# Valleypine Credit > Valleypine Credit is a small-business funding broker at 315 W Broadway St, Frankfort, KY 40601 (phone (502) 280-8286). It helps businesses in Frankfort, KY and across Franklin County, Kentucky, explore business lines of credit, equipment financing and leasing, business term loans, working capital loans, inventory financing, and merchant cash advances. Valleypine Credit passes business funding requests to funding partners; the partner that reviews a request makes its own credit decision and sets any price and terms. Valleypine Credit is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Valleypine Credit does not arrange personal, payday, auto title, mortgage, startup or SBA loans, does not offer grants, and does not arrange funding for trucking companies or agriculture. Key facts: - Business type: small-business funding broker (not a lender) - Address: 315 W Broadway St, Frankfort, KY 40601, United States - Phone: (502) 280-8286 - Apply: https://valleypinecredit.com/apply/ - Service area: Frankfort, KY and all of Franklin County, Kentucky - Language: English ## Funding options - [Compare Types of Business Loans in Frankfort, KY: From Food Costs to Exam-Room Equipment](https://valleypinecredit.com/business-loans/): This page sets out the six funding types Valleypine Credit compares for Frankfort, Kentucky owners, how each one is secured, and how the money goes back. Funding partners set the actual terms of any offer. - [Frankfort, KY Working Capital Loans: Fuel Inventory, Insurance Lags and Payroll](https://valleypinecredit.com/business-loans/working-capital/): Valleypine Credit helps Frankfort, Kentucky owners request working capital from funding partners for the gap between paying costs and collecting income. Partners decide on amounts, pricing and terms. - [Business Term Loans for Frankfort, KY Businesses: Expansions and Producer Hiring](https://valleypinecredit.com/business-loans/term-loans/): Valleypine Credit sends Frankfort, Kentucky term-loan requests to funding partners, who review each one and set any amount, rate and term. This page shows where a term loan fits and what a partner reads. - [Business Line of Credit in Frankfort, KY: Draws for Book Purchases and Food Costs](https://valleypinecredit.com/business-loans/line-of-credit/): Valleypine Credit helps Frankfort, Kentucky businesses request lines of credit from funding partners. A partner sets the limit, the rate and the renewal terms; this page explains how draws and paydowns work. - [Inventory Financing in Frankfort, KY: Bulk Food Buys and Medical Supplies](https://valleypinecredit.com/business-loans/inventory-financing/): Valleypine Credit helps Frankfort, Kentucky owners request inventory financing from funding partners for stock bought ahead of sales. Partners decide whether and how to lend against the goods. - [Frankfort, KY Equipment Financing: Scan Tools, POS Systems and Skid Steers](https://valleypinecredit.com/equipment-financing/): Valleypine Credit helps Frankfort, Kentucky businesses request equipment loans and leases from funding partners. Partners set the term, the rate and any down payment; this page shows how different purchases are usually structured. - [Merchant Cash Advance for Frankfort, KY Businesses: Card-Sales Advances for Repair Shops](https://valleypinecredit.com/merchant-cash-advance/): For Frankfort, Kentucky firms whose sales settle by card, Valleypine Credit lays out how merchant cash advances work. An advance is a sale of future receipts, not a loan, and this page sets it beside loan options so the total cost can be compared. ## Industries - [Franklin County, KY Industry Loans, From Repair Shops to Physician Practices](https://valleypinecredit.com/industries/): Any trade in or near Frankfort, Kentucky other than trucking or agriculture can bring a request to Valleypine Credit. This hub links eight industry pages and adds notes, built on Census counts, about other Franklin County, KY trades. - [Frankfort, KY Construction Business Loans: Payroll on Long Jobs](https://valleypinecredit.com/industries/construction/): Valleypine Credit helps Frankfort, Kentucky contractors request working capital, lines of credit and equipment financing from funding partners. Of the 73 Franklin County, KY construction employers in the 2023 count, 60.3% ran with a staff under five. - [Business Loans for Retail in Frankfort, KY: Seasonal Stock and Store Fixtures](https://valleypinecredit.com/industries/retail/): Valleypine Credit helps Frankfort, Kentucky retailers request inventory financing, lines of credit and equipment financing from funding partners. Franklin County, KY had 197 retail employer establishments in 2023, the most of any sector. - [Restaurant Loans Across Franklin County, KY: Dining-Room Remodels and Fryers](https://valleypinecredit.com/industries/restaurants/): Valleypine Credit helps Frankfort, Kentucky restaurants request equipment financing, lines of credit and working capital from funding partners. Census County Business Patterns tallied 100 eating places with employees across Franklin County, KY for 2023. - [Medical Practice Loans in Frankfort, KY: Diagnostic Equipment](https://valleypinecredit.com/industries/medical-practices/): Valleypine Credit helps Frankfort, Kentucky physician practices request equipment financing, working capital and term loans from funding partners. Offices of physicians in Franklin County, KY paid $40.1 million in wages in 2023. - [Frankfort, KY Auto Repair Shop Loans: Two-Post Lifts and Bay Expansions](https://valleypinecredit.com/industries/auto-repair/): Valleypine Credit helps Frankfort, Kentucky repair shops request equipment financing, lines of credit and term loans from funding partners. Franklin County, KY had 25 auto repair employer establishments in 2023, 14 with fewer than five employees. - [Gas Station Loans for Frankfort, KY Station and C-Store Owners: Fuel Dispensers](https://valleypinecredit.com/industries/gas-stations-convenience-stores/): Valleypine Credit helps Frankfort, Kentucky station and c-store owners request equipment financing, working capital and term loans from funding partners. The 2023 Census count shows 31 gasoline stations with employees in Franklin County, KY. - [Chiropractic Practice Loans in Frankfort, KY: Insurance Lags](https://valleypinecredit.com/industries/chiropractors-and-therapists/): Valleypine Credit helps Frankfort, Kentucky chiropractic and therapy offices request equipment financing and working capital from funding partners. The 2023 County Business Patterns file lists 30 such offices with staff in Franklin County, KY. - [Insurance Agency Loans in Frankfort, KY: Book Purchases](https://valleypinecredit.com/industries/insurance-agencies/): Valleypine Credit helps Frankfort, Kentucky insurance agencies request term loans, lines of credit and equipment financing from funding partners. Franklin County, KY counted 22 insurance agencies and brokerages in 2023 (County Business Patterns). ## Guides and calculators - [Franklin County, KY Permits, Filings and a Calculator for Contractors](https://valleypinecredit.com/resources/): Guides from Valleypine Credit in Frankfort, Kentucky on zoning and permits, occupational license fees and the Kentucky ABC license, plus a calculator for what a monthly payment can borrow. - [Frankfort, KY Zoning Map and Planning Steps Before a Franklin County, KY Build-Out](https://valleypinecredit.com/resources/frankfort-ky-planning-and-zoning/): A guide from Valleypine Credit in Frankfort, Kentucky to the city and county planning offices, maps and permit applications. Rules change; confirm every requirement with the office named. - [Kentucky ABC License Application: Steps for Franklin County, KY Restaurant Owners](https://valleypinecredit.com/resources/kentucky-abc-license-for-restaurants-and-stores/): A guide from Valleypine Credit in Frankfort, Kentucky to the Kentucky ABC license process as the state and Franklin County describe it online. License law is for counsel; confirm every step with the ABC and the local administrator. - [Frankfort, KY Occupational Tax: What Franklin County, KY Retailers File Before Opening](https://valleypinecredit.com/resources/frankfort-and-franklin-county-ky-occupational-license/): A guide from Valleypine Credit in Frankfort, Kentucky to the city and county occupational license fees, as each office describes them online, and where the filings fit in a funding request. - [Business Loan Calculator How Much Can I Borrow for Frankfort, KY Restaurant Owners](https://valleypinecredit.com/resources/how-much-can-i-borrow-business-loan-calculator/): This calculator from Valleypine Credit in Frankfort, Kentucky turns an amount, a rate and a term into a monthly payment. It is arithmetic on your numbers, not an offer; funding partners set real amounts, rates and terms. ## Areas served - [Frankfort, KY Business Loans: Census Counts for Restaurant Owners and Shopkeepers](https://valleypinecredit.com/frankfort-ky/): This page gathers Census business counts for Frankfort, Kentucky and Franklin County, the questions lenders ask local trades, and the city and county offices behind licenses and permits. - [Franklin County, KY Business Funding Coverage for Station and C-Store Owners](https://valleypinecredit.com/service-areas/): Owners throughout Franklin County and the counties around it can bring funding requests to Valleypine Credit in Frankfort, Kentucky. Frankfort has its own page; other places are covered here. ## Company - [Business Financing in Frankfort, KY: Physician Practices, Repair Shops and Retailers](https://valleypinecredit.com/): Valleypine Credit, based in Frankfort, Kentucky, prepares business funding requests and sends them to funding partners. Each request begins with the bill or the purchase and the date the income behind it is due; one or two funding types are shortlisted from there, and the partner reviewing the request decides on approval, price and terms. - [Steps to Get a Business Loan in Frankfort, KY: A Restaurant Owner's Walk-Through](https://valleypinecredit.com/how-it-works/): This page follows a Frankfort, Kentucky funding request from the first call to Valleypine Credit through a funding partner's review. The partner sets every term; the owner decides whether to accept. - [Franklin County, KY Business Funding FAQ: Claim Delays and Parts Inventory](https://valleypinecredit.com/faq/): Answers from Valleypine Credit in Frankfort, Kentucky to common funding questions. Funding partners set actual terms; these answers explain how each type generally works. - [About Valleypine Credit: Frankfort, KY Funding Requests From Physician Practices](https://valleypinecredit.com/about/): Valleypine Credit helps Franklin County, Kentucky owners describe an expense, narrows six funding types to the ones that fit, and sends the request to funding partners, who make every credit decision. - [Contact Valleypine Credit: Business Loans for Frankfort, KY Chiropractors and Therapists](https://valleypinecredit.com/contact/): Valleypine Credit can be reached at (502) 280-8286 or through the online form. No email address is published. - [Request Business Financing in Frankfort, KY for Claim Delays](https://valleypinecredit.com/apply/): Owners in and around Frankfort, Kentucky open a funding request with Valleypine Credit on this page. Beyond name, phone, email and a company name if there is one, the form takes three range answers (years operating, yearly revenue, dollars sought) and a required consent checkbox to read and check before sending. - [Disclosures for Valleypine Credit, Frankfort, KY](https://valleypinecredit.com/disclosures/): Valleypine Credit in Frankfort, Kentucky is a small-business funding broker, not a lender. ## Optional - [Full text of every page](https://valleypinecredit.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://valleypinecredit.com/sitemap.xml)