# Heathfield Commercial Capital > Heathfield Commercial Capital is a small-business funding broker at 85 N Cache St, Jackson, WY 83001 (phone (307) 248-6867). It helps businesses in Jackson, WY; Wilson, WY and across Teton County, Wyoming, explore funding options. Heathfield Commercial Capital takes business funding requests for working capital, term loans, credit lines, equipment, inventory and merchant cash advances. Heathfield Commercial Capital passes business funding requests to funding partners. Partners review each request, make every credit decision and set any rate and terms; Heathfield Commercial Capital does not make loans. Heathfield Commercial Capital is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Heathfield Commercial Capital does not arrange funding for trucking companies, agriculture, startups without revenue, personal or consumer loans, real estate purchases or building construction loans. Key facts: - Business type: small-business funding broker (not a lender) - Address: 85 N Cache St, Jackson, WY 83001, United States - Phone: (307) 248-6867 - Apply: https://heathfieldcommercialcapital.com/apply/ - Places: Jackson, WY; Wilson, WY and all of Teton County, Wyoming - Language: English ## Funding options - [Jackson, WY Types of Business Loans: Which Product Fits Which Bill](https://heathfieldcommercialcapital.com/business-loans/): A side-by-side look at the six funding products open to Jackson, WY businesses, from a revolving line to an equipment lien. Of the six, only the merchant cash advance sits outside lending: its price is set by a factor and taken from card sales. - [Working Capital Loans in Jackson, WY: Bridging the Wait for a Commission Check](https://heathfieldcommercialcapital.com/business-loans/working-capital/): A working capital loan is one sum for operating costs, paid back in fixed installments over a short term. It suits a gap with an end date, such as a real estate office waiting on closings, not a purchase that lasts for years. - [Jackson, WY Business Term Loans: One Sum, a Fixed Schedule, a Known Last Payment](https://heathfieldcommercialcapital.com/business-loans/term-loans/): A term loan pays one sum and is paid back in level monthly payments over a set term. It suits buyouts and large purchases; a longer term lowers the payment but raises the total interest, as the worked examples here show. - [Business Lines of Credit in Jackson, WY: Room for Beverage Stock and Repair Bills](https://heathfieldcommercialcapital.com/business-loans/line-of-credit/): A business line of credit is a limit drawn on as costs come up and paid down afterward. Interest generally runs only on what is drawn. It fits repeat costs; a one-time purchase that lasts years fits a term loan better. - [Jackson, WY Inventory Financing: Paying the Supplier Before the Stock Sells](https://heathfieldcommercialcapital.com/business-loans/inventory-financing/): Inventory financing covers a stock purchase that will turn back into cash once the goods sell. The goods can serve as collateral, terms are short, and the payment plan should end around the time the stock is expected to sell through. Funding partners set the advance, the rate and the term. - [Equipment Financing in Jackson, WY: Spreading a Machine's Price Over Its Working Years](https://heathfieldcommercialcapital.com/equipment-financing/): Equipment financing spreads the price of a machine over the years it will work, with the machine as collateral. A loan or finance agreement puts it in the business's name from the start; a lease is rent with an end date and a choice at the end. The calculator on this page works out a payment from price, down payment, rate and term. - [Merchant Cash Advances in Jackson, WY: Cash Now, Collected From Future Card Sales](https://heathfieldcommercialcapital.com/merchant-cash-advance/): With a merchant cash advance, a provider pays now for a slice of card sales the business has yet to make. The provider pays a lump sum, the factor rate sets the total to be collected, and the holdback sets the share of each day's card sales that goes toward it. Slower sales stretch the time; they do not change the total. ## Industries - [Jackson, WY Restaurant Loans for a Convection Oven, Used Kitchen Gear and Food Orders Paid on Delivery](https://heathfieldcommercialcapital.com/industries/restaurants/): Equipment financing suits ovens and refrigeration, a credit line suits food orders paid on delivery, and a working capital loan suits a one-time bill. Funding partners get the request through Heathfield and set the terms. - [Medical Practice Loans in Jackson, WY for Exam-Room Equipment, a Locum Invoice and a Second Office](https://heathfieldcommercialcapital.com/industries/medical-practices/): Equipment financing suits exam-room purchases, a credit line suits a one-time staffing invoice, and the space itself is property work outside this site. No offer exists until a funding partner reviews the request and chooses to make one. - [Hotel Loans for Jackson, WY Hotels and Motels: Keycard Locks, Fridge Units and Room TVs](https://heathfieldcommercialcapital.com/industries/hotels-and-motels/): Hotels and motels can request equipment financing for lock sets, fridge units and TVs, and working capital for linens and repair bills. Buying the property, work on the building and room heating or cooling units are outside this site. - [Landscaping Equipment Financing in Jackson, WY Worked Through a Mower Purchase and a Crew Payroll Wait](https://heathfieldcommercialcapital.com/industries/landscaping/): Mowers, spreaders and sod cutters fit equipment financing; crew payroll during an invoice wait and job materials fit a credit line or working capital. The reviewing funding partner, not Heathfield, sets any terms. - [Financing for Contractors in Jackson, WY: A Telehandler, Scissor Lifts and an Equipment Repair Bill](https://heathfieldcommercialcapital.com/industries/construction/): Contractors can request equipment financing for machines and a credit line or working capital for repair bills and progress-billing gaps. Lots, spec houses and building construction loans stay outside this site. - [Business Loans for Retail in Jackson, WY: Store Fixtures, Gondola Shelving and Stock Buys](https://heathfieldcommercialcapital.com/industries/retail/): Supplier terms suit a credit line, fixtures and shelving suit equipment financing, and stock buys suit inventory financing or a card-sales advance. Work on the store space itself is outside this site. - [Auto Repair Shop Loans in Jackson, WY Worked Through a Brake Lathe, a Parts Account and an Alignment Machine](https://heathfieldcommercialcapital.com/industries/auto-repair/): Equipment financing fits lathes, jacks, scan tools and an alignment machine. A credit line fits parts bought for fleet customers on 30-day terms. Floor, wiring and bay work on the building is outside this site. - [Business Loans for Real Estate Agents in Jackson, WY: A Drone Kit, Freestanding Signs and Laptops for a New Agent Class](https://heathfieldcommercialcapital.com/industries/real-estate-agents/): Equipment financing or a term loan suits drones, printers, signs and agent laptops. A business line of credit suits CRM seats and listing marketing that recur each month. Buying office space is outside this site. - [Manufacturing Equipment Financing in Jackson, WY: A Fiber Laser Package, a Cash Reserve and a New Contract](https://heathfieldcommercialcapital.com/industries/manufacturing/): Equipment financing suits the laser and tooling; inventory financing or a credit line suits steel and packaging for a contract; a credit line suits added-shift wages. New electrical service and floor work are building work. - [Accounting Firm Loans in Jackson, WY: Practice Software, a Client List Purchase and Annual Renewals](https://heathfieldcommercialcapital.com/industries/accounting-firms/): A term loan fits a client list purchase. Equipment financing fits scanners, servers and workstations. A credit line fits annual renewals paid down over a few months. Office real estate is outside this site. - [Law Firm Loans in Jackson, WY: Case-Management Software, Case Costs and an Office Move](https://heathfieldcommercialcapital.com/industries/law-firms/): A credit line fits case costs advanced until a matter resolves. Equipment financing fits a document server and scanners. A working capital loan fits movers and overlapping rent. Litigation funding and office buildings are outside this site. - [Chiropractic Practice Loans in Jackson, WY for Treatment Tables, Ultrasound Units and a New Therapist](https://heathfieldcommercialcapital.com/industries/chiropractic-and-therapy-practices/): Equipment financing fits tables and ultrasound units. A working capital loan fits a new therapist’s wages for a set number of months. Inventory financing or a credit line fits braces and supports kept as stock. - [Jackson, WY Business Loans by Industry: A Law Office Payroll, a Kitchen Repair Bill and a Lodge's Records](https://heathfieldcommercialcapital.com/industries/): Trade notes for Jackson, WY owners: which of the six funding products fits a payroll gap, a repair invoice or an equipment purchase, with Teton County, WY establishment counts from County Business Patterns 2023. Trucking and agriculture are outside this site. ## Tools and calculators - [Small Business Resources for Jackson, WY: A Documents Checklist, a Loan-Prep Order and a Payment Calculator](https://heathfieldcommercialcapital.com/resources/): A documents checklist, a preparation order, a business plan outline and the commercial term loan calculator, written around Teton County, WY crews and lodges, plus links to official Wyoming and Teton County, WY websites. - [Commercial Term Loan Calculator for Jackson, WY: Fixed Payments From Amount, Rate and Term](https://heathfieldcommercialcapital.com/resources/commercial-term-loan-calculator/): The calculator works out level monthly payments only: enter the amount, the annual rate and the term in months. It does not handle fees, draws, balloon payments or yield; the examples on this page work those by hand. Any real rate comes from a funding partner's offer. ## Jackson, WY and nearby communities - [Business Loans in Jackson, WY for an Added Assistant, a Second Location or a Hardscape Saw](https://heathfieldcommercialcapital.com/jackson-wy/): Heathfield Commercial Capital talks Jackson, WY funding requests through and hands them to funding partners, who decide. This page prices an assistant hire at a real estate office, a restaurant's second location and a landscaping crew's hardscape saw, lists records an engineering firm may be asked for, and sets ZIP 83001 next to Teton County, WY. - [Wilson, WY Business Loans, Worked Through a Real Estate Office's Commission Gap](https://heathfieldcommercialcapital.com/service-areas/wilson-wy/): Wilson, WY is a census-designated place, and Business Patterns count employers by county and ZIP rather than by community, so the business figures here are for ZIP 83014. An invented real estate office shows how a line of credit may carry costs while a closing is pending, and the lease sections list questions for a landlord and records a landlord may ask for. - [Business Loans Around Jackson, WY: Nearby Communities, ZIP Codes and County Lines](https://heathfieldcommercialcapital.com/service-areas/): One phone line and one request page work for businesses around Jackson, WY. Each nearby place is described with its own ZIP figures, never another county's: Victor, ID and Driggs, ID are in Teton County, ID, and Alpine, WY is in Lincoln County, WY. ## Company - [Small Business Loans in Jackson, WY, Matched to What the Money Pays For](https://heathfieldcommercialcapital.com/): Jackson, WY owners call or send a short form; Heathfield Commercial Capital forwards it, and the funding partner that reviews it sets any terms. Match the product to the bill: a credit line for repeat costs, a term loan for one-time purchases, working capital for gaps. - [How to Get a Business Loan in Jackson, WY: The Path From a First Call to a Partner Decision](https://heathfieldcommercialcapital.com/how-it-works/): A phone call opens a request, and so does the form on this site. Funding partners review it, may ask for records such as bank statements and quotes, and decide whether to make an offer. The owner compares any offer and decides. The form itself is no credit application. - [Business Loan Questions in Jackson, WY, Answered One Topic at a Time](https://heathfieldcommercialcapital.com/faq/): A request through this site is no credit application, though a partner may check credit while it reviews. Buying a going concern can be requested as a term loan for its business side. Tax treatment of interest is a question for a tax preparer. Lines run for a term and can be reviewed at renewal. What counts as collateral is set by each partner for each product. - [Heathfield Commercial Capital: A Jackson, WY Desk for Small Business Funding Requests](https://heathfieldcommercialcapital.com/about/): Heathfield Commercial Capital talks funding requests through by phone and hands them on to funding partners; it does not decide them. An owner can also ask a bank, a credit union or an equipment seller. Partners put any rate and terms in writing. - [Call Heathfield Commercial Capital in Jackson, WY Before a Funding Request Goes Out](https://heathfieldcommercialcapital.com/contact/): Phone (307) 248-6867 to talk a request through; the request form has its own page. Ask any funding source about total cost, payment days, early payoff and collateral, and keep revenue figures and current debts close by during the call. - [Begin a Business Funding Request for a Jackson, WY Company](https://heathfieldcommercialcapital.com/apply/): The form takes seven entries plus consent, and sending it does not amount to applying for credit. After a call, the request moves on to funding partners, who may ask for statements, a tax return and a debt list and who decide on their own. - [How Heathfield Commercial Capital Handles Funding Requests: Disclosures for Jackson, WY](https://heathfieldcommercialcapital.com/disclosures/): Heathfield Commercial Capital hands requests to funding partners and is not a lender. Partners decide and set any terms. Local figures come from Census programs with their year; worked examples are invented. ## Optional - [Full text of every page](https://heathfieldcommercialcapital.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://heathfieldcommercialcapital.com/sitemap.xml)