# Palmwick Lending > Palmwick Lending is a small-business funding broker at 209 N Main St, Kokomo, IN 46901 (phone (765) 224-5248). It helps businesses in Kokomo, IN; Tipton, IN; Peru, IN; Logansport, IN; Sheridan, IN and across Howard County, Indiana, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Palmwick Lending connects you with lending partners; partners make credit decisions and set rates and terms. Palmwick Lending is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Palmwick Lending does not arrange personal, payday, auto title, mortgage or SBA loans, does not offer grants, and does not arrange funding for agriculture or trucking. Key facts: - Business type: small-business funding broker (not a lender) - Address: 209 N Main St, Kokomo, IN 46901, United States - Phone: (765) 224-5248 - Apply: https://palmwicklending.com/apply/ - Service area: Kokomo, IN; Tipton, IN; Peru, IN; Logansport, IN; Sheridan, IN and all of Howard County, Indiana - Language: English ## Funding options - [Business Loan Options for Kokomo, Indiana Businesses](https://palmwicklending.com/business-loans/): Palmwick Lending, a small-business funding service in Kokomo, Indiana, covers six structures: working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. This page compares what each pays for and how it is repaid, so you can match the money to the bill before lending partners review it. - [Working Capital Loans for Kokomo, Indiana Businesses](https://palmwicklending.com/business-loans/working-capital/): Working capital is short-term money for day-to-day bills: wages, a vendor invoice, rent or insurance due before customers pay you. Palmwick Lending, a small-business funding service in Kokomo, Indiana, helps owners describe the gap and sends the request to lending partners, who review it, set pricing and decide. - [Business Term Loans for Kokomo, Indiana Businesses](https://palmwicklending.com/business-loans/term-loans/): A business term loan is one lump sum repaid in scheduled installments over a set period, often used to expand, remodel or buy a business. Palmwick Lending, a small-business funding service in Kokomo, Indiana, prepares the request and passes it to lending partners, who underwrite it, set the rate and term, and make the decision. - [Business Lines of Credit for Kokomo, Indiana Businesses](https://palmwicklending.com/business-loans/line-of-credit/): A business line of credit is a revolving limit you draw from when needed and repay as cash comes in, paying interest only on the drawn balance. Palmwick Lending, a small-business funding service in Kokomo, Indiana, helps owners frame the request; lending partners review it, set the limit and terms, and decide. - [Inventory Financing for Kokomo, Indiana Businesses](https://palmwicklending.com/business-loans/inventory-financing/): Inventory financing pays for stock you buy before it sells, and the goods themselves usually secure the funding. Palmwick Lending, a small-business funding service in Kokomo, Indiana, helps retailers, stations and parts sellers describe the purchase; lending partners review the request, set the terms and make the credit decision. - [Equipment Financing & Leasing for Kokomo, Indiana Businesses](https://palmwicklending.com/equipment-financing/): Equipment financing pays for machines, vehicles and tools, with the equipment usually securing the loan or lease. Palmwick Lending, a small-business funding service in Kokomo, Indiana, helps owners line up quotes and records; lending partners review the request, set the terms and decide, whether the equipment is new or used. - [Merchant Cash Advances for Kokomo, Indiana Businesses](https://palmwicklending.com/merchant-cash-advance/): A merchant cash advance is a purchase of a business's future card or deposit receipts at a discount; it is not a loan. Palmwick Lending, a small-business funding service in Kokomo, Indiana, explains how remittance and the factor rate work, and funding partners review each request, set the terms and decide. ## Industries - [Business Loans by Industry in Kokomo, Indiana](https://palmwicklending.com/industries/): Palmwick Lending, a small-business funding service in Kokomo, Indiana, helps owners across most industries compare funding. This page groups 37 Howard County, IN trades, notes how each can use working capital, credit lines, inventory or equipment financing, and links to detailed pages for eleven of them. Lending partners review every request and decide. - [Funding Options for Restaurants in Kokomo, Indiana](https://palmwicklending.com/industries/restaurants/): Restaurants carry daily costs of food, wages and card fees, while catering invoices and remodels need longer money. Palmwick Lending, a small-business funding service in Kokomo, Indiana, helps restaurant owners pick the structure that fits the bill, and lending partners review each request and decide. - [Funding Options for Retail Stores and Boutiques in Kokomo, Indiana](https://palmwicklending.com/industries/retail/): Retailers can pay for stock before it sells, so timing is part of the funding question. Palmwick Lending, a small-business funding service in Kokomo, Indiana, helps store and boutique owners match inventory purchases, fixtures and acquisitions to the right structure; lending partners review each request and make the decision. - [Funding Options for Medical and Dental Practices in Kokomo, Indiana](https://palmwicklending.com/industries/medical-dental/): Medical and dental practices spend heavily on equipment and space and wait weeks on insurance payers. Palmwick Lending, a small-business funding service in Kokomo, Indiana, helps practice owners match equipment, build-outs, practice purchases and payroll gaps to the right structure; lending partners review each request and decide. - [Funding Options for Gas Station and Convenience Store Owners in Kokomo, Indiana](https://palmwicklending.com/industries/gas-stations/): Gas stations combine a fuel business and a store, plus tanks, pumps and sometimes real estate. Palmwick Lending, a small-business funding service in Kokomo, Indiana, helps station owners and buyers match each bill to a structure; lending partners review each request and decide. - [Funding Options for Chiropractic, Therapy and Optometry Practices in Kokomo, Indiana](https://palmwicklending.com/industries/health-practitioners/): Chiropractic, physical therapy and optometry practices buy specialized equipment, fit out clinic space and wait on insurance payments. Palmwick Lending, a small-business funding service in Kokomo, Indiana, helps practitioners match each of those to a structure, and lending partners review every request and make the decision. - [Funding Options for Auto Repair Shops in Kokomo, Indiana](https://palmwicklending.com/industries/auto-repair/): Auto repair shops buy lifts and scan tools, stock parts and pay technicians before every invoice is collected. Palmwick Lending, a small-business funding service in Kokomo, Indiana, helps shop owners in Howard County, IN match those bills to equipment, inventory or working capital funding; lending partners review and decide. - [Funding Options for Contractors and Builders in Kokomo, Indiana](https://palmwicklending.com/industries/construction/): Contractors pay crews and suppliers before draws and final payments arrive, and they buy machines that must earn their keep across many jobs. Palmwick Lending, a small-business funding service in Kokomo, Indiana, helps builders and remodelers match those bills to a structure, and lending partners review each request and decide. - [Funding Options for Plumbing and HVAC Contractors in Kokomo, Indiana](https://palmwicklending.com/industries/plumbing-hvac/): Plumbing and HVAC contractors stock equipment, run service vans and pay technicians before commercial customers pay. Palmwick Lending, a small-business funding service in Kokomo, Indiana, helps them match vans, stock, payroll and acquisitions to the right structure; lending partners review each request and decide. - [Funding Options for Insurance Agencies in Kokomo, Indiana](https://palmwicklending.com/industries/insurance-agencies/): Insurance agencies earn commissions on new policies and renewals, which makes an agency's book something partners can value and lend against. Palmwick Lending, a small-business funding service in Kokomo, Indiana, helps agents match acquisitions, new producers and office costs to a structure; lending partners review each request and decide. - [Funding Options for Law Firms in Kokomo, Indiana](https://palmwicklending.com/industries/law-firms/): A law firm can do months of work before a fee arrives, especially on contingency matters. Palmwick Lending, a small-business funding service in Kokomo, Indiana, helps firms match fee gaps, partner buy-ins and office costs to a structure; lending partners review the firm's records and decide on each request. - [Funding Options for Landscaping Companies in Kokomo, Indiana](https://palmwicklending.com/industries/landscaping/): Landscaping and lawn care companies run on equipment and crews, and their revenue timing depends on the services offered. Palmwick Lending, a small-business funding service in Kokomo, Indiana, helps owners match mowers, trucks, trailers and uneven months to the right structure; lending partners review each request and decide. ## Guides and calculators - [Guides and Tools for Kokomo, Indiana Business Owners](https://palmwicklending.com/resources/): Palmwick Lending, a small-business funding service in Kokomo, Indiana, publishes practical guides for owners in Howard County, IN: a zoning and building permits checklist, an Indiana Form ST-105 walkthrough for resale purchases, a payment calculator for buying a business, and a blog of local funding examples. - [Kokomo, Indiana Zoning and Building Permits: What to Check Before a Lease or Build-Out](https://palmwicklending.com/resources/kokomo-indiana-zoning-and-building-permits/): Before signing a lease or financing a build-out in Kokomo, Indiana, confirm which government's zoning applies, whether your use is allowed at the address, and which permits the work needs. Palmwick Lending, a small-business funding service in Kokomo, Indiana, wrote this checklist around points a lending partner may ask about before funding premises work. - [Indiana Form ST-105 for Kokomo, Indiana Retailers and Gas Stations: Buying Inventory for Resale](https://palmwicklending.com/resources/indiana-st-105-sales-tax-exemption-certificate/): Indiana Form ST-105 is the sales tax exemption certificate Kokomo, Indiana retailers and station owners search for when buying stock to resell. Palmwick Lending, a small-business funding service in Kokomo, Indiana, explains where the certificate fits in a financed inventory purchase and what records partners read. Tax rules themselves are for the Department of Revenue and your tax adviser. - [Payment Calculator for Buying a Business in Kokomo, Indiana](https://palmwicklending.com/resources/loan-to-buy-a-business-calculator/): This calculator estimates the monthly payment, total interest and total repaid on a loan used to buy a business. Palmwick Lending, a small-business funding service in Kokomo, Indiana, provides it so buyers can test a price before making an offer. Figures it returns are estimates only; the real rate and term come from a lending partner. ## Areas served - [Kokomo, Indiana Small Businesses: Howard County, IN Data and Funding Help](https://palmwicklending.com/kokomo-in/): Howard County, IN had 1,813 employer establishments in 2023 and 4,700 businesses without paid employees in 2024, according to the Census Bureau. Palmwick Lending, a small-business funding service in Kokomo, Indiana, uses these figures to explain how local businesses fund wages, stock, equipment and expansions, and sends requests to lending partners who review and decide. - [Areas Served Around Kokomo, Indiana: Howard County, IN and Nearby Towns](https://palmwicklending.com/service-areas/): Palmwick Lending, a small-business funding service in Kokomo, Indiana, takes requests by phone and online from across Howard County, IN and nearby counties. Four towns have their own pages; the rest are covered here with ZIP-level Census counts. Lending partners review every request and decide. - [Business Funding for Tipton, Indiana Owners](https://palmwicklending.com/service-areas/tipton-in/): Tipton, IN sits about 15 miles south-southeast of Kokomo, IN in Tipton County, IN. Palmwick Lending, a small-business funding service in Kokomo, Indiana, takes requests from Tipton owners by phone and online, explains the structures, and sends each request to lending partners, who review it, set terms and decide. - [Business Funding for Peru, Indiana Owners](https://palmwicklending.com/service-areas/peru-in/): Peru, IN is about 19 miles north of Kokomo, IN in Miami County, IN. Palmwick Lending, a small-business funding service in Kokomo, Indiana, takes requests from Peru owners by phone and online, matches the bill to a funding structure, and routes the request to lending partners, who review, price and decide. - [Business Funding for Logansport, Indiana Owners](https://palmwicklending.com/service-areas/logansport-in/): Logansport, IN is about 22 miles north-northwest of Kokomo, IN in Cass County, IN. Palmwick Lending, a small-business funding service in Kokomo, Indiana, takes requests from Logansport owners by phone and online, sorts out which funding structure fits, and sends each request to lending partners, who review it and decide. - [Business Funding for Sheridan, Indiana Owners](https://palmwicklending.com/service-areas/sheridan-in/): Sheridan, IN is a Hamilton County, IN town about 23 miles south of Kokomo, IN. Palmwick Lending, a small-business funding service in Kokomo, Indiana, takes requests from Sheridan owners by phone and online, matches the bill to a structure, and sends each request to lending partners, who review it, set terms and decide. ## Company - [Business Loans and Working Capital for Kokomo, Indiana Owners](https://palmwicklending.com/): Palmwick Lending is a small-business funding service in Kokomo, Indiana, built around the bill. Owners describe the bill they need paid, from wages to a walk-in cooler to buying a station, and Palmwick sends the request to lending partners who review it, set terms and decide. Six structures are available, including merchant cash advances, which are not loans. - [How Business Funding Works for Kokomo, Indiana Owners](https://palmwicklending.com/how-it-works/): Palmwick Lending, a small-business funding service in Kokomo, Indiana, takes a request through four steps: a call about the bill, a check of the basic records, a lending partner's review, and your decision on any offer. This page explains each step, the documents partners usually ask for, and what affects how long a request takes. - [Business Funding Questions From Kokomo, Indiana Owners](https://palmwicklending.com/faq/): Short answers for owners in Kokomo, Indiana about how Palmwick Lending, a small-business funding service, matches a request with funding partners, who review it and make their own decision. It also covers what the form asks, which records partners read, how each structure is repaid, and what is never promised. Longer explanations sit on the process, options and guide pages linked below. - [About Palmwick Lending in Kokomo, Indiana](https://palmwicklending.com/about/): Palmwick Lending is a Kokomo, Indiana service that helps small businesses find funding. It helps owners in Howard County, IN and nearby towns describe what they need funded and passes each request to lending partners, who review it, set terms and make the credit decision. Requests arrive by phone and online. - [Contact Palmwick Lending in Kokomo, Indiana](https://palmwicklending.com/contact/): Reach Palmwick Lending, a small-business funding service in Kokomo, Indiana, by phone at (765) 224-5248 or through the online request form. Describe the bill you need paid and when it is due; a callback follows. The listed address and a map are on this page. - [Request Funding Options in Kokomo, Indiana](https://palmwicklending.com/apply/): This form starts a funding request with Palmwick Lending, a small-business funding service in Kokomo, Indiana. It asks for your full name, phone, email, company name (optional) and three required picks: time in business, annual revenue range and requested amount range. A callback follows to discuss the bill and which structure fits. - [Disclosures: Palmwick Lending, Kokomo, Indiana](https://palmwicklending.com/disclosures/): Palmwick Lending is a small-business funding service in Kokomo, Indiana that routes requests to lending partners. These disclosures explain who makes credit decisions, what the site never promises, how merchant cash advances differ from loans, where local figures come from, and which topics are reserved for counsel review. ## Optional - [Full text of every page](https://palmwicklending.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://palmwicklending.com/sitemap.xml)