# Clayridge Lending > Clayridge Lending is a small-business funding broker at 109 E Broadway Ave, Enid, OK 73701 (phone (580) 205-2613). It helps businesses in Enid, OK; Hennessey, OK and across Garfield County, Oklahoma, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Clayridge Lending connects you with lending partners; partners make credit decisions and set rates and terms. Clayridge Lending is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Clayridge Lending does not arrange personal, payday, auto title, mortgage or SBA loans, does not offer grants, does not lend its own money, and does not arrange startup or trucking funding. Key facts: - Business type: small-business funding broker (not a lender) - Address: 109 E Broadway Ave, Enid, OK 73701, United States - Phone: (580) 205-2613 - Apply: https://clayridgelending.com/apply/ - Service area: Enid, OK; Hennessey, OK and all of Garfield County, Oklahoma - Language: English ## Funding options - [Compare Business Funding Options in Enid, Oklahoma](https://clayridgelending.com/business-loans/): Clayridge Lending compares six kinds of business funding for owners in Enid, OK: working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. This page sets them side by side by repayment, typical use and collateral, and points each money purpose to the right section. - [Working Capital Loans for Enid, OK Owners](https://clayridgelending.com/business-loans/working-capital/): Clayridge Lending explains working capital loans for owners in Enid, OK: using them for payroll, supplier bills and slow receivables, how partners size the amount from deposits, and when a line of credit or a merchant cash advance is the closer fit. Each request is decided by the funding partner that reviews it. - [Business Term Loans for Enid, OK Owners](https://clayridgelending.com/business-loans/term-loans/): Clayridge Lending explains business term loans for owners in Enid, OK: using them to expand, open a second location, renovate, repair or buy an existing business, how the schedule works, and what funding partners review before they decide. Partners set any rate and term. - [Business Lines of Credit for Enid, OK Owners](https://clayridgelending.com/business-loans/line-of-credit/): Clayridge Lending explains business lines of credit for owners in Enid, OK: how a revolving limit works, using it for tax payments, recurring payables and uneven months, whether collateral is needed, and what funding partners look at to qualify a business. Partners set the limit and pricing. - [Inventory Financing for Enid, OK Owners](https://clayridgelending.com/business-loans/inventory-financing/): Clayridge Lending explains inventory financing for owners in Enid, OK: how stock-secured funding works, buying ahead of demand, calculating inventory turnover and carrying cost, and what funding partners review. Examples draw on Garfield County, OK retail counts from the Census Bureau. - [Equipment Financing and Leasing for Enid, OK Owners](https://clayridgelending.com/equipment-financing/): Clayridge Lending explains equipment financing and leasing for owners in Enid, OK: loans versus leases, used equipment, restaurant and contractor gear, and what funding partners need to see on a vendor quote. Partners review each request and set any terms; examples are illustrative. - [Merchant Cash Advances for Enid, OK Owners](https://clayridgelending.com/merchant-cash-advance/): Clayridge Lending explains merchant cash advances for owners in Enid, OK: why an advance is a purchase of future receipts rather than a loan, how factor rates and holdbacks set the total cost, how advances interact with credit, and how to compare it with a loan. Totals come before any decision. ## Industries - [Business Funding by Industry in Enid, OK](https://clayridgelending.com/industries/): Clayridge Lending's industry hub for Enid, OK covers more than forty business types in Garfield County, OK, from restaurants, gas stations and trade contractors to physician practices, salons, gyms and childcare, each with Census counts and a funding option to compare. Eleven of these business types have a full page of their own. - [Funding for Contractors and Builders Across Garfield County, OK](https://clayridgelending.com/industries/construction/): Clayridge Lending explains business funding for contractors in Enid, OK and Garfield County, OK: the construction cash cycle, retainage, working capital for crews and materials, equipment financing and credit lines, with county Census counts for the trades. Funding partners review each request and make the decision. - [Funding for Plumbing and HVAC Contractors Across Garfield County, OK](https://clayridgelending.com/industries/plumbing-hvac/): Clayridge Lending explains funding for plumbing and HVAC contractors in Enid, OK and Garfield County, OK: service truck and work van financing, parts and equipment bought ahead of jobs, credit lines for uneven months, and buying an existing shop, with Census counts for the trade. Funding partners decide. - [Funding for Restaurants Across Garfield County, OK](https://clayridgelending.com/industries/restaurants/): Clayridge Lending explains restaurant funding for owners in Enid, OK and Garfield County, OK: financing commercial kitchen equipment, renovations and remodels, covering payroll, and how a merchant cash advance compares with a loan, with Census counts for local full-service and limited-service restaurants. Funding partners decide. - [Funding for Gas Stations and Convenience Stores Across Garfield County, OK](https://clayridgelending.com/industries/gas-stations-convenience-stores/): Clayridge Lending explains gas station and convenience store funding for owners and buyers in Enid, OK and Garfield County, OK: buying a station, financing fuel loads and store stock, pumps, tanks and coolers, and what partners review, with county Census counts for both business types. Funding partners decide. - [Funding for Retailers Across Garfield County, OK](https://clayridgelending.com/industries/retail/): Clayridge Lending explains retail business funding for store owners in Enid, OK and Garfield County, OK: boutiques and clothing, building materials and hardware, furniture and general merchandise, liquor stores, and ways to improve retail cash flow, with county Census counts by store type. Funding partners review each request. - [Funding for Physician Practices Across Garfield County, OK](https://clayridgelending.com/industries/medical-practices/): Clayridge Lending explains funding for physician practices in Enid, OK and Garfield County, OK: medical equipment financing, bridging reimbursement gaps, opening or expanding a private practice, and what funding partners review, with county Census counts for offices of physicians. Funding partners make every decision. - [Funding for Chiropractic, Therapy and Optometry Practices Across Garfield County, OK](https://clayridgelending.com/industries/chiropractors-and-therapists/): Clayridge Lending explains funding for chiropractic, physical therapy and optometry practices in Enid, OK and Garfield County, OK: chiropractic and optometry equipment financing, buying an existing practice, covering insurance lag, and what funding partners review, with county Census counts for these offices. Partners decide. - [Funding for Law Firms Across Garfield County, OK](https://clayridgelending.com/industries/law-firms/): Clayridge Lending explains law firm financing for practices in Enid, OK and Garfield County, OK: credit lines for slow-paying receivables and contingency matters, loans for partner buy-ins, office build-outs and technology, and what funding partners review for small firms, with county Census counts for legal services. Partners decide. - [Funding for Accounting and Tax Practices Across Garfield County, OK](https://clayridgelending.com/industries/accounting-firms/): Clayridge Lending explains funding for accounting, tax, bookkeeping and payroll practices in Enid, OK and Garfield County, OK: loans to buy a CPA firm or a client book, credit lines for the months between deadlines, and growth funding, with county Census counts for the profession. Each request is decided by the funding partner that reviews it. - [Funding for Insurance Agencies Across Garfield County, OK](https://clayridgelending.com/industries/insurance-agencies/): Clayridge Lending explains funding for insurance agencies in Enid, OK and Garfield County, OK: how acquisition financing works for buying a book or an independent agency, insurance agent loans for growth and commission gaps, and what funding partners review, with county Census counts for insurance agencies. Partners decide. - [Funding for Auto Repair Shops Across Garfield County, OK](https://clayridgelending.com/industries/auto-repair/): Clayridge Lending explains funding for auto repair and mechanic shops in Enid, OK and Garfield County, OK: automotive lift and diagnostic equipment financing, parts inventory, working capital for fleet and insurance jobs, and buying an existing shop, with county Census counts for auto repair. Funding partners decide. ## Guides and calculators - [Business Funding Guides and Tools for Enid, OK Owners](https://clayridgelending.com/resources/): Clayridge Lending's guides help owners in Enid, OK get paperwork in order before a funding request: trade licensing lookups for plumbing, electrical and HVAC firms, City of Enid, OK zoning and building permits, the Oklahoma sales tax permit, and a gas station loan calculator. Official links still awaiting a human check are flagged. - [Oklahoma Construction Industries Board Licenses for Enid, OK Plumbing, Electrical and HVAC Firms](https://clayridgelending.com/resources/oklahoma-cib-license-for-trade-contractors/): Clayridge Lending's guide for Enid, OK trade contractors covers the Oklahoma Construction Industries Board license search and renewal as owners use them, why funding partners ask for a license on plumbing, electrical and HVAC requests, and how to keep license records consistent with the business's bank and legal name. - [Enid, OK Zoning and Building Permits Before a Build-Out or Expansion](https://clayridgelending.com/resources/enid-ok-zoning-and-building-permits/): Clayridge Lending's guide for Enid, OK owners planning a build-out covers where to start with the city's zoning map, zoning ordinance, building code and building department, how to check whether an address is inside city limits, and how to time permits with a term loan or equipment financing request. Rules themselves are for the city. - [Oklahoma Sales Tax Permit: Applying, Renewing and Keeping Tax Out of Working Capital (Enid, OK)](https://clayridgelending.com/resources/oklahoma-sales-tax-permit/): Clayridge Lending's guide for Enid, OK sellers covers the Oklahoma sales tax permit as owners search for it (application, renewal, lookup, permit number and verification), why funding partners may ask about sales tax filings, and how to keep collected tax separate from working capital. Official links are pending a human check. - [Gas Station Loan Calculator for Enid, OK Owners and Buyers](https://clayridgelending.com/resources/gas-station-loan-calculator/): Clayridge Lending's gas station loan calculator lets owners and buyers in Enid, OK check the monthly payment, total interest and total repaid on a fixed-payment loan from their own numbers, with a worked station example and the records partners review. It shows arithmetic only, not offers or pricing. ## Areas served - [Business Funding in Enid, Oklahoma: Garfield County, OK Business Facts and Resources](https://clayridgelending.com/enid-ok/): Clayridge Lending's Enid, OK page gathers Garfield County, OK business figures from the Census Bureau, sector counts with links to industry funding pages, ZIP-level data, commercial property and restaurant context, and permit and licensing guides. Business funding requests start by phone or online, and funding partners decide. - [Areas Served Around Enid, OK](https://clayridgelending.com/service-areas/): Clayridge Lending serves business owners in Enid, OK, across Garfield County, OK and in nearby towns such as Hennessey, OK, Waukomis, OK, Pond Creek, OK and Ringwood, OK, all by phone and online. This page gives each town's distance from Enid, OK and ZIP-level Census counts where the data is published. - [Business Financing for Hennessey, Oklahoma Businesses](https://clayridgelending.com/service-areas/hennessey-ok/): Clayridge Lending serves owners in Hennessey, OK, about 20 miles south of Enid, OK, by phone and online. This page uses ZIP 73742 Census figures for the town's business mix, from oil and gas services to retail and food, and points each funding need to a fitting option. Partners decide. ## Company - [Enid, Oklahoma Business Funding: Compare Your Options](https://clayridgelending.com/): Clayridge Lending helps owners in Enid, OK and the surrounding towns compare six kinds of business funding: working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. Requests start by phone or online, funding partners review them and make the decision, and every option is compared on total payback. - [How Business Funding Works in Enid, OK: From First Call to Offer](https://clayridgelending.com/how-it-works/): Clayridge Lending sets out how a business funding request moves for owners in Enid, OK: the first call, the records funding partners review, what affects timing, how partners decide, and how to compare an offer before signing. No step commits you to accepting anything. - [Business Funding Questions From Enid, OK Owners](https://clayridgelending.com/faq/): Clayridge Lending answers business funding questions for owners in Enid, OK: business bank accounts, how merchant cash advances differ from loans, credit lines and credit scores, equipment financing and taxes, and what happens after a request. Requests are matched with funding partners, who review them and make their own decisions. Each answer links to the page with detail. - [About Clayridge Lending in Enid, OK](https://clayridgelending.com/about/): Clayridge Lending runs a small-business funding service out of Enid, OK, mostly over the phone. Owners call or send a request online; Clayridge compares six kinds of funding against what the money is for and matches the request with funding partners, who make the decision. The address and phone are on the contact page. - [Contact Clayridge Lending in Enid, OK](https://clayridgelending.com/contact/): Clayridge Lending in Enid, OK takes business funding requests by phone at (580) 205-2613 and through the online request form. This page lists the phone number, the business address and a map, and explains what to have ready before you call so the first conversation is useful. - [Request Business Funding Options in Enid, OK](https://clayridgelending.com/apply/): Clayridge Lending's online request lets owners in Enid, OK and nearby towns start a business funding request. The form asks for contact details, time in business, an annual revenue range and the amount needed. We call back, and no request goes to a funding partner without the owner's go-ahead. - [Disclosures for Clayridge Lending, Enid, OK](https://clayridgelending.com/disclosures/): Clayridge Lending in Enid, OK sets out its role here: it matches requests with funding partners, who review them and make their own decisions; a merchant cash advance is not a loan; and no approval, amount, rate or timing is promised. Specific legal wording is pending counsel review. ## Optional - [Full text of every page](https://clayridgelending.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://clayridgelending.com/sitemap.xml)