# Oakpoint Credit > Oakpoint Credit is a small-business funding broker at 116 S High St, Marion, OH 43302 (phone (740) 443-3459). It helps businesses in Marion, OH and across Marion County, Ohio, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Oakpoint Credit passes business funding requests to funding partners; each partner reviews a request and sets its own credit decision, pricing and terms. Oakpoint Credit is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Oakpoint Credit does not arrange personal, payday, auto title, mortgage, startup or SBA loans, does not offer grants, and does not arrange funding for trucking. Key facts: - Business type: small-business funding broker (not a lender) - Address: 116 S High St, Marion, OH 43302, United States - Phone: (740) 443-3459 - Apply: https://oakpointcredit.com/apply/ - Service area: Marion, OH and all of Marion County, Ohio - Language: English ## Funding options - [Types of Business Loans in Marion, OH, Matched to Tire Machines and Payroll](https://oakpointcredit.com/business-loans/): Here the six funding types a Marion, Ohio request can be matched with through Oakpoint Credit are set side by side: working capital, business term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. Each is described by what it pays for, how it is paid back or collected, what secures it, and how term and amortization change the payment. - [Working Capital Loans in Marion, OH: Payroll and Supplier Bills While Invoices Are Out](https://oakpointcredit.com/business-loans/working-capital/): Working capital requests from Marion, Ohio businesses go from Oakpoint Credit to funding partners for review. This page explains how short-term working capital loans work, how they are used for payroll and payroll taxes, how to size the gap from your own receivables, and which records a partner reads. - [Business Term Loans in Marion, OH: Fixed Payments for Retail Stores](https://oakpointcredit.com/business-loans/term-loans/): Term loan requests from Marion, Ohio businesses go from Oakpoint Credit to funding partners. This page covers what term loans are used for, how acquisition loans for buying a business are assembled, the records a partner reads, and how short and long terms change the payment. - [Business Lines of Credit in Marion, OH: Draws for Tire Machines and Payroll](https://oakpointcredit.com/business-loans/line-of-credit/): Oakpoint Credit matches business line of credit requests from Marion, Ohio companies with funding partners. This page explains revolving credit against one-time loans, commercial credit line basics, how partners size a limit, what lines are used for, operating lines for agricultural businesses, and a worked draw-and-paydown example. - [Inventory Financing in Marion, OH for Store Shelves and Supplier Orders](https://oakpointcredit.com/business-loans/inventory-financing/): Oakpoint Credit matches inventory financing requests from Marion, Ohio retailers and distributors with funding partners. This page explains how inventory financing works, advance rates on stock, inventory lines of credit, buying stock with a business loan, and a worked example for a Marion County, OH store. - [Equipment Financing and Leasing in Marion, OH for Manufacturers](https://oakpointcredit.com/equipment-financing/): Equipment requests from Marion, Ohio businesses reach funding partners through Oakpoint Credit. This page covers five kinds of equipment used across Marion County, OH, with Census counts for the industries that use them, then explains how to finance a trailer and how loans and leases differ. - [Merchant Cash Advances in Marion, OH: How Card-Sales Remittance Works on a Daily Batch](https://oakpointcredit.com/merchant-cash-advance/): Oakpoint Credit matches merchant cash advance requests from Marion, Ohio businesses with providers. Legally the advance is a sale of future receivables rather than a loan. This page explains holdbacks and factor rates, compares revenue-based financing and credit lines, and works through the cost on invented figures. ## Industries - [Business Loans by Industry in Marion, OH: Plants, Kitchens, Shops and Bays](https://oakpointcredit.com/industries/): These are Oakpoint Credit's funding notes for Marion, Ohio, sorted by line of work. Five industries have full pages: restaurants, retail, contractors, auto repair and manufacturing. The rest have short notes here with Marion County, OH Census counts. - [Restaurant Loans in Marion, OH: Drive-Thru Lanes, Prep Lines and Payroll](https://oakpointcredit.com/industries/restaurants/): Restaurant funding requests from Marion, Ohio go through Oakpoint Credit to funding partners. In 2023 Marion County, OH had 52 limited-service and 27 full-service restaurants with payroll. This page covers loans for restaurants, the partners that fund them, cash advances, food trailers, catering, buying a restaurant and the records partners read. - [Business Loans for Retail in Marion, OH: Shelving, Coolers, Stock Orders and POS Systems](https://oakpointcredit.com/industries/retail/): Oakpoint Credit matches retail funding requests from Marion, Ohio stores with funding partners. Retail led Marion County, OH by employer count in 2023, with 163 establishments. This page covers retail business loans by store type, financing companies, loan requirements, leasing a space, POS systems and the records partners read. - [Financing for Contractors in Marion, OH: Machines, Crew Payroll and Held Retainage](https://oakpointcredit.com/industries/construction/): Oakpoint Credit matches contractor financing requests from Marion, Ohio with funding partners. Marion County, OH had 77 construction employers in 2023, more than half with fewer than five employees. This page covers construction equipment, lines of credit for HVAC shops, plumbing working capital, electrical contractors and retainage. - [Auto Repair Shop Loans in Marion, OH for Repair Bays and Diagnostic Equipment](https://oakpointcredit.com/industries/auto-repair/): Repair shop funding requests from Marion, Ohio go through Oakpoint Credit to funding partners. Marion County, OH had 26 auto repair and maintenance employers in 2023 and 65 repair businesses without paid employees in 2024. This page covers shop loans, bay equipment, parts credit, tire shops and buying an existing garage. - [Marion, OH Manufacturing Equipment Financing: Press Brakes, CNC Cells and Raw Material Buys](https://oakpointcredit.com/industries/manufacturing/): Oakpoint Credit matches manufacturing equipment financing requests from Marion, Ohio with funding partners. Marion County, OH manufacturers paid $385.4 million in payroll in 2023, the largest of any sector. This page covers industrial equipment financing, machinery finance companies, raw material funding, leasing machinery and unsecured machinery loans. ## Guides and calculators - [Business Funding Resources for Marion, OH Restaurants and Auto Repair Shops](https://oakpointcredit.com/resources/): Oakpoint Credit, a small-business funding service in Marion, Ohio, publishes two practical guides and one worksheet: which office handles zoning and building permits for a Marion address, how Ohio food licensing works for a kitchen or store, and how to figure an equipment payback period. - [Marion, OH Zoning Map, Zoning Code and City vs County Building Permits](https://oakpointcredit.com/resources/marion-oh-zoning-and-building-permits/): This guide from Oakpoint Credit in Marion, Ohio explains how a business owner finds the zoning and permit office for an address in Marion County, OH: City of Marion, Marion Township or another township, plus the county health district for plumbing and food work. It lists what to check before a lease or purchase and what a funding partner may ask about permits. - [Ohio Food License Requirements, Risk Levels and Renewal for Marion, OH Restaurants](https://oakpointcredit.com/resources/ohio-food-license/): This guide from Oakpoint Credit in Marion, Ohio explains how food businesses are licensed in Marion County, OH: which office licenses them, plan review for new or remodeled kitchens, Ohio's risk levels, mobile and temporary food, renewal, and how a license affects a funding request. - [Equipment Payback Calculator for Marion, OH Manufacturers and Repair Shops](https://oakpointcredit.com/resources/equipment-payback-calculator/): This worksheet from Oakpoint Credit in Marion, Ohio calculates the payback period of a machine from its installed cost and the monthly cash it adds or saves, including uneven monthly cash flows, then sets the result against a financing payment. It is arithmetic only on the numbers you supply, not an offer. ## Areas served - [Business Loans in Marion, OH for Grocery Stores, Manufacturers and Restaurants](https://oakpointcredit.com/marion-oh/): Oakpoint Credit works from Marion, Ohio, the county seat, matching small-business funding requests with partners. This page collects county and ZIP-level business counts from the Census Bureau, explains the lender types available to local owners, and covers expansion loans, credit reports, tax returns and lines of credit. - [Service Areas Around Marion, OH: Marion County, OH and Nearby Villages](https://oakpointcredit.com/service-areas/): Oakpoint Credit, in Marion, Ohio, takes funding requests by phone and online form from businesses across Marion County, OH and nearby counties. This page names the villages around Marion, gives ZIP-level Census business counts where they exist, and explains why ZIP counts are not town counts. ## Company - [Small Business Loans in Marion, OH: Machines, Payroll and Stock](https://oakpointcredit.com/): Oakpoint Credit, a Marion, Ohio funding service for small businesses, takes requests by phone or through an online form, sorts each one by what the money buys and when that purchase earns its cost back, and passes it to funding partners, who review it and set any approval, amount and terms. - [How to Get a Business Loan in Marion, OH: From First Call to Partner Review](https://oakpointcredit.com/how-it-works/): This page explains how a funding request sent to Oakpoint Credit in Marion, Ohio moves from the first call to a funding partner's review. It covers how business loans work, what credit and records partners read, how underwriting proceeds and what stays the owner's decision. - [Business Loan FAQ for Marion, OH Manufacturers and Restaurants](https://oakpointcredit.com/faq/): This page answers common business funding questions for Marion, Ohio owners: how much a business can borrow, whether loans are available to small firms, how a loan payment is figured, how much of a credit line to use and how lines appear on a balance sheet. - [Oakpoint Credit of Marion, OH: Purchase-First Matching With Funding Partners](https://oakpointcredit.com/about/): Oakpoint Credit, based in Marion, Ohio, matches business funding requests with funding partners. Credit decisions belong to the partners. This page explains the first conversation, the decisions partners make, how collateral is described and how to start a request online. - [Call Oakpoint Credit in Marion, OH About Equipment, Payroll and Stock Funding](https://oakpointcredit.com/contact/): Oakpoint Credit in Marion, Ohio can be reached by phone at (740) 443-3459 or through its online request form. This page lists the listed address, what to have ready before calling, and how approval timing and business purchase questions are handled. - [Business Loan Application for Marion, OH Shops, Kitchens and Plants](https://oakpointcredit.com/apply/): Use this page to send Oakpoint Credit in Marion, Ohio a funding request. It asks for full name, phone, email, company name and three ranges: time in business, annual revenue and requested amount. The page explains which documents partners name later and how purchase requests differ. - [Disclosures for Oakpoint Credit, Marion, OH](https://oakpointcredit.com/disclosures/): Oakpoint Credit in Marion, Ohio is a funding broker, not a lender. It passes funding requests to partners that review them and make their own decisions on approval and terms. Merchant cash advances are not loans. Read every offer in full before signing. ## Optional - [Full text of every page](https://oakpointcredit.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://oakpointcredit.com/sitemap.xml)