# Tealvale Capital Group > Tealvale Capital Group is a small-business funding broker at 29 Haili St, Hilo, HI 96720 (phone (808) 649-6596). It helps businesses in Hilo, HI; Keaau, HI; Kurtistown, HI; Mountain View, HI; Pahoa, HI and across Hawaii County, Hawaii, explore funding options. Business funding broker in Hilo, HI (Hawaii County). Explains working capital loans, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances; a request goes to funding partners, who set their own terms and decisions. Tealvale Capital Group is a business funding broker, not a lender. It passes funding requests to partner lenders and funding providers, and each partner reviews the business and makes its own decision. Tealvale Capital Group is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Tealvale Capital Group is not a lender and arranges no personal, payday, auto title or home mortgage loans, offers no grants, and arranges no funding for trucking or agriculture businesses. Key facts: - Business type: small-business funding broker (not a lender) - Address: 29 Haili St, Hilo, HI 96720, United States - Phone: (808) 649-6596 - Apply: https://tealvalecapitalgroup.com/apply/ - Places: Hilo, HI; Keaau, HI; Kurtistown, HI; Mountain View, HI; Pahoa, HI and all of Hawaii County, Hawaii - Language: English ## Funding options - [Types of Business Loans for Hilo, HI Physician Offices and Landscapers](https://tealvalecapitalgroup.com/business-loans/): Matching the product to the purchase does much of the work. A physician office buying an ultrasound unit and a landscaper covering payroll before a commercial client pays need different structures, and the sections below show where each type fits. - [Working Capital Loans for Hilo, HI Landscapers: Payroll, Supplies and Slow Weeks](https://tealvalecapitalgroup.com/business-loans/working-capital/): Working capital is about timing: the money goes out before the money comes in. This page covers who offers it, how long it lasts, what it can pay for and how a landscaping crew or a gift shop puts a request together. - [Business Term Loans for Hilo, HI Physician Offices Buying, Building or Expanding](https://tealvalecapitalgroup.com/business-loans/term-loans/): Term loans fit one-time costs with a clear price. This page covers acquisitions, the difference from a credit line, down payments when buying a shop, and how each payment splits between interest and principal. - [Business Lines of Credit in Hilo, HI for Physician Offices and Landscapers](https://tealvalecapitalgroup.com/business-loans/line-of-credit/): A line of credit is a standing option rather than a lump sum. The sections below cover how draws are charged, how limits and renewals are set, what a restaurant should have ready, and how to grow a limit. - [Inventory Financing for Physician Offices and Landscapers Around Hilo, HI](https://tealvalecapitalgroup.com/business-loans/inventory-financing/): The stock is the collateral, so the funding partner prices the request around the goods: what they cost, how soon they sell and what they would bring if they had to be sold. Each section below works through one part. - [Equipment Financing for Hilo, HI Landscapers: Loans and Leases by Machine Type](https://tealvalecapitalgroup.com/equipment-financing/): The machine shapes the financing. Its price, age, resale value and working life decide the term and whether a loan or a lease fits. The calculator on this page takes the price, any down payment, an annual rate and a term in months, and shows the monthly payment, the total interest and the total cost including the down payment. - [Merchant Cash Advances in Hilo, HI for Physician Offices and Landscapers With Card Sales](https://tealvalecapitalgroup.com/merchant-cash-advance/): An advance is priced with a factor rate, not an interest rate, and collected from card sales rather than on a calendar. Enter the advance amount, the factor rate, the holdback percentage and average daily card sales here; the calculator then returns the total remitted, the cost of the advance and the estimated business days to remit. ## Industries - [Restaurant Loans in Hilo, HI: Plate Lunch Kitchens, Shipped Equipment and Patios](https://tealvalecapitalgroup.com/industries/restaurants/): Funding for Hilo, HI restaurants: shipped kitchen equipment, patios, catering gear and restaurant purchases, with county restaurant counts. - [Medical Practice Loans in Hilo, HI: Island Clinics, Telehealth Carts and Exam Rooms](https://tealvalecapitalgroup.com/industries/medical-practices/): Funding for Hilo, HI physician offices and clinics: devices, buy-ins, software, billing staff and practice purchases, with county figures. - [Dental Office Loans in Hilo, HI: Shipped Equipment, Chairs and Lab Work](https://tealvalecapitalgroup.com/industries/dental-practices/): Funding for Hilo, HI dental offices: operatory equipment, imaging, software, practice purchases and refinancing, with county figures. - [Salon Business Loans in Hilo, HI: Booking Software and Front Desks](https://tealvalecapitalgroup.com/industries/salons/): Funding for Hilo, HI hair, nail and barber businesses: stations, portable filtration, movable furnishings and salon purchases, with county counts. - [Business Loans for Retail in Hilo, HI: Gift Shops, Apparel and Container Shipments](https://tealvalecapitalgroup.com/industries/retail/): Funding for Hilo, HI gift shops, boutiques and stores: stock orders, fixtures, POS systems and vans, with county and ZIP retail figures. - [Financing for Contractors in Hilo, HI: Home Builders, Roofers and Shipped Materials](https://tealvalecapitalgroup.com/industries/construction/): Funding for Hilo, HI home builders and contractors: equipment, materials, payroll gaps, retainage and buying a business, with county data. - [Landscaping Equipment Financing in Hilo, HI: Brush Cutters, Chippers and Tree Crews](https://tealvalecapitalgroup.com/industries/landscaping/): Funding for Hilo, HI landscapers, lawn care and tree crews: mowers, chippers, skid steers, upfits and payroll gaps, with county data. - [Auto Repair Shop Loans in Hilo, HI: Shipped Parts, Lifts and Rust Repair Gear](https://tealvalecapitalgroup.com/industries/auto-repair/): Funding for Hilo, HI repair, collision and tire shops: lifts, scan tools, parts, hiring and shop purchases, with county figures. - [Hilo, HI Hotel Loans: Wi-Fi, Key Card Systems and Cameras](https://tealvalecapitalgroup.com/industries/hotels-and-motels/): Funding for Hilo, HI hotels and motels: technology, movable room furnishings, FF&E, linens and payroll, without property loans. - [Daycare Center Financing in Hilo, HI: Classroom Technology and Check-In Systems](https://tealvalecapitalgroup.com/industries/daycare-centers/): Funding for Hilo, HI daycare centers and preschools: movable classroom furniture, infant equipment, indoor equipment, kitchens and payroll, with county figures. - [Hilo, HI Cafe Business Loans: Patio Seating and Shade](https://tealvalecapitalgroup.com/industries/cafes-and-coffee-shops/): Funding for Hilo, HI cafes and coffee shops: movable fixtures, espresso and bakery equipment, outdoor furniture, buyouts and second kiosks. - [Manufacturing Equipment Financing in Hilo, HI: Food Processing, Bottling and Roasting](https://tealvalecapitalgroup.com/industries/manufacturing/): Funding for Hilo, HI manufacturers: food processing and bottling equipment, CNC and coating lines, second shifts and raw materials. - [Business Loans for Real Estate Agents in Hilo, HI: Office Leases, Signage and Marketing](https://tealvalecapitalgroup.com/industries/real-estate-agents/): Funding for Hilo, HI real estate agents and offices: leases, movable office furniture, marketing, software and buyouts, never property purchases. - [Business Loans by Industry for Hilo, HI: From Physician Offices to Landscapers](https://tealvalecapitalgroup.com/industries/): Thirteen trade pages for Hilo, HI, short notes with Hawaii County, HI counts for eight more trades (accounting, law, insurance, therapy offices, gyms, plumbers, electricians and gasoline stations), and what to do when a business fits no page. ## Tools and calculators - [Hilo, HI Small Business Guides for Physician Offices and Landscapers](https://tealvalecapitalgroup.com/resources/): Loan preparation steps for a coffee bar with a worked payment example, a six-part plan outline for a landscaping crew, a starting document list, permit questions to settle before a lease, and the amortization calculator. - [Business Loan Amortization Calculator for Hilo, HI Shops and Restaurants](https://tealvalecapitalgroup.com/resources/business-loan-amortization-calculator-hilo-hi/): The calculator takes three inputs and returns three outputs. The sections below use it for an equipment loan and a term loan, show the first months of a schedule, and explain why a factor-rate advance does not amortize. ## Communities near Hilo, HI - [Business Loans in Hilo, HI: Hawaii County, HI Business Data for Physician Offices and Landscapers](https://tealvalecapitalgroup.com/hilo-hi/): Lender types for Hilo, HI practices, a purpose-to-product table with an invented mower example, license and chamber questions, a contractor and landlord lookup routine, and the gift-shop lease terms a partner reads. - [Business Loans for Communities Around Hilo, HI, From Physician Offices to Landscapers](https://tealvalecapitalgroup.com/service-areas/): ZIP Code employer counts for five Hawaii County, HI communities and how far each ZIP reaches past its community, lease checklists for coffee bars and restaurants, gift-shop funding options and the request steps. ## Company - [Small Business Loans in Hilo, HI for Restaurants, Landscapers and Gift Shops](https://tealvalecapitalgroup.com/): More than half of the island's employer businesses are very small: County Business Patterns counted 2,446 of Hawaii County, HI's 4,400 employer establishments, or 55.6%, below five employees in 2023. Small businesses like those weigh the same choices this page walks through: a credit line or a term loan, a lease or a loan for equipment, and what a plan has to show. - [How to Get a Business Loan in Hilo, HI: Steps for Restaurants and Home Builders](https://tealvalecapitalgroup.com/how-it-works/): A call or a form sent to Tealvale Capital Group starts the request, which then goes on to funding partners. Each partner runs its own review and sets its own requirements, so the sections below explain what a review looks at and what to have ready, not a fixed checklist every partner uses. - [Business Loan Questions and Answers for Hilo, HI Physician Offices and Landscapers](https://tealvalecapitalgroup.com/faq/): Each answer stands on its own. Where a funding partner sets the rule, the answer explains what a request includes instead of naming a threshold. - [About Tealvale Capital Group: Business Loan Help for Hilo, HI Physician Offices and Landscapers](https://tealvalecapitalgroup.com/about/): A short account of how a funding request moves from a Hilo, HI business to a funding partner, which kinds of lenders exist for a small business, and the three ways to reach Tealvale Capital Group. - [Contact Tealvale Capital Group About a Business Loan for Your Hilo, HI Gift Shop](https://tealvalecapitalgroup.com/contact/): Phone, form and office details for Tealvale Capital Group, plus four groups of questions: for the business itself, about the loan, for the lender, and for the first call. - [Business Loan Application for Hilo, HI Physician Offices and Landscapers](https://tealvalecapitalgroup.com/apply/): What the form asks, the records worth having ready, a checklist for coffee and snack shops, and the steps a landscaping crew follows. - [Disclosures for Tealvale Capital Group, Hilo, HI](https://tealvalecapitalgroup.com/disclosures/): Role, decisions, sources of figures and exclusions, stated plainly. ## Optional - [Full text of every page](https://tealvalecapitalgroup.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://tealvalecapitalgroup.com/sitemap.xml)