Disclosures for Timberwater Funding Group, Dickinson, ND

Timberwater Funding Group is a broker, not a lender. It does not lend money, approve requests or set terms. It talks with an owner about the business and the purchase, then passes the request to independent funding partners whose products may fit.

Each funding partner runs its own review, applies its own requirements and makes its own decision, and it may check personal or business credit along the way. Any offer comes from the partner with its own amount, rate, term, fees and collateral. A business is bound only by an agreement it signs with that partner.

A merchant cash advance is not a loan. An advance provider buys a share of a business's future receivables, typically card sales, and collects that share from the sales as they come in. The provider sets the purchase price, the total to be collected and the share it takes from each day's sales.

Business counts on this site come from the U.S. Census Bureau's County Business Patterns, ZIP Code Business Patterns and Nonemployer Statistics, and self-employment shares from the American Community Survey, each cited with its program and year. Paragraphs marked "Illustration only, invented figures" use made-up numbers to show the arithmetic, and the calculators return estimates from the inputs entered. None of them is an offer, a rate quote or a forecast of any partner's decision.