Dalewick Business Capital, a small-business funding service in Shelby, North Carolina, takes funding requests through this form and by phone. This page explains what the form asks, the records a partner may read later, whether a business plan is needed, and how a credit line differs from an installment loan for Cleveland County owners.
Name, phone, three range picks and a consent box
The form asks for your full name, phone, email, a company name if the business has one, and three range choices: time in business, annual revenue and the amount you have in mind. A consent box comes last, and the form will not send until it is checked, so read its wording before checking it.
Prefer a conversation? Phone (980) 357-6015 and describe the bill first; the form can wait. Either way, a funding partner reviews the request and makes its own decision, and accepting any offer is your choice. The request steps show what follows.
Do you need a business plan to apply for a business loan?
For an operating business, a plan may not be needed. A partner reading a working capital or equipment request leans on bank statements, tax returns and the equipment quote. A written plan earns its place when the money funds something new: a second location, a build-out, or the purchase of another company, where projections have to explain how the payments will be met.
If you write one, keep it short: what the money buys, what it should change in revenue or costs, and the monthly payment the business can carry.
What documents do I need to apply for a business loan for Shelby, NC owners?
- Business bank statements for the most recent months the partner names
- The last one or two filed business tax returns
- A profit and loss statement and balance sheet dated this quarter
- A schedule of existing debts and their monthly payments
- Quotes or invoices for equipment, stock or build-out work
- Formation documents and any licenses the work requires
Nothing needs uploading on the form itself; a partner names what it wants once it reviews the request.
How to apply for a business loan to buy an existing business: a Shelby, NC checklist
- The signed letter of intent or purchase agreement and the price
- The seller's last three tax returns, plus its profit and loss statements
- An asset list: vehicles, machines, fixtures and stock, with ages
- The lease, and whether the landlord will assign it to you
- Your own down payment and where it comes from
- Your resume in the trade, which a partner reads alongside the seller's numbers
A purchase can point to a term loan, sometimes paired with equipment financing for the machines.
Line of credit vs installment loan: what Shelby, NC owners should know
An installment loan pays out once and is repaid on a fixed schedule; it suits a one-time cost with a known price. A line of credit sets a limit you draw from and repay as cash comes back, with interest on the drawn balance only; it suits costs that recur at uneven times. Some Cleveland County businesses carry both: a term loan for the truck, a line for the payroll weeks before customers pay.
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