# Fairport Business Capital > Fairport Business Capital is a small-business funding broker at 109 E Birnie St, Gaffney, SC 29340 (phone (864) 581-2210). It helps businesses in Gaffney, SC and across Cherokee County, South Carolina, explore business term loans, working capital loans, lines of credit, inventory financing, equipment financing and merchant cash advances, with each request reviewed by a funding partner. Fairport Business Capital arranges no funding itself: it passes each request to funding partners, and each partner reviews it and makes its own decision. Fairport Business Capital is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Fairport Business Capital does not arrange trucking or agriculture funding, startup loans, SBA loans or real estate loans. Key facts: - Business type: small-business funding broker (not a lender) - Address: 109 E Birnie St, Gaffney, SC 29340, United States - Phone: (864) 581-2210 - Apply: https://fairportbusinesscapital.com/apply/ - Places: Gaffney, SC and all of Cherokee County, South Carolina - Language: English ## Funding options - [Types of Business Loans for Gaffney, SC Auto Repair Shops and Restaurants](https://fairportbusinesscapital.com/business-loans/): A plain comparison of business loan types for Gaffney, SC and Cherokee County, SC businesses: what each pays for, how it is paid back, and where a merchant cash advance differs from a loan. - [Working Capital Loans in Gaffney, SC for Gas Stations and Auto Repair Shops Covering Payroll](https://fairportbusinesscapital.com/business-loans/working-capital/): Working capital loans for Gaffney, SC and Cherokee County, SC businesses: what they pay for, how long they run, how a restaurant or machine shop can request one, and a worked payroll example. - [Business Term Loans in Gaffney, SC for Gas Stations, Auto Repair Shops and Business Buyers](https://fairportbusinesscapital.com/business-loans/term-loans/): Business term loans for Gaffney, SC and Cherokee County, SC owners and buyers: how fixed payments work, what a business purchase can include, how buyer cash changes the payment, and when a line of credit fits better. - [Business Lines of Credit in Gaffney, SC for Auto Repair Shops and Restaurants](https://fairportbusinesscapital.com/business-loans/line-of-credit/): Business lines of credit for Gaffney, SC and Cherokee County, SC businesses: how draws and paydowns work, what the draw period is, what a partner can review, and when a line is worth its cost. - [Inventory Financing for Auto Repair Shops and Restaurants Around Gaffney, SC](https://fairportbusinesscapital.com/business-loans/inventory-financing/): Inventory financing for Gaffney, SC and Cherokee County, SC businesses: how stock backs the funding, a worked example for a plant, how it differs from purchase order financing, and what to compare between providers. - [Equipment Financing in Gaffney, SC for Gas Stations, Auto Repair Shops and Restaurants](https://fairportbusinesscapital.com/equipment-financing/): Equipment loans, finance agreements and leases for Gaffney, SC and Cherokee County, SC businesses: how each structure works, what a used machine needs, how $1 buyout and fair market value leases differ, and the steps from quote to delivery. - [Merchant Cash Advances for Gas Stations and Auto Repair Shops in Gaffney, SC: Read This First](https://fairportbusinesscapital.com/merchant-cash-advance/): Merchant cash advances for Gaffney, SC and Cherokee County, SC businesses that take card sales: what the provider buys, how a holdback and a factor rate set the cost, how an advance compares with revenue-based financing and a line of credit, and how collection works at a station store. ## Industries - [Gaffney, SC Restaurant Loans: Fryers, Walk-In Coolers and a Second Location](https://fairportbusinesscapital.com/industries/restaurants/): Restaurants in Gaffney, SC can finance kitchen equipment, carry food orders on working capital, use a card-sales advance, or fund a second location with a term loan. Funding partners review each request and decide. - [Gaffney, SC Business Loans for Retail: POS Systems, Shelving and Supplier Terms](https://fairportbusinesscapital.com/industries/retail/): Retail stores in Gaffney, SC can fund stock with inventory financing or a credit line, buy fixtures and POS gear with equipment financing, and open a second storefront with a term loan. Partners review and decide. - [Financing for Contractors in Gaffney, SC for Skid Steers, Compact Loaders and Crew Payroll](https://fairportbusinesscapital.com/industries/construction/): Contractors in Gaffney, SC can finance machines and work trucks with equipment financing and carry crew payroll between draws with working capital or a credit line. This page is about the contractor's own business, not payment plans for its customers. - [Auto Repair Shop Loans in Gaffney, SC: Scan Tools, Alignment Racks and Parts Inventory](https://fairportbusinesscapital.com/industries/auto-repair/): Auto repair shops in Gaffney, SC can finance lifts, scan tools and alignment racks, carry parts inventory on working capital, and buy an existing shop business with a term loan. Funding partners review and decide. - [Manufacturing Equipment Financing in Gaffney, SC for Welding Cells, Press Brakes and Tooling](https://fairportbusinesscapital.com/industries/manufacturing/): Plants and machine shops in Gaffney, SC can finance press brakes, welding cells and CNC machines, fund raw material with inventory financing, and keep shift payroll on working capital or a line. Partners decide. - [Gas Station Financing in Gaffney, SC: Reach-In Coolers, Hot Food Cases and Store Stock](https://fairportbusinesscapital.com/industries/gas-stations-convenience-stores/): Station stores and convenience stores in Gaffney, SC can finance coolers, ice machines, POS systems and shelving, and carry stock on inventory financing or a card-sales advance. The forecourt, land and building are outside this site. - [Business Loans by Industry for Gaffney, SC: From Restaurants to Clothing Stores](https://fairportbusinesscapital.com/industries/): Cherokee County, SC trades in four groups, each with the purchases a funding request can cover and a 2023 County Business Patterns count where the Census Bureau publishes one. Partners review each request and decide. ## Guides and calculators - [Gaffney, SC Small Business Guides for Gas Stations and Auto Repair Shops](https://fairportbusinesscapital.com/resources/): Checklists and steps for preparing a funding request in Gaffney, SC, worked for a clothing store, plus a South Carolina business acquisition guide, a balloon payment calculator and verified state and federal offices. - [Business Acquisition Loans in South Carolina: Down Payments, Seller Notes and Files Gaffney, SC Buyers Gather](https://fairportbusinesscapital.com/resources/business-acquisition-loans-in-south-carolina/): A step-by-step guide for Gaffney, SC buyers of an existing business: the records to ask the seller for, how cash, a seller note and outside financing combine, and what a funding partner may review. - [Business Loan Balloon Payment Calculator for Gaffney, SC Shop and Store Buyers](https://fairportbusinesscapital.com/resources/business-loan-balloon-payment-calculator/): How to use a loan calculator for a balloon structure in Gaffney, SC: the payment on the long schedule, the balloon worked by hand, an equipment loan with a fixed balloon, and how the balloon month changes the amount due. ## Communities near Gaffney, SC - [Gaffney, SC Business Loans: Cherokee County, SC Facts, Gas Stations and Clothing Stores](https://fairportbusinesscapital.com/gaffney-sc/): Fairport talks a Gaffney, SC funding need through by phone and hands the request to funding partners, who decide. The figures on this page are Cherokee County, SC and ZIP 29340 counts from the Census Bureau, each labeled. - [Business Loans for Auto Repair Shops and Restaurants in Communities Near Gaffney, SC](https://fairportbusinesscapital.com/service-areas/): Gaffney, SC is the only community with its own page here. This hub explains buying a business and leasing space in Cherokee County, SC, with county and ZIP figures labeled by source and year. ## Company - [Small Business Loans in Gaffney, SC for Gas Stations, Auto Repair Shops and Restaurants](https://fairportbusinesscapital.com/): Fairport Business Capital hands a Gaffney, SC or Cherokee County business's funding request to funding partners. Each product page sets Cherokee County, SC Census counts next to a plain account of term loans, credit lines, equipment and inventory financing, working capital and card-sale advances. - [How Getting a Business Loan Works for Gaffney, SC Clothing Stores, Step by Step](https://fairportbusinesscapital.com/how-it-works/): The steps from a first call to a signed offer for Gaffney, SC and Cherokee County, SC businesses: what partners can require, which documents to gather, how underwriting looks at a plant, what a FICO SBSS score is, and what the first call covers. - [Business Loan FAQ: Answers for Child Care Centers and Manufacturers in Gaffney, SC](https://fairportbusinesscapital.com/faq/): Answers for Gaffney, SC and Cherokee County, SC owners on equipment financing as debt, financing a business purchase, line of credit terms and taxes, and whether a request affects credit. - [About Fairport Business Capital and Business Funding for Gaffney, SC Clothing Stores](https://fairportbusinesscapital.com/about/): Fairport Business Capital talks each funding need through by phone and then hands the request to funding partners. Each partner reviews the business, decides, and sets any terms. An owner can also apply at a bank or credit union directly. - [Talk With Fairport Business Capital About Financing a Gaffney, SC Gas Station or Auto Shop](https://fairportbusinesscapital.com/contact/): Fairport Business Capital takes calls at (864) 581-2210 and requests through the form. Good questions before any offer cover the total cost, how payments are taken, collateral, and what a partner will want to review. - [Start a Gaffney, SC Business Loan Application for Your Gas Station or Auto Shop](https://fairportbusinesscapital.com/apply/): Apart from its consent box, the request form holds only contact lines and the three ranges. Fairport talks the need through by phone and hands the request to funding partners, who ask for records and decide. - [Disclosures for Fairport Business Capital, Gaffney, SC](https://fairportbusinesscapital.com/disclosures/): Fairport Business Capital is a broker and not a lender. Funding partners review each request, decide, and set every rate and term in a written offer. ## Optional - [Full text of every page](https://fairportbusinesscapital.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://fairportbusinesscapital.com/sitemap.xml)