# Larkpine Lending Group > Larkpine Lending Group is a small-business funding broker at 44 S Dubuque St, Iowa City, IA 52242 (phone (319) 422-3259). It helps businesses in Iowa City, IA; Coralville, IA; Tiffin, IA; North Liberty, IA; Solon, IA; Kalona, IA; West Liberty, IA and across Johnson County, Iowa, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Larkpine Lending Group connects you with lending partners; partners make credit decisions and set rates and terms. Larkpine Lending Group is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Larkpine Lending Group does not arrange personal, payday, auto title, mortgage or SBA loans, does not offer grants, and does not target startup, trucking or bad-credit funding. Key facts: - Business type: small-business funding broker (not a lender) - Address: 44 S Dubuque St, Iowa City, IA 52242, United States - Phone: (319) 422-3259 - Apply: https://larkpinelendinggroup.com/apply/ - Service area: Iowa City, IA; Coralville, IA; Tiffin, IA; North Liberty, IA; Solon, IA; Kalona, IA; West Liberty, IA and all of Johnson County, Iowa - Language: English ## Funding options - [Compare Business Funding Options in Iowa City, Iowa](https://larkpinelendinggroup.com/business-loans/): Larkpine Lending Group, an Iowa City, IA small-business funding service, compares six structures on this page: working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. Each is described by repayment pattern, typical uses and what funding partners usually review before deciding. - [Working Capital Loans for Iowa City, IA Businesses](https://larkpinelendinggroup.com/business-loans/working-capital/): Larkpine Lending Group, a small-business funding service in Iowa City, IA, explains working capital loans: short-term funding for payroll, rent and supplier bills while receivables are outstanding. The page covers payroll use, how amounts are sized, short-term versus long-term use and what funding partners review before deciding. - [Business Term Loans for Iowa City, IA Businesses](https://larkpinelendinggroup.com/business-loans/term-loans/): Larkpine Lending Group, an Iowa City, IA small-business funding service, explains business term loans: one lump sum repaid on a fixed schedule for expansions, second locations, renovations and business acquisitions. The page covers expansion loan requirements, renovation budgets and what funding partners review before they decide. - [Business Lines of Credit for Iowa City, IA Businesses](https://larkpinelendinggroup.com/business-loans/line-of-credit/): Larkpine Lending Group, a small-business funding service in Iowa City, IA, explains business lines of credit: revolving limits drawn for recurring gaps and repaid as cash comes in. The page covers how a line works, what it can pay for, uneven months, collateral, qualification and what funding partners review. - [Inventory Financing for Iowa City, IA Businesses](https://larkpinelendinggroup.com/business-loans/inventory-financing/): Larkpine Lending Group, an Iowa City, IA small-business funding service, explains inventory financing: money for stock you will resell, usually secured by that stock. The page covers how it works, buying ahead of demand, turnover and carrying-cost arithmetic, and what funding partners review before they decide. - [Equipment Financing and Leasing for Iowa City, IA Businesses](https://larkpinelendinggroup.com/equipment-financing/): Larkpine Lending Group, a small-business funding service in Iowa City, IA, explains equipment financing and leasing: loans and leases secured by the equipment they buy. The page covers used equipment, restaurant and contractor equipment, leasing versus buying, typical terms and what partners want to see on a quote. - [Merchant Cash Advances for Iowa City, IA Businesses](https://larkpinelendinggroup.com/merchant-cash-advance/): Larkpine Lending Group, an Iowa City, IA small-business funding service, explains merchant cash advances: purchases of future card or bank receipts, not loans. The page covers how an advance works, factor rates and holdbacks, credit reporting, how the total cost adds up and when another structure may fit better. ## Industries - [Business Funding by Industry in Iowa City, IA](https://larkpinelendinggroup.com/industries/): Larkpine Lending Group, an Iowa City, IA small-business funding service, groups 40 local business types on this page, with Johnson County employer counts from Census County Business Patterns 2023. Fourteen have their own pages; each other note points to the funding structure that usually fits, such as working capital or equipment financing. - [Funding Options for Iowa City, IA Contractors and Builders](https://larkpinelendinggroup.com/industries/construction/): Larkpine Lending Group, an Iowa City, IA small-business funding service, explains funding for contractors and builders: lines of credit and working capital for materials and crews between draws, equipment financing for trucks and machines, and how retainage affects cash flow. Johnson County construction figures come from Census County Business Patterns 2023. - [Funding Options for Iowa City, IA Retailers](https://larkpinelendinggroup.com/industries/retail/): Larkpine Lending Group, a small-business funding service in Iowa City, IA, explains funding for retailers: inventory financing for stock bought ahead of sales, lines of credit for uneven months, equipment financing for fixtures and point-of-sale systems, and cash-flow steps. Johnson County retail counts come from Census County Business Patterns 2023. - [Funding Options for Iowa City, IA Restaurants](https://larkpinelendinggroup.com/industries/restaurants/): Larkpine Lending Group, an Iowa City, IA small-business funding service, explains restaurant funding: equipment financing for kitchens, term loans for renovations and commercial kitchen remodels, working capital for payroll and food costs, and where merchant cash advances fit. Johnson County restaurant counts come from Census County Business Patterns 2023. - [Funding Options for Iowa City, IA Chiropractic, Therapy and Optometry Practices](https://larkpinelendinggroup.com/industries/chiropractors-and-therapists/): Larkpine Lending Group, an Iowa City, IA small-business funding service, explains funding for chiropractic, physical therapy and optometry practices: equipment financing for tables, rehab and exam equipment, term loans to open or buy a practice, and working capital while insurance claims pay. Johnson County counts come from Census County Business Patterns 2023. - [Funding Options for Iowa City, IA Daycare and Child Care Centers](https://larkpinelendinggroup.com/industries/child-care/): Larkpine Lending Group, a small-business funding service in Iowa City, IA, explains funding for daycare and child care centers: working capital for payroll, term loans for facility improvements and expansions, and daycare equipment financing for vans, furniture and playground equipment. Johnson County child care counts come from Census County Business Patterns 2023. - [Funding Options for Iowa City, IA Physician Practices](https://larkpinelendinggroup.com/industries/medical-practices/): Larkpine Lending Group, a small-business funding service in Iowa City, IA, explains funding for physician practices: working capital and lines of credit while claims pay, equipment financing for diagnostic and exam equipment, and term loans for opening a private practice. Johnson County physician office counts come from Census County Business Patterns 2023. - [Funding Options for Iowa City, IA Auto Repair Shops](https://larkpinelendinggroup.com/industries/auto-repair/): Larkpine Lending Group, an Iowa City, IA small-business funding service, explains auto repair shop financing: equipment loans for lifts, alignment machines and diagnostic tools, inventory financing for parts, working capital for payroll and fleet receivables, and buying an existing mechanic shop. Johnson County counts come from Census County Business Patterns 2023. - [Funding Options for Iowa City, IA Insurance Agencies](https://larkpinelendinggroup.com/industries/insurance-agencies/): Larkpine Lending Group, an Iowa City, IA small-business funding service, explains insurance agency financing: acquisition loans for buying a book of business or another agency, working capital for hiring producers, and lines of credit for commission timing. It covers how acquisition financing works and what partners review. Johnson County counts come from Census County Business Patterns 2023. - [Funding Options for Iowa City, IA Landscaping and Lawn Care Companies](https://larkpinelendinggroup.com/industries/landscaping/): Larkpine Lending Group, a small-business funding service in Iowa City, IA, explains funding for landscaping and lawn care companies: equipment financing for mowers, trucks and trailers, lines of credit for crew payroll and materials, and buying an existing route. Johnson County landscaping counts come from Census County Business Patterns 2023. - [Funding Options for Iowa City, IA Salons and Barber Shops](https://larkpinelendinggroup.com/industries/salons/): Larkpine Lending Group, an Iowa City, IA small-business funding service, explains funding for hair salons, nail salons and barber shops: equipment financing for chairs, stations and pedicure units, term loans for build-outs and purchases, working capital for product and payroll, and the cost of merchant cash advances. Johnson County salon counts come from Census statistics. - [Funding Options for Iowa City, IA Dental Practices](https://larkpinelendinggroup.com/industries/dental-practices/): Larkpine Lending Group, an Iowa City, IA small-business funding service, explains dental practice loans: acquisition loans for buying a practice, term loans and equipment financing for opening or expanding, and working capital for payroll. A dental office loan calculator is linked, and Johnson County dental counts come from Census County Business Patterns 2023. - [Funding Options for Iowa City, IA Law Firms](https://larkpinelendinggroup.com/industries/law-firms/): Larkpine Lending Group, a small-business funding service in Iowa City, IA, explains law firm financing: lines of credit and working capital for billing gaps and case costs, term loans for office moves and partner buy-ins, and what funding partners review. Johnson County legal services counts come from Census County Business Patterns 2023. - [Funding Options for Iowa City, IA Coffee Shops and Cafes](https://larkpinelendinggroup.com/industries/coffee-shops/): Larkpine Lending Group, a small-business funding service in Iowa City, IA, explains coffee shop funding: espresso machine and equipment financing, build-out loans, working capital for payroll, and how card-heavy cafes should weigh merchant cash advances. Johnson County cafe counts come from Census County Business Patterns 2023. - [Funding Options for Iowa City, IA Gas Stations and Convenience Stores](https://larkpinelendinggroup.com/industries/gas-stations-convenience-stores/): Larkpine Lending Group, an Iowa City, IA small-business funding service, explains funding for gas stations and convenience stores: inventory financing for store stock, term loans for buying or remodeling a station, equipment financing for coolers and dispensers, and gas station loan requirements partners review. Johnson County counts come from Census County Business Patterns 2023. ## Guides and calculators - [Business Funding Guides and Tools for Iowa City, IA Owners](https://larkpinelendinggroup.com/resources/): Larkpine Lending Group, a small-business funding service in Iowa City, IA, collects plain guides here: planning cash around Johnson County local option sales tax, registering an Iowa trade name, Iowa City zoning and building code steps before a lease or remodel, and a dental office loan payment calculator. - [Local Option Sales Tax in Johnson County, Iowa: A Cash-Flow Checklist for Iowa City, IA Retailers and Restaurants](https://larkpinelendinggroup.com/resources/johnson-county-iowa-local-option-sales-tax/): Larkpine Lending Group, an Iowa City, IA small-business funding service, offers a cash-flow checklist for Johnson County retailers and restaurants that collect local option sales tax: separating collected tax from operating cash, timing remittances, where to look up the rate that applies, and when a credit line helps. Treat it as cash planning, not tax advice. - [Registering a Trade Name in Iowa Before You Apply for Funding (Iowa City, IA)](https://larkpinelendinggroup.com/resources/iowa-trade-name-registration/): Larkpine Lending Group, an Iowa City, IA small-business funding service, explains why Iowa trade name registration matters in a funding request: matching the name on your sign, bank account, card processing and application, checking business name availability, and what partners look for. Filing details are confirmed with the state and county, not stated here. - [Iowa City, IA Zoning Map and Building Code Steps Before a Lease or Remodel](https://larkpinelendinggroup.com/resources/iowa-city-zoning-and-building-code/): Larkpine Lending Group, an Iowa City, IA small-business funding service, lists steps owners take before a lease or remodel: checking the Iowa City zoning map, confirming the parcel is inside city limits, asking the building department about permits and code review, and turning the result into a budget a funding partner can review. - [Dental Office Loan Calculator for Iowa City, IA Practices](https://larkpinelendinggroup.com/resources/dental-office-loan-calculator/): Larkpine Lending Group, an Iowa City, IA small-business funding service, offers a dental office loan calculator: enter an amount, a term and a quoted annual rate to see the monthly payment and total repaid for a fixed-payment loan, useful for practice purchases, operatory equipment and remodels. It shows arithmetic, not offers. ## Areas served - [Business Funding in Iowa City, Iowa: Johnson County, IA Business Facts and Resources](https://larkpinelendinggroup.com/iowa-city-ia/): Larkpine Lending Group, a small-business funding service in Iowa City, IA, gathers Johnson County business data on this page: employer and nonemployer counts, the largest sectors, self-employment, housing permits, and local license, sales tax and zoning steps that come up when owners in Iowa City, Iowa request funding. - [Areas Served Around Iowa City, IA](https://larkpinelendinggroup.com/service-areas/): Larkpine Lending Group, an Iowa City, IA small-business funding service, takes requests by phone and online from towns around Iowa City, Iowa. Coralville, North Liberty, Tiffin, Solon, Kalona and West Liberty have their own pages with ZIP figures; other nearby cities and communities are listed on this page. - [Business Financing for Coralville, Iowa Businesses](https://larkpinelendinggroup.com/service-areas/coralville-ia/): Larkpine Lending Group, an Iowa City, IA small-business funding service, takes requests from Coralville, IA by phone and online. This page gives ZIP 52241 employer counts by sector from ZIP Code Business Patterns 2023, explains how the ZIP differs from the town, and notes which funding structures fit the local business mix. - [Business Financing for Tiffin, Iowa Businesses](https://larkpinelendinggroup.com/service-areas/tiffin-ia/): Larkpine Lending Group, an Iowa City, IA small-business funding service, takes requests from Tiffin, IA by phone and online. This page gives ZIP 52340 employer counts by sector from ZIP Code Business Patterns 2023, explains how the ZIP differs from the town, and notes which funding structures fit the local business mix. - [Business Financing for North Liberty, Iowa Businesses](https://larkpinelendinggroup.com/service-areas/north-liberty-ia/): Larkpine Lending Group, an Iowa City, IA small-business funding service, takes requests from North Liberty, IA by phone and online. This page gives ZIP 52317 employer counts by sector from ZIP Code Business Patterns 2023, explains how the ZIP differs from the town, and notes which funding structures fit the local business mix. - [Business Financing for Solon, Iowa Businesses](https://larkpinelendinggroup.com/service-areas/solon-ia/): Larkpine Lending Group, an Iowa City, IA small-business funding service, takes requests from Solon, IA by phone and online. This page gives ZIP 52333 employer counts by sector from ZIP Code Business Patterns 2023, explains how the ZIP differs from the town, and notes which funding structures fit the local business mix. - [Business Financing for Kalona, Iowa Businesses](https://larkpinelendinggroup.com/service-areas/kalona-ia/): Larkpine Lending Group, an Iowa City, IA small-business funding service, takes requests from Kalona, IA by phone and online. This page gives ZIP 52247 employer counts by sector from ZIP Code Business Patterns 2023, explains how the ZIP differs from the town, and notes which funding structures fit the local business mix. - [Business Financing for West Liberty, Iowa Businesses](https://larkpinelendinggroup.com/service-areas/west-liberty-ia/): Larkpine Lending Group, an Iowa City, IA small-business funding service, takes requests from West Liberty, IA by phone and online. This page gives ZIP 52776 employer counts by sector from ZIP Code Business Patterns 2023, explains how the ZIP differs from the town, and notes which funding structures fit the local business mix. ## Company - [Iowa City, Iowa Business Funding: Compare Your Options](https://larkpinelendinggroup.com/): Larkpine Lending Group is an Iowa City, IA funding service for small businesses. It explains six funding structures by purpose, takes requests by phone and online form, and passes each one to funding partners who review it, decide and set any rates and terms, so the owner can compare offers. - [How Business Funding Works in Iowa City, IA: From First Call to Offer](https://larkpinelendinggroup.com/how-it-works/): Larkpine Lending Group, an Iowa City, IA small-business funding service, explains its four-step process: the first call about purpose, the basics and documents partners usually request, the partner's review and decision, and how the owner compares any offer. It also covers bank statements, timing and what partners look for. - [Business Funding Questions From Iowa City, IA Owners](https://larkpinelendinggroup.com/faq/): Larkpine Lending Group, an Iowa City, IA small-business funding service, answers owner questions on this page: whether equipment financing is a loan, tax treatment, credit-line effects on credit, merchant cash advances, business bank accounts, what the form asks and who makes funding decisions. - [About Larkpine Lending Group in Iowa City, IA](https://larkpinelendinggroup.com/about/): Larkpine Lending Group is an Iowa City, IA small-business funding service that handles requests by phone and form. It explains six funding structures by purpose, takes requests by phone and online form, and places each request with funding partners who review it and decide. Owners compare any offer and choose whether to accept. - [Contact Larkpine Lending Group in Iowa City, IA](https://larkpinelendinggroup.com/contact/): Larkpine Lending Group, a small-business funding service in Iowa City, IA, can be reached by phone or through the online request form. This page lists the phone number and address, explains what to have ready for the first call and what happens after a request is sent. - [Request Business Funding Options in Iowa City, IA](https://larkpinelendinggroup.com/apply/): Larkpine Lending Group, an Iowa City, IA small-business funding service, takes funding requests through this form: full name, phone, email, optional company name, three required picks for time in business, annual revenue range and requested amount range, and consent. A call follows before any partner sees the request. - [Disclosures for Larkpine Lending Group, Iowa City, IA](https://larkpinelendinggroup.com/disclosures/): Larkpine Lending Group, based in Iowa City, IA, sets out its role on this page: it matches requests with funding partners, who review them and make their own decisions on credit, rates and terms. The page also covers merchant cash advances, no promised outcomes, tax and legal advice, and the public data cited on the site. ## Optional - [Full text of every page](https://larkpinelendinggroup.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://larkpinelendinggroup.com/sitemap.xml)