# Thistlepark Credit > Thistlepark Credit is a small-business funding broker at 32 N Phelps St, Youngstown, OH 44503 (phone (330) 536-1635). It helps businesses in Youngstown, OH; Struthers, OH; Girard, OH; Hubbard, OH; Canfield, OH; Niles, OH; North Lima, OH and across Mahoning County, Ohio, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Thistlepark Credit connects you with lending partners; partners make credit decisions and set rates and terms. Thistlepark Credit is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Thistlepark Credit does not arrange personal, payday, auto title, installment, mortgage or SBA loans, does not offer grants, and does not arrange funding for agriculture or trucking. Key facts: - Business type: small-business funding broker (not a lender) - Address: 32 N Phelps St, Youngstown, OH 44503, United States - Phone: (330) 536-1635 - Apply: https://thistleparkcredit.com/apply/ - Service area: Youngstown, OH; Struthers, OH; Girard, OH; Hubbard, OH; Canfield, OH; Niles, OH; North Lima, OH and all of Mahoning County, Ohio - Language: English ## Funding options - [Business Funding Options Compared for Youngstown, Ohio Owners](https://thistleparkcredit.com/business-loans/): Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, compares six structures for Mahoning County owners: working capital, term loans, credit lines, inventory funding, equipment funding and merchant cash advances. The comparison covers repayment, collateral and term length. A merchant cash advance is not a loan, and lending partners set all terms. - [When Working Capital Financing Makes Sense for a Youngstown, OH Business](https://thistleparkcredit.com/business-loans/working-capital/): Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, explains working capital financing: short-term funding for payroll, rent and supplies while receivables are outstanding, usually repaid in fixed installments over months. Partners size it from deposits and revenue. Mahoning County health care, retail and construction businesses each face their own gaps. - [When Business Term Loans Makes Sense for a Youngstown, OH Business](https://thistleparkcredit.com/business-loans/term-loans/): Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, explains business term loans: a lump sum repaid in fixed installments over a set term, used for build-outs, expansion and refinancing. The page covers amortization, covenants, early payoff and what partners review. Lending partners decide whether to lend and set every rate and term. - [When Business Lines of Credit Makes Sense for a Youngstown, OH Business](https://thistleparkcredit.com/business-loans/line-of-credit/): Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, explains business lines of credit: a revolving limit drawn as needed, with interest charged only on the outstanding balance. The page covers draw periods, secured and unsecured lines, payroll use and when a term loan is the better fit. The lending partner approves or declines and writes the terms. - [When Inventory Financing Makes Sense for a Youngstown, OH Business](https://thistleparkcredit.com/business-loans/inventory-financing/): Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, explains inventory financing: funding to buy stock, secured by the goods themselves and usually recorded with a UCC filing. The page compares it with factoring, credit lines and working capital, using Mahoning County retail and wholesale figures. Whether to fund, and on what terms, is the lending partner's call. - [When Equipment Financing and Leasing Makes Sense for a Youngstown, OH Business](https://thistleparkcredit.com/equipment-financing/): Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, explains equipment financing and leasing: loans, leases and equipment finance agreements secured by the asset. It covers used equipment, construction machines, medical and dental equipment and how equipment loans compare with credit lines. Lending partners decide, set terms and own the contract. - [When Merchant Cash Advances Makes Sense for a Youngstown, OH Business](https://thistleparkcredit.com/merchant-cash-advance/): Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, explains merchant cash advances. A merchant cash advance is not a loan: a funder buys part of a business's future receivables and collects them through a holdback or fixed debits until a set total is remitted. The page covers factor rates, reconciliation, stacking, credit reporting and default. ## Industries - [Business Financing by Industry in Youngstown, OH](https://thistleparkcredit.com/industries/): Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, works with Mahoning County businesses in the sectors its lending partners have confirmed: construction, restaurants, medical and dental offices, plus retail and wholesale trade. Each sector is matched to the funding structures that fit its cash cycle. Agriculture and trucking are not covered, and partners make all credit decisions. - [When Contractor and Construction Financing Makes Sense for a Youngstown, OH Business](https://thistleparkcredit.com/industries/construction/): Contractor financing covers the working capital, credit lines and equipment that construction firms need between draws. Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, explains the options for Mahoning County's 427 construction employers (Census CBP 2023), most of them specialty trades. Rates, terms and the decision itself sit with lending partners. - [When Restaurant and Food Service Financing Makes Sense for a Youngstown, OH Business](https://thistleparkcredit.com/industries/restaurants/): Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, explains restaurant financing for Mahoning County's 539 food service and drinking places (Census CBP 2023): equipment financing for kitchens, coolers and POS systems, working capital, lines of credit and term loans for build-outs. Credit decisions and terms come from lending partners alone. - [When Medical and Dental Practice Financing Makes Sense for a Youngstown, OH Business](https://thistleparkcredit.com/industries/medical-dental/): Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, explains medical and dental practice financing for Mahoning County, where ambulatory health care had 502 employer establishments in 2023 (Census CBP): equipment financing, working capital for claim gaps, clinic build-outs and practice purchases. Lending partners make every decision and set every term. ## Guides and calculators - [Business Funding Guides and Calculators for Youngstown, OH Owners](https://thistleparkcredit.com/resources/): Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, publishes these resources for Mahoning County owners: how to get a business loan in Ohio, the Ohio vendor's license, Youngstown, OH zoning and building permits, free Mahoning Valley small business help, and a loan payment and total-interest calculator. None of it is legal or tax advice. - [How to Get a Business Loan in Ohio: A Youngstown, OH and Mahoning Valley, OH Checklist](https://thistleparkcredit.com/resources/how-to-get-a-business-loan-in-ohio/): This guide from Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, lists eight steps to getting a business loan in Ohio: define the purpose, choose a structure, check state and local records, gather documents, review credit and existing liens, choose where to apply, apply and compare offers. It includes Mahoning County and Ohio Census figures. - [Ohio Vendor's License: Apply, Look Up and Keep It Current Before a Funding Request](https://thistleparkcredit.com/resources/ohio-vendors-license/): This guide from Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, explains how the Ohio vendor's license connects to a funding request: checking that the record is active and matches your legal name and address, updating it after a move or a change of entity, and why partners compare sales tax filings with deposits. Legal questions go to the state. - [Free Small Business Help in Youngstown, OH and the Mahoning Valley, Ohio](https://thistleparkcredit.com/resources/mahoning-valley-small-business-resources/): This directory from Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, groups free and low-cost help for Mahoning Valley owners: Small Business Development Center advising, business incubators, economic development organizations, the chamber, and city, county, state and federal offices. Thistlepark Credit is not affiliated with any of them and does not offer grants. - [Youngstown, Ohio Zoning and Building Permits: A Checklist Before You Lease, Buy or Build Out](https://thistleparkcredit.com/resources/youngstown-oh-zoning-and-building-permits/): This checklist from Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, covers what to confirm before leasing, buying or building out a space in Youngstown, OH: whether the address is inside the city, zoning and permitted use, building permits and inspections, lease terms that affect financing, and how partners view permit status. It is not legal advice. - [Business Loan Payment and Total-Interest Calculator for Youngstown, OH Owners](https://thistleparkcredit.com/resources/business-loan-calculator/): This business loan calculator turns a loan amount, an annual interest rate and a term in months into what each month costs, the interest over the whole term, and the sum paid back. Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, provides it for Mahoning County owners as illustrative arithmetic, not an offer or an estimate of terms. ## Areas served - [Business Funding in Youngstown, Ohio: Mahoning County Facts and Next Steps](https://thistleparkcredit.com/youngstown-oh/): Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, at 32 N Phelps St, works with owners across Mahoning County, where 5,391 employer establishments operated in 2023 and 46.8 percent had under five employees (Census CBP). Self-employment is lower in the city than the county. Lending partners, not Thistlepark Credit, decide and set terms. - [Areas We Serve Around Youngstown, OH](https://thistleparkcredit.com/service-areas/): Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, works with owners across Mahoning County and nearby Trumbull and Columbiana county towns from a single address. Six nearby towns have their own pages with ZIP-level Census figures; others are summarized here. Every credit decision is a lending partner's. - [Business Financing in Struthers, Ohio](https://thistleparkcredit.com/service-areas/struthers-oh/): Struthers, Ohio owners can reach Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, by phone or online. ZIP 44471, which the city covers four-fifths of, had 132 employer establishments in 2023, led by retail and other services (Census ZBP). Lending partners, not Thistlepark Credit, decide on and price any funding. - [Business Financing in Girard, Ohio](https://thistleparkcredit.com/service-areas/girard-oh/): Girard, Ohio owners in Trumbull County can reach Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, by phone or online. ZIP 44420 had 272 employer establishments in 2023, with construction the largest sector (Census ZBP). Thistlepark Credit is not a lender; rates, terms and the decision itself sit with lending partners. - [Business Financing in Hubbard, Ohio](https://thistleparkcredit.com/service-areas/hubbard-oh/): Hubbard, Ohio owners can reach Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, by phone or online. ZIP 44425, of which the city covers about 13 percent, had 285 employer establishments in 2023, led by retail, other services and food service (Census ZBP). Lending partners, not Thistlepark Credit, make every credit decision. - [Business Financing in Canfield, Ohio](https://thistleparkcredit.com/service-areas/canfield-oh/): Canfield, Ohio owners can reach Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, by phone or online. ZIP 44406 had 663 employer establishments in 2023, led by professional services and health care (Census ZBP), and the city's self-employment rate is about 11.7 percent (ACS). Each lending partner makes its own call and writes its own terms. - [Business Financing in Niles, Ohio](https://thistleparkcredit.com/service-areas/niles-oh/): Niles, Ohio owners in Trumbull County can reach Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, by phone or online. ZIP 44446 had 488 employer establishments in 2023, with retail trade (132) and food service (76) leading (Census ZBP). Thistlepark Credit is not a lender; partners decide. - [Business Financing in North Lima, Ohio](https://thistleparkcredit.com/service-areas/north-lima-oh/): North Lima, Ohio owners can reach Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, by phone or online. ZIP 44452 had 144 employer establishments in 2023, with construction (27) and retail (22) leading (Census ZBP). North Lima is a census-designated place in Mahoning County. Each lending partner makes its own call and writes its own terms. ## Company - [Youngstown, Ohio Business Funding Broker: We Compare, Partners Lend](https://thistleparkcredit.com/): Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, does not lend or extend credit despite its name. From 32 N Phelps St it helps Mahoning County owners compare six funding structures and introduces each request to lending partners, which approve or decline and set every rate and term. Call (330) 536-1635 to start. - [From Application to Offer: How a Youngstown, OH Funding Broker Works](https://thistleparkcredit.com/how-it-works/): Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, works in four steps: a call about the purpose, matching the purpose to a structure, a lending partner's review, and your decision on any offer. The page explains the difference between a broker and a lender, what partners review, how to compare offers and warning signs. - [Business Funding Questions From Youngstown, OH Owners](https://thistleparkcredit.com/faq/): This page gives Mahoning County owners short answers about Thistlepark Credit, a small-business funding broker in Youngstown, Ohio: what a broker does, which funding it arranges, whether an LLC can borrow, paying yourself from a loan, personal loans for a business, credit checks and Ohio registration questions. All credit decisions belong to lending partners. - [Request Business Funding Options in Youngstown, OH](https://thistleparkcredit.com/apply/): Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, takes funding requests through a short form asking for name, email, phone, business name and three range picks, followed by a call about the purpose. Lending partners review any request, make every credit decision and set rates and terms; Thistlepark Credit is not a lender. - [About Thistlepark Credit, a Business Funding Broker in Youngstown, OH](https://thistleparkcredit.com/about/): Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, is based at 32 N Phelps St. It explains six business funding structures to Mahoning County owners and introduces requests to lending partners. It does not lend, extend credit, approve applications or set rates, and it does not arrange consumer, agriculture or trucking funding. - [Contact Thistlepark Credit in Youngstown, OH](https://thistleparkcredit.com/contact/): Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, is at 32 N Phelps St, Youngstown, OH 44503, phone (330) 536-1635. Owners can call or send the short online form and get a call back about the purpose of the funding. Thistlepark Credit is not a lender; partners decide. - [Broker Disclosures for Thistlepark Credit, Youngstown, OH](https://thistleparkcredit.com/disclosures/): Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, is a broker, not a lender: it passes business funding requests to lending partners, and those partners decide and price them. Submitting a request does not assure approval, any amount or any terms. A merchant cash advance is not a loan. ## Optional - [Full text of every page](https://thistleparkcredit.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://thistleparkcredit.com/sitemap.xml)