# Eastbrook Finance > Eastbrook Finance is a small-business funding broker at 418 E Main St, Charlottesville, VA 22902 (phone (434) 204-6959). It helps businesses in Charlottesville, VA; Waynesboro, VA and across Charlottesville city, Virginia, explore business term loans, working capital loans, business lines of credit, equipment financing and leasing, inventory financing, and merchant cash advances. Eastbrook Finance forwards business funding requests to funding partners; the partner that reviews a request makes its own credit decision and sets its own rates and terms. Eastbrook Finance is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Eastbrook Finance does not arrange personal, payday, auto title, mortgage, startup or SBA loans, does not offer grants, and does not arrange funding for trucking or agriculture. Key facts: - Business type: small-business funding broker (not a lender) - Address: 418 E Main St, Charlottesville, VA 22902, United States - Phone: (434) 204-6959 - Apply: https://eastbrookfinance.com/apply/ - Service area: Charlottesville, VA; Waynesboro, VA and all of Charlottesville city, Virginia - Language: English ## Funding options - [Business Financing Options for Charlottesville, VA Restaurants: Six Products Compared](https://eastbrookfinance.com/business-loans/): Eastbrook Finance in Charlottesville, Virginia compares six funding types against the cost each one suits, then forwards a request to funding partners, who review it and decide on any offer. - [Working Capital Loans in Charlottesville, VA for Payroll, Supplier Bills and Rent](https://eastbrookfinance.com/business-loans/working-capital/): Eastbrook Finance in Charlottesville, Virginia helps owners frame a working capital request around the gap between a bill and the deposit that covers it, then forwards it to funding partners who review it and decide. - [Business Term Loans in Charlottesville, VA for Buyouts, Renovations and Second Locations](https://eastbrookfinance.com/business-loans/term-loans/): Eastbrook Finance, a Charlottesville, Virginia funding office, sets business term loans against five other funding types and forwards a request to funding partners, who review it and set any amount, rate and term. - [Business Lines of Credit in Charlottesville, VA: Draw for Payroll and Parts Orders](https://eastbrookfinance.com/business-loans/line-of-credit/): Eastbrook Finance in Charlottesville, Virginia helps owners decide whether a revolving line or a loan suits a repeating bill, then forwards the request to funding partners, who set any limit, rate and renewal terms. - [Inventory Financing in Charlottesville, VA for Linen Stock, Tire Stock and Holiday Stock](https://eastbrookfinance.com/business-loans/inventory-financing/): Eastbrook Finance in Charlottesville, Virginia helps stores, grocers and other stock-holding businesses frame an inventory request around the order, the sell-through weeks and the margin, then forwards it to funding partners who decide. - [Equipment Financing for Charlottesville, VA Salons: Barber Chairs and Shampoo Bowls](https://eastbrookfinance.com/equipment-financing/): Eastbrook Finance in Charlottesville, Virginia sets equipment loans and leases side by side for salons, gyms, contractors, repair shops, grocers and clinics, and forwards each request to funding partners who set the terms. - [Merchant Cash Advance for Charlottesville, VA Grocers and Hotels, Collected From Card Sales](https://eastbrookfinance.com/merchant-cash-advance/): Eastbrook Finance in Charlottesville, Virginia explains merchant cash advances in plain terms and sets them beside loan options, so an owner can compare total dollars before forwarding a request to funding providers or partners. ## Industries - [Business Loans by Industry in Charlottesville, VA: Grocers, Hotels and Repair Shops](https://eastbrookfinance.com/industries/): Eastbrook Finance in Charlottesville, Virginia takes requests from established businesses of every trade except trucking and agriculture. Eleven trade pages sit under this hub, with Census-based notes for other trades. - [Charlottesville, VA Construction Business Loans: Mini Excavators and Supplier Deposits](https://eastbrookfinance.com/industries/construction/): Eastbrook Finance helps Charlottesville, Virginia builders and trade contractors request equipment financing, working capital and credit lines. County Business Patterns counted 108 construction employers in Charlottesville, VA in 2023. - [Business Loans for Retail in Charlottesville, VA: Holiday Stocking and Checkout Counters](https://eastbrookfinance.com/industries/retail/): Eastbrook Finance helps Charlottesville, Virginia shop owners request inventory financing, equipment financing and working capital. Charlottesville, VA had 277 retail employer establishments in 2023 (County Business Patterns). - [Restaurant Loans in Charlottesville, VA: Reach-In Freezers and Dining-Room Refreshes](https://eastbrookfinance.com/industries/restaurants/): Eastbrook Finance helps Charlottesville, Virginia restaurant owners request equipment financing, credit lines and working capital. The 2023 County Business Patterns file lists 248 restaurants and other eating places with paid staff inside Charlottesville, VA. - [Charlottesville, VA Salon Business Loans: Shampoo Bowls and Retail Product Stock](https://eastbrookfinance.com/industries/salons/): Eastbrook Finance helps Charlottesville, Virginia salon and barbershop owners frame requests for stations, renovations, product stock and slow weeks. County Business Patterns counted 28 beauty salons and 4 nail salons with paid employees in Charlottesville, VA in 2023. - [Charlottesville, VA Grocery Store Loans: Deli Slicers and Cooler Replacements](https://eastbrookfinance.com/industries/grocery-stores/): Eastbrook Finance helps Charlottesville, Virginia grocers and convenience store owners put together requests for cooler and checkout equipment, stock and store purchases. Charlottesville, VA had 37 grocery stores with paid employees in 2023, convenience stores included (County Business Patterns). - [Charlottesville, VA Hotel Loans: Guest-Room Furniture and Franchise Upgrades](https://eastbrookfinance.com/industries/hotels-motels/): Eastbrook Finance helps Charlottesville, Virginia hotel, motel and inn owners request term loans, equipment financing and credit lines for the operating business. Charlottesville, VA had 31 traveler accommodation employer establishments in 2023 (County Business Patterns). - [Charlottesville, VA Auto Repair Shop Loans: Wheel Balancers and Added Service Bays](https://eastbrookfinance.com/industries/auto-repair/): Eastbrook Finance helps Charlottesville, Virginia repair shop owners request equipment financing, credit lines and term loans. County Business Patterns put the number of auto repair and maintenance employers in Charlottesville, VA at 26 for 2023. - [Charlottesville, VA Coffee Shop Loans: Green-Coffee Orders and Espresso Machines](https://eastbrookfinance.com/industries/coffee-shops/): Eastbrook Finance helps Charlottesville, Virginia cafe and coffee shop owners request equipment financing, working capital and term loans. County Business Patterns counted 36 snack and nonalcoholic beverage bars, the code that holds coffee shops, with paid employees in Charlottesville, VA in 2023. - [Charlottesville, VA Law Firm Loans: Document Scanners and Partner Buyouts](https://eastbrookfinance.com/industries/law-firms/): Eastbrook Finance helps Charlottesville, Virginia law practices request term loans, credit lines and equipment financing. Charlottesville, VA had 60 legal services employer establishments in 2023 (County Business Patterns). - [Chiropractic Practice Loans in Charlottesville, VA: Decompression Tables](https://eastbrookfinance.com/industries/chiropractors-and-therapists/): Eastbrook Finance helps Charlottesville, Virginia chiropractors and physical therapy clinics request equipment financing, working capital and term loans. County Business Patterns counted 53 offices of chiropractors, therapists and other health practitioners in Charlottesville, VA in 2023. - [Charlottesville, VA Accounting Firm Financing: Secure File Servers and Tax-Season Hiring](https://eastbrookfinance.com/industries/accounting-firms/): Eastbrook Finance helps Charlottesville, Virginia accounting, tax and bookkeeping practices request term loans, credit lines and equipment financing. Charlottesville, VA had 30 accounting, tax preparation, bookkeeping and payroll offices in 2023 (County Business Patterns). ## Guides and calculators - [Charlottesville, VA Funding Guides for Grocers and Hotels](https://eastbrookfinance.com/resources/): Eastbrook Finance in Charlottesville, Virginia publishes guides to the local filings that come up in a funding request and a calculator for purchase loans; regulatory questions belong with each office. - [Charlottesville, VA Zoning Map and Building Permits for Hotel and Shop Owners](https://eastbrookfinance.com/resources/charlottesville-zoning-and-building-permits/): Eastbrook Finance in Charlottesville, Virginia explains where zoning and permit steps sit in a renovation funding request. Rules, fees and dates come from the City of Charlottesville; confirm them with Neighborhood Development Services. - [Charlottesville, VA Business License for Central Virginia Restaurant Operators](https://eastbrookfinance.com/resources/charlottesville-business-license-and-meals-tax/): Eastbrook Finance in Charlottesville, Virginia explains the city business license, meals tax and lodging tax as they come up in funding requests. Rates, dates and forms come from the City of Charlottesville's Commissioner of the Revenue; confirm them with that office. - [Virginia ABC License: What Charlottesville, VA Hotel Owners Should Know Before Applying](https://eastbrookfinance.com/resources/virginia-abc-license-for-restaurants/): Eastbrook Finance in Charlottesville, Virginia explains where a Virginia ABC license fits in a funding request. License rules come from Virginia ABC and the Code of Virginia; questions about them go to Virginia ABC or counsel. - [Small Business Purchase Loan Calculator for Charlottesville, VA Store Owners](https://eastbrookfinance.com/resources/small-business-purchase-loan-calculator/): Eastbrook Finance in Charlottesville, Virginia offers this purchase loan calculator for owners pricing a business, a buyout or a second location. The math runs on what you enter; any real rate or term comes from a funding partner. ## Areas served - [Business Loans in Charlottesville, VA for Grocers, Hotels and Repair Shops](https://eastbrookfinance.com/charlottesville-va/): Eastbrook Finance in Charlottesville, Virginia forwards funding requests from city businesses to funding partners, who review them and decide. The city's 2023 County Business Patterns file lists 2,070 employer establishments. - [Business Funding Across Central Virginia: Towns Reached From Charlottesville, VA](https://eastbrookfinance.com/service-areas/): Eastbrook Finance in Charlottesville, Virginia takes funding requests from nearby Central Virginia towns by phone or form; distances below are straight-line from the office. - [Business Loans for Waynesboro, VA Grocers and Hotels](https://eastbrookfinance.com/service-areas/waynesboro-va/): Eastbrook Finance in Charlottesville, Virginia takes funding requests from Waynesboro, VA owners and forwards them to funding partners, who review them and decide. ## Company - [Small Business Funding in Charlottesville, VA: Grocers, Hotels and Repair Shops](https://eastbrookfinance.com/): Eastbrook Finance is a Charlottesville, Virginia funding office that turns an owner's purchase or payroll gap into a request a funding partner can read. It starts with what the money pays for and how it comes back, narrows six funding types to the ones that fit, and forwards the request; the partner reviews it and decides on any approval, amount, rate and term. - [How to Get a Small Business Loan in Charlottesville, VA, Explained Step by Step](https://eastbrookfinance.com/how-it-works/): Eastbrook Finance in Charlottesville, Virginia frames each funding request around one expense and its timing, then forwards it to funding partners, who review it and make their own decisions. - [Business Funding Questions From Charlottesville, VA Grocers and Hotels](https://eastbrookfinance.com/faq/): Eastbrook Finance in Charlottesville, Virginia answers common funding questions in plain terms; funding partners make the decisions on any request. - [About Eastbrook, a Charlottesville, VA Funding Office for Grocers and Hotels](https://eastbrookfinance.com/about/): Eastbrook Finance, a Charlottesville, Virginia funding office, sorts six funding types against an owner's expense and forwards the request to funding partners, who review it and decide. - [Contact Eastbrook Finance in Charlottesville, VA About Funding for Contractors and Cafes](https://eastbrookfinance.com/contact/): Eastbrook Finance in Charlottesville, Virginia can be reached by phone or through the request form. - [Request Small Business Funding in Charlottesville, VA for Grocers and Hotels](https://eastbrookfinance.com/apply/): Eastbrook Finance in Charlottesville, Virginia uses a short request form to open a funding conversation; funding partners review any request that goes forward and make their own decisions. - [Disclosures for Eastbrook Finance, Charlottesville, VA](https://eastbrookfinance.com/disclosures/): Eastbrook Finance in Charlottesville, Virginia is a small-business funding broker, not a lender. ## Optional - [Full text of every page](https://eastbrookfinance.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://eastbrookfinance.com/sitemap.xml)