We do not. Ivybend Advances is a broker, not a lender: we explain how business funding works, help an owner pick a shape that fits the purpose, and present the request to lending partners. The partner decides; the owner chooses.
Ivybend Advances connects you with lending partners; partners make credit decisions and set rates and terms.
What a loan broker does, and does not do
So what does a loan broker like Ivybend actually do? In our case: listens to what the money is for, explains the trade-offs between working capital, term loans, credit lines, inventory and equipment financing and merchant cash advances, lists the documents partners usually want, and routes the request. Broker vs lender comes down to who holds the risk. The lender (or funder) puts up the money, underwrites and sets terms. Ivybend Advances takes on none of those roles.
- We do not approve or decline requests.
- We do not set rates, factor rates, fees or terms.
- We do not promise outcomes, amounts or timing.
- We do not arrange personal, consumer, agricultural or trucking funding.
Where we are
Ivybend Advances is listed at 111 W Broadway St, Missoula, MT 59802, in ZIP 59802, and answers on (406) 313-8064. Most of our work happens by phone. The contact page has the full details, and the Missoula County overview shows the business landscape we work in.
How we handle a request
The broker process sets out each of the four steps, and the broker disclosures state the formal limits of our role.
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