# Lakeshire Business Funding > Lakeshire Business Funding is a small-business funding broker at 424 W Superior St, Duluth, MN 55802 (phone (218) 353-6774). It helps businesses in Duluth, MN; Superior, WI; Cloquet, MN and across St. Louis County, Minnesota, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Lakeshire Business Funding connects you with lending partners; partners make credit decisions and set rates and terms. Lakeshire Business Funding is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Lakeshire Business Funding does not arrange personal, payday, auto title, mortgage or SBA loans, and does not offer grants. Key facts: - Business type: small-business funding broker (not a lender) - Address: 424 W Superior St, Duluth, MN 55802, United States - Phone: (218) 353-6774 - Apply: https://lakeshirebusinessfunding.com/apply/ - Service area: Duluth, MN; Superior, WI; Cloquet, MN and all of St. Louis County, Minnesota - Language: English ## Funding options - [Business Funding Options for Duluth and St. Louis County, MN](https://lakeshirebusinessfunding.com/business-loans/): Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, compares six options here: working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. Each is described by purpose, repayment pattern and usual collateral. Lending partners, not Lakeshire, decide whether to fund and set the rate and terms. - [Working Capital Financing in Duluth, MN: Options for Northland, MN Businesses](https://lakeshirebusinessfunding.com/business-loans/working-capital/): Working capital financing is short-term business funding for operating costs such as payroll, rent, materials and supplier bills while revenue catches up. Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, explains how it is repaid and how it compares with a line of credit or a merchant cash advance, then introduces requests to lending partners, who decide. - [Business Term Loans in Duluth, MN: Options for Northland, MN Businesses](https://lakeshirebusinessfunding.com/business-loans/term-loans/): A business term loan is a single advance repaid in regular installments of principal and interest over a set term. Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, explains amortization, common uses such as build-outs and expansions, and what partners review, then introduces requests to lending partners, which make every credit decision and set rates and terms. - [Business Lines of Credit in Duluth, MN: Options for Northland, MN Businesses](https://lakeshirebusinessfunding.com/business-loans/line-of-credit/): A business line of credit is a borrowing limit you draw from as needed, repay, and draw from again, with interest generally charged only on the balance in use. Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, explains draws, draw periods, renewal and security, then introduces requests to lending partners, which decide and set rates and terms. - [Inventory Financing in Duluth, MN: Options for Northland, MN Businesses](https://lakeshirebusinessfunding.com/business-loans/inventory-financing/): Inventory financing is business funding secured by the goods a company holds for sale, typically sized as a percentage of the inventory's value and repaid as stock sells or on a schedule. Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, explains advance rates, liens and reporting, then introduces requests to lending partners, which decide and set rates and terms. - [Equipment Financing and Leasing in Duluth, MN: Options for Northland, MN Businesses](https://lakeshirebusinessfunding.com/equipment-financing/): Equipment financing funds the purchase or use of business equipment, with the equipment serving as collateral. Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, explains loans, finance leases, operating leases and equipment finance agreements, used equipment and contractor vehicles, then introduces requests to lending partners, which make credit decisions and set rates and terms. - [Merchant Cash Advances in Duluth, MN: Options for Northland, MN Businesses](https://lakeshirebusinessfunding.com/merchant-cash-advance/): A merchant cash advance is not a loan: a funder buys part of a business's future receivables for a lump sum and collects an agreed total through a holdback or fixed debits. Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, explains factor rates, holdbacks and total remittance before any request goes to a funder, which sets all terms. ## Industries - [Industry Financing for Duluth and St. Louis County, MN](https://lakeshirebusinessfunding.com/industries/): Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, matches funding options to the cash cycles of construction firms, restaurants, retailers and medical and dental practices in St. Louis County, using Census County Business Patterns figures. Lending partners have confirmed these sectors; they make each credit decision and set rates and terms. - [Contractor and Construction Financing in Duluth, MN: Options for Northland, MN Businesses](https://lakeshirebusinessfunding.com/industries/construction/): Construction financing for contractors covers job costs that come due before payment, plus equipment and work vehicles. Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, explains construction lines of credit, working capital and equipment financing for St. Louis County firms, using Census figures, then introduces requests to lending partners, which decide and set rates and terms. - [Restaurant and Food Service Financing in Duluth, MN: Options for Northland, MN Businesses](https://lakeshirebusinessfunding.com/industries/restaurants/): Restaurant financing covers kitchen equipment, walk-in coolers and freezers, point-of-sale systems, remodels and payroll. Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, explains equipment financing, term loans, lines of credit and merchant cash advances for St. Louis County food service businesses, then introduces requests to lending partners, which decide and set rates and terms. - [Retail Store Financing in Duluth, MN: Options for Northland, MN Businesses](https://lakeshirebusinessfunding.com/industries/retail/): Retail store financing covers fit-outs, fixtures, point-of-sale equipment, payroll and stock for shops. Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, explains which options suit each store cost, using St. Louis County retail figures from the Census, then introduces requests to lending partners, which make every credit decision and set rates and terms. ## Guides and calculators - [Minnesota Business Funding Guides for Duluth, MN Owners](https://lakeshirebusinessfunding.com/resources/): Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, publishes these guides for St. Louis County owners: preparing for a Minnesota business loan, searching UCC filings, keeping state filings and a sales tax ID current, Duluth licensing, free regional help, credit line renewals and a utilization worksheet. Lending partners, not Lakeshire, decide on funding. - [How to Get a Business Loan in Minnesota: A Duluth, MN Owner's Plan](https://lakeshirebusinessfunding.com/resources/how-to-get-a-business-loan-in-minnesota/): To get a small business loan in Minnesota, confirm the business's state filings, separate business and personal money, gather bank statements and tax returns, define the purpose and repayment, then compare lenders. Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, sets this out in three stages; lending partners make every credit decision. - [Minnesota UCC Search: Finding Liens on Business Assets](https://lakeshirebusinessfunding.com/resources/minnesota-ucc-search/): A Minnesota UCC search shows financing statements filed against a business, which lenders and funders use to record claims on its assets. Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, explains searching by debtor name or file number, reading a filing, lien order and terminations. Legal effects are for an attorney; lending partners decide on funding. - [Minnesota Business Filing, Annual Renewal and Sales Tax ID: A Checklist](https://lakeshirebusinessfunding.com/resources/minnesota-sales-tax-id-and-business-filing/): Minnesota lenders commonly confirm a business's state entity filing, its annual renewal status, its exact legal name and its tax accounts, including a sales tax ID where one applies. Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, explains how to check each record before applying. Legal and tax requirements come from the state agencies. - [Duluth, MN Business Licenses and City Sales Tax: What Applies to You](https://lakeshirebusinessfunding.com/resources/duluth-business-license-and-sales-tax/): Whether a Duluth, MN business needs a city license or must deal with city sales tax depends on its activities, its location and what it sells. Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, sets out the questions to answer and where to check them officially, and explains why lending partners ask. The city and state set the actual requirements. - [Small Business Resources in Duluth, MN and Northeast Minnesota](https://lakeshirebusinessfunding.com/resources/northeast-minnesota-small-business-resources/): Owners in Duluth, MN and Northeast Minnesota can find free advising, economic development programs, community lenders and business associations. Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, sorts these by type of help and points to official sources. Lakeshire has no affiliation with any of them and does not offer grants. - [Business Line of Credit Renewal: Maturity, Annual Review and What Gets Checked](https://lakeshirebusinessfunding.com/resources/business-line-of-credit-renewal/): A business line of credit usually has a maturity or annual review date, when the lender re-examines the business and renews, changes or ends the line. Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, explains maturity versus draw periods, the renewal process, the annual review checklist and options at non-renewal. Each lender sets its own renewal terms. - [Line of Credit Utilization Worksheet, With a Draw Payment Calculator](https://lakeshirebusinessfunding.com/resources/line-of-credit-utilization-calculator/): This worksheet shows how to calculate business line of credit utilization (balance divided by limit) and remaining headroom by hand, across one or several lines. The calculator computes a monthly payment, total interest and total repaid for an amount, rate and term. Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, provides both as arithmetic only. ## Areas served - [Duluth, Minnesota Business Financing: St. Louis County, MN Facts and Contacts](https://lakeshirebusinessfunding.com/duluth-mn/): Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, works from 424 W Superior St in St. Louis County. This page sets out Census figures for the county and ZIP 55802, self-employment in Duluth, residential permit activity, and starting points for registration and free advising. Lakeshire is a broker, not a lender; lending partners decide. - [Twin Ports and Northland Communities Served From Duluth, MN](https://lakeshirebusinessfunding.com/service-areas/): Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, works by phone and online with owners in nearby towns across St. Louis County, Carlton County and Lake County, MN. Cloquet, MN and Superior, WI have their own pages. Each place is described with its own county and data. Lending partners, not Lakeshire, make every credit decision. - [Business Funding for Superior, WI Owners Near Duluth, MN](https://lakeshirebusinessfunding.com/service-areas/superior-wi/): Superior, WI business owners can contact Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, by phone or online. This page gives Census figures for the City of Superior and ZIP 54880 in Douglas County, Wisconsin, and explains how a request is handled. Lakeshire is a broker, not a lender; lending partners decide and set rates and terms. - [Business Funding for Cloquet, MN Owners Near Duluth, MN](https://lakeshirebusinessfunding.com/service-areas/cloquet-mn/): Cloquet, MN business owners can work with Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, by phone and online. This page gives Census figures for Cloquet and ZIP 55720 in Carlton County and explains Minnesota registration and how requests are handled. Lakeshire is a broker, not a lender; lending partners decide and set rates and terms. ## Company - [Lakeshire Business Funding: Duluth, Minnesota Business Funding Broker](https://lakeshirebusinessfunding.com/): Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, is an intermediary and does not lend. From 424 W Superior St it helps St. Louis County and Twin Ports owners compare working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances, then introduces each request to lending partners, who approve or decline it and set every rate and term. - [How Lakeshire Arranges Business Funding From Duluth, MN](https://lakeshirebusinessfunding.com/how-it-works/): Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, works in four steps: you describe the need, we match it to a funding type and lending partners, a partner underwrites and decides, and you compare any offer before choosing. Lakeshire never makes the credit decision or sets rates and terms; partners do. - [What Duluth, MN Owners Ask About Business Funding](https://lakeshirebusinessfunding.com/faq/): Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, answers frequent questions here: what a broker does, the difference between personal and business borrowing, how options are priced, which Minnesota records matter and what lending partners review. Lakeshire is a broker, not a lender; lending partners decide and set rates and terms. - [Request Funding Options in Duluth, MN](https://lakeshirebusinessfunding.com/apply/): Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, takes requests through a short form: name, email, phone and business name, with a consent checkbox. We call to discuss the purpose and the options. Lakeshire is a broker, not a lender; lending partners make every credit decision and set rates and terms. - [About Lakeshire Business Funding in Duluth, MN](https://lakeshirebusinessfunding.com/about/): Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, arranges introductions and never lends. It helps owners in St. Louis County and the Twin Ports compare six funding options and prepares requests for lending partners. Partners review each request, decide whether to fund it, and set every rate and term. Lakeshire does not arrange consumer loans. - [Contact Lakeshire Business Funding in Duluth, MN](https://lakeshirebusinessfunding.com/contact/): Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, can be reached by phone at (218) 353-6774 or through the online request form. Its office address is 424 W Superior St in Duluth, MN 55802. Lakeshire is a broker, not a lender; lending partners make credit decisions and set rates and terms. - [Broker Disclosures for Lakeshire Business Funding, Duluth, MN](https://lakeshirebusinessfunding.com/disclosures/): Lakeshire Business Funding, a small-business funding broker in Duluth, Minnesota, is a broker, not a lender. It introduces business funding requests to lending partners, which decide whether to fund and set all rates and terms. Approval, amounts and timing are never promised, and a merchant cash advance is not a loan. ## Optional - [Full text of every page](https://lakeshirebusinessfunding.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://lakeshirebusinessfunding.com/sitemap.xml)