# Timberwater Funding Group > Timberwater Funding Group is a small-business funding broker at 113 1st St W, Dickinson, ND 58601 (phone (701) 402-5867). It helps businesses in Dickinson, ND; Belfield, ND; Richardton, ND; South Heart, ND; Gladstone, ND; Taylor, ND and across Stark County, North Dakota; and in New England, ND (Hettinger County), explore funding options. Timberwater Funding Group is a funding broker for Dickinson, ND and Stark County, ND businesses: working capital, term loans, lines of credit, equipment and inventory financing, and merchant cash advances through funding partners. Timberwater Funding Group is a broker, not a lender. Each request goes to independent funding partners; every partner runs its own review and makes its own decision. Timberwater Funding Group is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. No trucking, hauling or hot-shot funding, no agriculture funding (farms, ranches, crops, livestock), no real estate or property loans, no startup or SBA loan pages, no consumer or personal loans. Key facts: - Business type: small-business funding broker (not a lender) - Address: 113 1st St W, Dickinson, ND 58601, United States - Phone: (701) 402-5867 - Apply: https://timberwaterfundinggroup.com/apply/ - Places: Dickinson, ND; Belfield, ND; Richardton, ND; South Heart, ND; Gladstone, ND; Taylor, ND and all of Stark County, North Dakota; also New England, ND (Hettinger County) - Language: English ## Funding options - [Business Financing Options in Dickinson, ND When an Operator Pays on Its Schedule](https://timberwaterfundinggroup.com/business-loans/): A side-by-side table of six funding options, secured and unsecured loans explained with Stark County, ND examples from an auto repair shop, a retailer, an oilfield service company, a chiropractic clinic and a restaurant, and an index from money purpose to product page. - [Working Capital Loans in Dickinson, ND for Crew Payroll While Invoices Age](https://timberwaterfundinggroup.com/business-loans/working-capital/): What working capital covers for a Dickinson, ND business, with examples from a retail shop, a contractor waiting on draws, a chiropractic office hiring staff and a construction crew renting equipment, plus what a funding partner can review. - [Business Term Loans in Dickinson, ND for Buying a Service Company or a Shop](https://timberwaterfundinggroup.com/business-loans/term-loans/): How a term loan compares with a merchant cash advance, a revolving line, a fixed-rate loan and a bridge loan for Stark County, ND contractors, oilfield service companies, clinics and restaurants, plus a worked acquisition example and what a term loan request includes. - [Business Lines of Credit in Dickinson, ND for Rig-Up Costs, Parts and Fuel](https://timberwaterfundinggroup.com/business-loans/line-of-credit/): How a business line of credit works for Stark County, ND oilfield service companies, clinics, restaurants and retail shops, with an invented draw-and-interest example, a line-versus-advance comparison and what a partner can review before setting a limit. - [Inventory Financing in Dickinson, ND for Parts, Fluids and Store Shelves](https://timberwaterfundinggroup.com/business-loans/inventory-financing/): How inventory financing works for Stark County, ND repair shops, restaurants, contractors, retailers and oilfield service companies, with an invented bulk-order discount check, a parts-order example and the difference from supply chain financing. - [Equipment Financing in Dickinson, ND: Workover Rigs, Frac Tanks and Service Trucks](https://timberwaterfundinggroup.com/equipment-financing/): Financing for oilfield units, clinic equipment, restaurant and bar machines in Stark County, ND: what each purchase involves, what a partner can ask for, a lease-versus-loan check and a worked dish machine example. - [Merchant Cash Advance in Dickinson, ND for Restaurants and Stores Paid by Card](https://timberwaterfundinggroup.com/merchant-cash-advance/): A card-sales advance is a purchase of future receivables, not a loan. This page covers the holdback, factor rate and total collected, revenue-based financing, and fits for Stark County, ND gas stations, repair shops, retail shops and contractors. ## Industries - [Business Loans by Industry in Dickinson, ND: Oilfield Service, Builders and Retail](https://timberwaterfundinggroup.com/industries/): Seven Dickinson, ND trades get a page of their own. Clinics, salons, hotels, child care and several repair and building trades get a section on this page, each with its 2023 Stark County, ND count. - [Construction Business Loans in Dickinson, ND: Excavators and Materials](https://timberwaterfundinggroup.com/industries/construction/): Contractors in Dickinson, ND can ask about a credit line for materials and retainage gaps, equipment financing for excavators and loaders, and working capital for crews. Funding partners review each request and decide. - [Business Loans for Retail in Dickinson, ND: Supplier Terms, Camera Kits and Signage](https://timberwaterfundinggroup.com/industries/retail/): Stores in Dickinson, ND can ask about inventory financing for supplier orders, a merchant cash advance collected from card sales, and equipment financing for cases, POS systems and camera kits. - [Restaurant Loans in Dickinson, ND, From Dish Machines to a Second Location](https://timberwaterfundinggroup.com/industries/restaurants/): Restaurants in Dickinson, ND can ask about equipment financing for ranges, fryers, ice machines and walk-in coolers, and working capital for food orders and payroll. Funding partners review each request and decide. - [Auto Repair Shop Loans in Dickinson, ND, From Wheel Balancers to Technician Payroll](https://timberwaterfundinggroup.com/industries/auto-repair/): Repair shops in Dickinson, ND can ask about equipment financing for balancers, scan tools and alignment racks, term loans for buying a running shop, and working capital for technician payroll. - [Oilfield Equipment Financing in Dickinson, ND: Pressure Pumps and Truck Repairs](https://timberwaterfundinggroup.com/industries/oilfield-services/): Oilfield service companies in Dickinson, ND can ask about equipment financing for rigs, pumps, vacuum trucks and trailers, and working capital for parts, truck repairs and payroll while invoices are open. - [Dickinson, ND Chiropractic Practice Loans for Rehab Gear and a Practice Purchase](https://timberwaterfundinggroup.com/industries/chiropractors-and-therapists/): Chiropractors and therapists in Dickinson, ND can ask about a term loan to buy a practice, equipment financing for tables and rehab gear, and working capital for insurance billing gaps. - [Dickinson, ND Gas Station Loans for Car-Wash Equipment and Store Coolers](https://timberwaterfundinggroup.com/industries/gas-stations-convenience-stores/): Station owners in Dickinson, ND can ask about financing for the store inside: coolers, shelving, POS systems, car-wash machinery and stock, or buying a running station business. Fuel equipment and real estate are outside this site. ## Tools and calculators - [Dickinson, ND Funding Resources: a Payment Calculator and Request Checklists by Trade](https://timberwaterfundinggroup.com/resources/): One payment calculator and four trade checklists for Dickinson, ND owners, each listing records a funding partner may ask for before any offer. - [Equipment Financing Payment Calculator for Dickinson, ND Trucks and Rigs](https://timberwaterfundinggroup.com/resources/equipment-financing-payment-calculator/): A payment calculator for equipment quotes in Stark County, ND: which numbers to enter, two worked restaurant examples (a walk-in cooler and a range with fryers) and what the arithmetic leaves out. ## Communities near Dickinson, ND - [Business Loans in Dickinson, ND: Stark County, ND Oil Service, Retail and Construction Data](https://timberwaterfundinggroup.com/dickinson-nd/): Timberwater Funding Group takes business funding calls in Dickinson, ND for equipment, fixtures, payroll gaps and the purchase of a running business. Funding partners review each request and decide. Buying or leasing a building is outside this site. - [Stark County, ND Business Funding From Dickinson, ND to Belfield, ND and Richardton, ND](https://timberwaterfundinggroup.com/service-areas/): Owners in the smaller Stark County, ND cities, and in New England, ND, use the same Dickinson, ND phone line and the same funding products. ZIP figures on this page describe whole postal areas, not city limits. ## Company - [Small Business Loans in Dickinson, ND for Oilfield Crews, Contractors and Shops](https://timberwaterfundinggroup.com/): Six funding options for Stark County, ND businesses, each with its own page; worked examples for a contractor, a retail shop, a restaurant and an oilfield service company; Census Bureau counts of county employers; and what a first call to (701) 402-5867 covers. - [How to Qualify for a Business Loan in Dickinson, ND: The File a Partner Reads](https://timberwaterfundinggroup.com/how-it-works/): The order of a funding request for a Stark County, ND business, with records to gather for a line of credit, retainage gaps, working capital and a clinic equipment purchase, plus how credit comes into a partner review. - [Dickinson, ND Business Loan Questions for Service Companies, Builders and Stores](https://timberwaterfundinggroup.com/faq/): Answers on merchant cash advance collection, refinancing a business loan, working capital terms, business loan requirements and drawdown lines of credit, each with a Stark County, ND example. - [About Timberwater Funding Group: Stark County, ND Requests Handled From Dickinson, ND](https://timberwaterfundinggroup.com/about/): Timberwater Funding Group is a Dickinson, ND office that talks through a business purchase or a cash gap by phone and passes the request to funding partners. The partner that reviews it sets any terms and decides. - [Contact Timberwater Funding Group in Dickinson, ND About a Truck, Tank or Payroll Gap](https://timberwaterfundinggroup.com/contact/): Phone (701) 402-5867 or the request form on the apply page reach the Timberwater Funding Group office in Dickinson, ND. Owners in Stark County, ND cities and New England, ND use the same line. - [Apply for Business Funding in Dickinson, ND: Equipment Quote or Payroll Need](https://timberwaterfundinggroup.com/apply/): The request form takes contact details, company name, three ranges and consent, with no upload. The checklists here wait until a funding partner, partway through its review, names the records it wants. - [Disclosures for Timberwater Funding Group, Dickinson, ND](https://timberwaterfundinggroup.com/disclosures/): Timberwater Funding Group is a broker, not a lender. Funding partners review each request and set any terms; Census figures carry their program and year, and examples use invented numbers. ## Optional - [Full text of every page](https://timberwaterfundinggroup.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://timberwaterfundinggroup.com/sitemap.xml)