Valeshire Financial does not lend money. It is a funding broker in Adrian, MI that passes business funding requests to independent funding partners, and those partners decide whether to make an offer. These disclosures cover that role, merchant cash advances, and the figures and examples used across this site.
Valeshire Financial is a broker, not a lender. Funding partners review requests, set every term and decide on any offer. A merchant cash advance is not a loan. Census figures carry their source and year, and illustrations use invented numbers.
Valeshire Financial's role: a broker that passes requests on
Valeshire Financial is a broker, not a lender. It talks a cost over with the owner, sends the request to funding partners and answers questions along the way. It does not lend its own money, approve or decline requests, or set rates, terms or amounts.
Who writes an offer, and who can say no to it
Each funding partner reviews a request under its own standards and may decline it. A partner that makes an offer sets the amount, rate, fees, term and collateral in writing. The business can accept or refuse any offer, and reading the full agreement, total cost included, before signing protects it.
Card-sales advances: the one product here that is not a loan
A merchant cash advance is not a loan. A provider buys part of a business's future card or bank sales at a discount and collects an agreed share of those sales until the purchased amount has been collected. Its cost is stated as a factor rather than an annual rate, so the two numbers cannot be lined up directly.
Census counts, ZIP counts and invented figures on these pages
Counts of businesses, employees and payroll come from U.S. Census Bureau programs, mainly County Business Patterns for Lenawee County, MI, ZIP Code Business Patterns for ZIP 49221 and Nonemployer Statistics, each labeled with its year; counts of new housing units come from the Building Permits Survey. ZIP figures describe a ZIP Code area, not the city of Adrian. Any amount, rate or payment marked as an illustration is invented to show the arithmetic and is neither an offer nor a quote.
Payment figures from the calculators
The calculators on this site turn an amount, an annual rate and a term into a level payment. They know nothing of a partner's rate, fees or collateral terms, so each result is an estimate rather than an offer.
Calling the Adrian, MI office about these disclosures
Anything on this page can be asked about on (517) 500-5442.
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