Apply for Business Funding in Dickinson, ND: Equipment Quote or Payroll Need

A restaurant's checklist shifts with what the money is for, but the core stays put. None of it goes on the form: these are records a funding partner may ask for once it is reviewing the request.

1. The quote for the equipment, such as a walk-in cooler, a range or a dish machine, with the seller's name and the delivered price.
2. Recent business bank statements, which show card-sales deposits, supplier payments and the balance the kitchen holds through an ordinary week.
3. The latest business tax return and a current profit and loss statement, so food and labor costs can be read against sales.
4. Current loans, equipment payments and any card-sales advance still being collected, each with what it takes per month.
5. The lease for the restaurant space and its remaining term, which a partner may set next to the length of the financing.

A kitchen with paid staff can add its payroll register. The office ZIP gives a sense of scale: of the 90 accommodation and food services establishments with a ZIP 58601 address in 2023, a sector that takes in hotels as well as restaurants, 24.4% had fewer than five employees, which leaves 75.6% with five or more (ZIP Code Business Patterns, NAICS 72; our arithmetic).

A credit union is a member-owned cooperative, so a business loan application there starts with membership in that credit union and is filed with it directly.

The request form here works differently. It is not an application at all: it carries contact details and three ranges, and the funding partner that reviews the request runs its own application.

For a repair shop pricing tool upgrades, the preparation is the same either way. A scan tool, a tire changer and balancer, a two-post lift or a diesel diagnostic kit each comes with a quote, and a partner can weigh those quotes against what the shop brings in.

• Each quote on its own line, with the seller and whether installation or training is part of the price
• Recent months of business bank statements
• The last business tax return next to a current profit and loss statement
• A schedule of existing equipment payments and loans
• The shop lease, when the building is rented
• Formation documents that show who owns the business

Shops with only a few people on payroll are a large part of this trade: 24 of the 37 Automotive Repair and Maintenance establishments with paid employees in Stark County, ND had fewer than five employees in 2023 (County Business Patterns, NAICS 8111). In a shop that size, the owner's personal tax return can sit next to the business return in the file.

Nonemployer Statistics, a separate Census program, counted 57 automotive repair and maintenance businesses with no paid employees in Stark County, ND in 2024 (NAICS 8111).

Take an invented case: an excavation contractor in Stark County, ND wants two used skid steers and a set of attachments from one dealer. Here is the documents list, with the reason each item is on it.

• The dealer quote, with each machine's year, hours and serial number: the machines secure the financing, so a partner can check what they are worth.
• Recent business bank statements: they show whether deposits come in steadily or in lumps tied to progress payments.
• An accounts receivable aging report: it shows which general contractors or project owners owe money, and for how long.
• The excavation company's tax returns from the last few years, with this year's profit and loss to date.
• A schedule of current equipment loans and leases, with monthly payments and payoff dates.
• Active contracts or accepted bids, which show the work the machines would go to.

For 65.5% of the 139 Construction establishments in Stark County, ND, the payroll in 2023 numbered fewer than five people (County Business Patterns, NAICS 23, which takes in heavy and civil engineering as well as the specialty trades). In a firm that small, the owner's personal returns and credit can sit alongside the business documents.

Nonemployer Statistics, counted on its own, listed 271 construction businesses with no paid employees in Stark County, ND in 2024. Where a partner asks for a payroll history, an owner-operator can offer the owner's own tax returns. The equipment financing page has payment examples for machines like these.

The form has no upload, so nothing is attached when you press send. Bank statements come later, when a funding partner reviewing the request asks for them, and a retailer can have them ready. Here is what a partner can look at in them.

• Card-sales and cash deposits, week by week, to see how steady sales run
• How far the balance dips in a month, next to where it closes
• Overdrafts and returned items
• Payments already going to other lenders or to advance providers
• Supplier payments, which show how much stock the shop buys and how often
• Money moved between the business account and the owner's own accounts

For a shop with a handful of staff, bank statements can be the clearest record of how the business runs. In ZIP 58601, 37.7% of the 151 Retail Trade establishments counted in 2023 had fewer than five employees (ZIP Code Business Patterns, NAICS 44-45).

The how-it-works page shows the steps after the form, and the FAQ page answers shorter questions about partners and records.