# Rowanwood Lenders > Rowanwood Lenders is a small-business funding broker at 150 11 E De Vargas St, Santa Fe, NM 87501 (phone (505) 407-7603). It helps businesses in Santa Fe, NM; Los Alamos, NM and across Santa Fe County, New Mexico, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Rowanwood Lenders connects you with lending partners; partners make credit decisions and set rates and terms. Rowanwood Lenders is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Rowanwood Lenders does not arrange personal, payday, auto title, mortgage or consumer loans, does not offer grants, does not arrange funding for agriculture or trucking, and does not serve customers in Spanish. Key facts: - Business type: small-business funding broker (not a lender) - Address: 150 11 E De Vargas St, Santa Fe, NM 87501, United States - Phone: (505) 407-7603 - Apply: https://rowanwoodlenders.com/apply/ - Service area: Santa Fe, NM; Los Alamos, NM and all of Santa Fe County, New Mexico - Language: English ## Funding options - [Compare Business Funding Options in Santa Fe, NM](https://rowanwoodlenders.com/business-loans/): Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, sets six options side by side on this page: working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. Each is sorted by how it is repaid or collected, what it fits, and what lending partners review. The credit call belongs to whichever partner reviews the file. - [Working Capital Financing in Santa Fe, New Mexico: What It Covers and Who It Fits](https://rowanwoodlenders.com/business-loans/working-capital/): Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, arranges working capital through lending partners for payroll, supplier invoices and tax payments that come due before revenue arrives. It is repaid over a short schedule. Partners review deposits and existing debt, make the decision and set the rate and terms. - [Business Term Loans in Santa Fe, New Mexico: What It Covers and Who It Fits](https://rowanwoodlenders.com/business-loans/term-loans/): Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, arranges business term loans through lending partners for remodels, expansions and paying off older debt. The loan is repaid in scheduled installments over a set term. Partners review cash flow, credit and purpose, decide, and set the rate and terms. - [Business Lines of Credit in Santa Fe, New Mexico: What It Covers and Who It Fits](https://rowanwoodlenders.com/business-loans/line-of-credit/): Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, arranges business lines of credit through lending partners for expenses that recur at uneven times. You draw against a limit, repay, and draw again. Partners review deposits, credit and existing debt, then decide the limit, rate and terms. - [Inventory Financing in Santa Fe, New Mexico: What It Covers and Who It Fits](https://rowanwoodlenders.com/business-loans/inventory-financing/): Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, arranges inventory financing through lending partners for retailers and wholesalers buying stock ahead of sales. The inventory typically serves as collateral and a lien may be filed. Partners review turnover, supplier invoices and deposits, decide, and set the rate and terms. - [Equipment Financing and Leasing in Santa Fe, New Mexico: What It Covers and Who It Fits](https://rowanwoodlenders.com/equipment-financing/): Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, arranges equipment financing and leasing through lending partners for dental chairs, kitchen lines, compact loaders, work vans and store systems. Typically the chair, oven or loader is the collateral. Partners review the quote, the asset's useful life and cash flow, then decide and set terms. - [Merchant Cash Advances in Santa Fe, New Mexico: What It Covers and Who It Fits](https://rowanwoodlenders.com/merchant-cash-advance/): Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, walks owners through merchant cash advances and introduces funders when one fits. A merchant cash advance is not a loan: it is a sale of future receipts, collected through a holdback or fixed debits. Funders review card and bank receipts and set the factor rate and terms. ## Industries - [Business Financing by Industry in Santa Fe, NM](https://rowanwoodlenders.com/industries/): Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, arranges funding for four sectors lending partners have confirmed: construction, restaurants, medical and dental practices, and retail. Each sector page uses Santa Fe County Census counts and explains which options suit its spending. Each lending partner reaches its own credit decision and fixes any rate and terms. - [Contractor and Construction Financing in Santa Fe, New Mexico: What It Covers and Who It Fits](https://rowanwoodlenders.com/industries/construction/): Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, arranges contractor financing through lending partners: equipment financing, working capital and lines of credit for payroll and materials between progress payments. Builders and trades made up 547 employer establishments in Santa Fe County, NM in 2023. Each lending partner reaches its own credit decision and fixes any rate and terms. - [Restaurant and Food Service Financing in Santa Fe, New Mexico: What It Covers and Who It Fits](https://rowanwoodlenders.com/industries/restaurants/): Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, arranges restaurant financing through lending partners: equipment financing for kitchens, term loans for remodels, and working capital or lines of credit for payroll. Santa Fe County had 400 food service and drinking place employers in 2023. Each lending partner reaches its own credit decision and fixes any rate and terms. - [Medical and Dental Practice Financing in Santa Fe, New Mexico: What It Covers and Who It Fits](https://rowanwoodlenders.com/industries/medical-dental/): Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, arranges medical and dental practice financing through lending partners: equipment financing for chairs and imaging, term loans for build-outs, and working capital for reimbursement gaps. Outpatient health care counted 446 employer establishments across Santa Fe County, NM in 2023. Each lending partner reaches its own credit decision and fixes any rate and terms. - [Retail Store Financing in Santa Fe, New Mexico: What It Covers and Who It Fits](https://rowanwoodlenders.com/industries/retail/): Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, arranges retail store financing through lending partners: term loans for fit-outs, equipment financing for fixtures and point-of-sale systems, inventory financing for stock, and working capital for timing gaps. Shops made up 793 employer establishments in Santa Fe County, NM in 2023, the largest sector. Each lending partner reaches its own decision and fixes any rate and terms. ## Guides and calculators - [New Mexico Business Funding Guides From Santa Fe, NM](https://rowanwoodlenders.com/resources/): Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, publishes guides for owners preparing to seek funding: a New Mexico readiness checklist, CRS number and tax registration records, City of Santa Fe and Santa Fe County license lookups, northern New Mexico help, and a business loan payment calculator. The credit call belongs to whichever partner reviews the file. - [How to Get a Business Loan in New Mexico: A Santa Fe, NM Checklist](https://rowanwoodlenders.com/resources/how-to-get-a-business-loan-in-new-mexico/): Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, sets out seven steps for getting a business loan in New Mexico: define the expense, confirm state registration, align tax records, check the local license, organize bank statements, list existing debts and liens, then choose an option. Each lending partner reaches its own credit decision and fixes the terms. - [New Mexico CRS Number and Business Tax Registration: What a Lender Sees](https://rowanwoodlenders.com/resources/new-mexico-crs-number-and-business-tax-registration/): Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, explains why lending partners ask about New Mexico tax registration and the CRS identification number, how to find your own record, and how to fix names that do not match across tax, entity and bank records. Each lending partner reaches its own credit decision and fixes any rate and terms. - [Santa Fe, NM Business License: Apply, Renew and Look It Up](https://rowanwoodlenders.com/resources/santa-fe-nm-business-license-guide/): Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, explains how to tell whether a business address falls inside the City of Santa Fe or in unincorporated Santa Fe County, and how to apply for, renew or look up a local business license before seeking funding. Each lending partner reaches its own credit decision and fixes any rate and terms. - [Free Small Business Help in Santa Fe, NM and Northern New Mexico](https://rowanwoodlenders.com/resources/northern-new-mexico-small-business-resources/): Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, lists the kinds of free help owners in northern New Mexico look for: small business development center advising, state financing programs, City of Santa Fe and Santa Fe County offices, chambers and federal programs. None is connected with the De Vargas Street brokerage. The credit call belongs to whichever partner reviews the file. - [Business Loan Payment Calculator for Santa Fe, NM Owners](https://rowanwoodlenders.com/resources/business-loan-payment-calculator/): Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, offers this business loan payment calculator. Enter an amount, an annual interest rate and a term in months to see the monthly payment, total interest and total repaid for a fixed-payment loan. Results are estimates; lending partners set actual rates and terms. ## Areas served - [Funding a Santa Fe, New Mexico Business: County Facts and Next Steps](https://rowanwoodlenders.com/santa-fe-nm/): Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, uses Census figures to frame local funding conversations: 4,976 employer establishments in Santa Fe County in 2023, 59.9% with fewer than five employees, and 1,269 employers in ZIP 87501 around E De Vargas St. Each lending partner reaches its own credit decision and fixes any rate and terms. - [Areas Served Around Santa Fe, New Mexico](https://rowanwoodlenders.com/service-areas/): Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, works with owners across Santa Fe County and nearby communities including Los Alamos, White Rock and Pecos. Requests move by phone and online from the single listed address on E De Vargas St. Each lending partner reaches its own credit decision and fixes any rate and terms. - [Business Funding for Los Alamos, New Mexico Owners Near Santa Fe, NM](https://rowanwoodlenders.com/service-areas/los-alamos-nm/): Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, handles Los Alamos, NM requests by phone and online. ZIP 87544 had 327 employer establishments in 2023, led by health care, other services and professional services. The community belongs to Los Alamos County, NM. Each lending partner reaches its own credit decision and fixes any rate and terms. ## Company - [Santa Fe, NM Business Funding Broker for Santa Fe County, NM](https://rowanwoodlenders.com/): Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, brings owners working capital, term loans, lines of credit, inventory and equipment financing, and merchant cash advances through lending partners. It is not a lender. Partners review each request, make the decision and set any rate and terms. Ring (505) 407-7603 or start with the short request form. - [How Rowanwood Lenders Works With Santa Fe, NM Owners](https://rowanwoodlenders.com/how-it-works/): Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, follows four stages: a call about the expense, a review of the business record, underwriting by a lending partner, and the owner's decision. Each lending partner reaches its own credit decision and fixes any rate and terms. Timing depends on the partner and on how complete the file is. - [Business Funding Questions From Santa Fe, NM Owners](https://rowanwoodlenders.com/faq/): Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, answers the questions owners raise most: what a broker does, whether personal loans suit business use, which New Mexico records partners check, and how merchant cash advances differ from loans. Each lending partner reaches its own credit decision and fixes any rate and terms. - [Request Funding Options From Santa Fe, NM](https://rowanwoodlenders.com/apply/): Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, takes requests through a short form: full name, phone, email and business name, three range picks (time in business, annual revenue, amount needed) and a consent checkbox. The purpose is the first thing we ask about on the callback. Each lending partner reaches its own credit decision and fixes any rate and terms. - [About Rowanwood Lenders, a Funding Broker in Santa Fe, NM](https://rowanwoodlenders.com/about/): Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, helps owners match an expense to one of six funding options and presents the request to lending partners. It does not lend, approve or price anything. Each lending partner reaches its own credit decision and fixes any rate and terms. The listed address is on E De Vargas St. - [Contact Rowanwood Lenders in Santa Fe, NM](https://rowanwoodlenders.com/contact/): Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, answers (505) 407-7603 and takes requests through a short online form. Its registry address reads 150 11 E De Vargas St, Santa Fe, NM 87501. Each lending partner reaches its own credit decision and fixes any rate and terms. - [Broker Disclosures for Rowanwood Lenders, Santa Fe, NM](https://rowanwoodlenders.com/disclosures/): Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, does not lend money, approve requests or set rates and terms. Lending partners and funders make those decisions, may check credit and may file liens. A merchant cash advance is not a loan. No page here is an offer of credit. ## Optional - [Full text of every page](https://rowanwoodlenders.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://rowanwoodlenders.com/sitemap.xml)