# Valepine Business Capital > Valepine Business Capital is a small-business funding broker at 138 Algoma Blvd, Oshkosh, WI 54901 (phone (920) 260-3974). It helps businesses in Oshkosh, WI; Omro, WI; Neenah, WI; Fond du Lac, WI; Chilton, WI; Ripon, WI; Berlin, WI and across Winnebago County, Wisconsin, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Valepine Business Capital connects you with lending partners; partners make credit decisions and set rates and terms. Valepine Business Capital is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Valepine Business Capital does not arrange personal, payday, auto title, mortgage or commercial real estate purchase loans, offers no grants, is not an SBA lender, does not take agriculture or trucking requests, and is located in Oshkosh, Wisconsin (not Oshkosh, Nebraska, and not affiliated with Oshkosh Corporation). Key facts: - Business type: small-business funding broker (not a lender) - Address: 138 Algoma Blvd, Oshkosh, WI 54901, United States - Phone: (920) 260-3974 - Apply: https://valepinebusinesscapital.com/apply/ - Service area: Oshkosh, WI; Omro, WI; Neenah, WI; Fond du Lac, WI; Chilton, WI; Ripon, WI; Berlin, WI and all of Winnebago County, Wisconsin - Language: English ## Funding options - [Six Funding Options for Oshkosh, WI Businesses](https://valepinebusinesscapital.com/business-loans/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, arranges six structures: working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. This page compares them by repayment, collateral and typical use so you can shortlist one or two before a lending partner reviews anything. - [Working Capital Financing for Oshkosh, WI Businesses: How It Works](https://valepinebusinesscapital.com/business-loans/working-capital/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, arranges working capital financing through lending partners: a lump sum for operating costs such as payroll, supplier bills or a deposit, repaid on a short fixed schedule. Partners review revenue, bank activity and existing debt, then decide and set the terms. - [Business Term Loans for Oshkosh, WI Businesses: How It Works](https://valepinebusinesscapital.com/business-loans/term-loans/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, arranges business term loans through lending partners: a single sum for a defined purpose such as a fit-out, an acquisition of assets or an expansion, repaid in regular installments over an agreed term. Partners underwrite the business and set rate, term and collateral. - [Business Lines of Credit for Oshkosh, WI Businesses: How It Works](https://valepinebusinesscapital.com/business-loans/line-of-credit/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, arranges business lines of credit through lending partners. A partner approves a limit; you draw against it when costs come due and pay down the balance as cash arrives. Partners set the limit, rate, draw period and any fees, and some will decline. - [Inventory Financing for Oshkosh, WI Businesses: How It Works](https://valepinebusinesscapital.com/business-loans/inventory-financing/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, arranges inventory financing through lending partners for retailers, wholesalers and other businesses that buy stock ahead of sales. The stock usually serves as collateral, recorded in a UCC filing. Partners decide whether to fund, how much of the stock value to advance, and the terms. - [Equipment Financing and Leasing for Oshkosh, WI Businesses: How It Works](https://valepinebusinesscapital.com/equipment-financing/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, arranges equipment financing and leasing through lending partners for new and used machines, contractor vehicles, kitchen equipment and clinical chairs. In most deals the machine itself is the collateral. Partners decide, set rates and terms, and may ask for a down payment. - [Merchant Cash Advances for Oshkosh, WI Businesses: How It Works](https://valepinebusinesscapital.com/merchant-cash-advance/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, explains and arranges merchant cash advances through funding partners. A merchant cash advance is not a loan: the funder buys a portion of future receipts for a lump sum now and collects an agreed total through a holdback on sales. Partners set the factor rate, holdback and terms. ## Industries - [Industry Financing for Winnebago County, WI Businesses](https://valepinebusinesscapital.com/industries/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, works with lending partners that cover construction, restaurants, medical and dental practices, and retail and inventory-heavy businesses. Each sector page pairs 2023 Census counts for Winnebago County, WI with the funding structures that usually fit. Partners make all credit decisions. - [Contractor and Construction Financing for Oshkosh, WI Businesses: How It Works](https://valepinebusinesscapital.com/industries/construction/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, helps contractors in Winnebago County, WI compare equipment financing for skid steers and mini excavators, working capital for payroll before a progress payment, and credit lines for materials. Winnebago County had 348 construction employers in 2023. Pricing and approval stay with the lending partners. - [Restaurant and Food Service Financing for Oshkosh, WI Businesses: How It Works](https://valepinebusinesscapital.com/industries/restaurants/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, helps restaurants, cafes and bars compare equipment financing for walk-in coolers, ranges and POS systems, lines of credit for supplier bills, and merchant cash advances, which are not loans. Winnebago County, WI had 384 food service employers in 2023. Lending partners decide. - [Medical and Dental Practice Financing for Oshkosh, WI Businesses: How It Works](https://valepinebusinesscapital.com/industries/medical-dental/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, helps medical, dental and chiropractic practices compare equipment financing, term loans for fit-outs and buy-ins, and working capital while insurance payments catch up. Winnebago County, WI had 334 ambulatory health care employers in 2023. Credit decisions belong to the lending partners. ## Guides and calculators - [Wisconsin Records Guides and Tools for Oshkosh, WI Owners](https://valepinebusinesscapital.com/resources/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, publishes practical guides for owners getting ready to request funding: a Wisconsin UCC lien search walkthrough, a zoning and building-code checklist for leases in Oshkosh, WI, a Winnebago County, WI help directory and a used equipment loan calculator. Each lending partner makes its own credit call on a Valepine request. - [Wisconsin UCC Search: Finding Liens Before You Apply for Funding](https://valepinebusinesscapital.com/resources/wisconsin-ucc-search/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, explains how to run a Wisconsin UCC search on your own business before you apply for funding. A UCC search shows financing statements that lenders, lessors and funders have filed against the business. Reading them first lets you explain or clear old filings before a lending partner reviews the request. - [Before You Lease in Oshkosh, WI: Zoning Map, Building Codes and the Funding Timeline](https://valepinebusinesscapital.com/resources/oshkosh-wi-zoning-and-building-codes-before-you-lease/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, lays out a tenant's checklist for leasing commercial space in Oshkosh, WI: confirm the zoning allows your use, ask the building questions that drive fit-out cost, and line the funding timeline up with the lease. Code and zoning requirements come from the city; lending partners make credit decisions. - [Small Business Help in Oshkosh, WI and Winnebago County, WI](https://valepinebusinesscapital.com/resources/oshkosh-and-winnebago-county-small-business-resources/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, lists the kinds of free help available to owners in Oshkosh and Winnebago County, WI: small business development advisers, a chamber of commerce, county economic development and a women's business program. Valepine is not affiliated with any of them, and lending partners make all credit decisions. - [Used Equipment Loan Calculator for Winnebago County, WI Businesses](https://valepinebusinesscapital.com/resources/used-equipment-loan-calculator/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, offers this used equipment loan calculator. Enter a machine's price, your down payment, an assumed rate and a term to see the monthly payment and the total cost including the down payment. Results are arithmetic, not offers; lending partners set actual terms. ## Areas served - [Oshkosh, WI Business Funding: Winnebago County, WI Facts, Contacts and Next Steps](https://valepinebusinesscapital.com/oshkosh-wi/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, works from 138 Algoma Blvd in ZIP 54901. This page sets out Census figures for that ZIP and for Winnebago County, WI, what they suggest about local funding needs, and where to go next. Valepine is a broker, not a lender; lending partners decide. - [Towns Served From Oshkosh, WI Across Winnebago County, WI and Nearby Counties](https://valepinebusinesscapital.com/service-areas/): Towns served from Oshkosh, WI across Winnebago, Fond du Lac, Calumet, Green Lake and Waushara counties, with ZIP-labelled Census figures for each. - [Funding Options for Omro, WI Businesses Near Oshkosh, WI](https://valepinebusinesscapital.com/service-areas/omro-wi/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, works with owners in Omro, WI, ten miles west in Winnebago County, WI. ZIP 54963 had 127 employer establishments in 2023, and construction was the largest sector. Valepine explains six funding structures; lending partners make every credit decision. - [Funding Options for Neenah, WI Businesses Near Oshkosh, WI](https://valepinebusinesscapital.com/service-areas/neenah-wi/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, works with owners in Neenah, WI, in the north of Winnebago County, WI. ZIP 54956 had 1,079 employer establishments and 29,088 employees in 2023. Valepine explains six funding structures and routes requests; lending partners decide and set the terms. - [Funding Options for Fond du Lac, WI Businesses Near Oshkosh, WI](https://valepinebusinesscapital.com/service-areas/fond-du-lac-wi/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, works with owners in Fond du Lac, WI, in Fond du Lac County, WI. ZIP 54935 had 947 employer establishments in 2023, led by retail. Valepine explains six funding structures and routes requests; lending partners make the credit decisions. - [Funding Options for Chilton, WI Businesses Near Oshkosh, WI](https://valepinebusinesscapital.com/service-areas/chilton-wi/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, works with owners in Chilton, WI, in Calumet County, WI. ZIP 53014 had 204 employer establishments in 2023, with health care and small contractors prominent. Valepine explains six funding structures; lending partners make every credit decision. - [Funding Options for Ripon, WI Businesses Near Oshkosh, WI](https://valepinebusinesscapital.com/service-areas/ripon-wi/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, works with owners in Ripon, WI, in Fond du Lac County, WI. ZIP 54971 had 262 employer establishments in 2023, with retail, health care and food service the largest sectors. Valepine explains six structures; lending partners decide and set terms. - [Funding Options for Berlin, WI Businesses Near Oshkosh, WI](https://valepinebusinesscapital.com/service-areas/berlin-wi/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, works with owners in Berlin, WI, a city in Green Lake County, WI and Waushara County, WI. ZIP 54923 had 202 employer establishments in 2023, and 57.4% had fewer than five employees. Each credit decision sits with a lending partner. ## Company - [Valepine Business Capital: Funding Broker for Oshkosh, WI and Winnebago County, WI](https://valepinebusinesscapital.com/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, helps owners compare working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances before a request goes out. Valepine Business Capital is a broker, not a lender: lending partners review each request and set any rates and terms. - [What Happens After You Contact Valepine in Oshkosh, WI](https://valepinebusinesscapital.com/how-it-works/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, works in four steps: a first call about what the money must pay for, a match to one of six structures, review by a lending partner that offers that structure, and your decision on any offer. Partners underwrite, set rates and terms, and may decline. - [Oshkosh, WI Owners' Funding Questions](https://valepinebusinesscapital.com/faq/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, answers the questions owners ask most: how business funding may be used, what Valepine does and does not arrange, how a merchant cash advance differs from a loan, and how to reach Valepine Business Capital. Each lending partner makes its own credit call on a Valepine request. - [About Valepine Business Capital, Oshkosh, WI](https://valepinebusinesscapital.com/about/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, is a broker, not a lender. From 138 Algoma Blvd, Valepine helps owners in Winnebago County, WI and nearby counties compare six funding structures and sends each request to lending partners that offer that structure. Partners make every credit decision. - [Contact Valepine Business Capital in Oshkosh, WI](https://valepinebusinesscapital.com/contact/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, can be reached at (920) 260-3974 or at 138 Algoma Blvd, Oshkosh, WI 54901. Call with a funding question or send the short request form for a callback. Valepine is a broker, not a lender; lending partners make credit decisions. - [Request Funding Options in Oshkosh, WI](https://valepinebusinesscapital.com/apply/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, keeps its request form short: full name, email, phone and business name, ranges for time in business, annual revenue and amount requested, and a consent checkbox. Valepine then calls to discuss what the funding is for and which structures fit. Each lending partner makes its own credit call on a Valepine request. - [Broker Disclosures for Valepine Business Capital, Oshkosh, WI](https://valepinebusinesscapital.com/disclosures/): Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, is a broker, not a lender. Valepine does not make credit decisions, set rates or terms, or fund any request. Whether an offer is made, and its terms, is each partner's call. A merchant cash advance is not a loan. ## Optional - [Full text of every page](https://valepinebusinesscapital.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://valepinebusinesscapital.com/sitemap.xml)