# Ferndale Lending > Ferndale Lending is a small-business funding broker at 209 S Poindexter St, Elizabeth City, NC 27909 (phone (252) 318-8165). It helps businesses in Elizabeth City, NC and across Pasquotank County, North Carolina, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Ferndale Lending refers business funding requests to funding partners; each partner reviews a request on its own and sets any credit decision, rate and terms. Ferndale Lending is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Ferndale Lending 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: 209 S Poindexter St, Elizabeth City, NC 27909, United States - Phone: (252) 318-8165 - Apply: https://ferndalelending.com/apply/ - Service area: Elizabeth City, NC and all of Pasquotank County, North Carolina - Language: English ## Funding options - [Types of Business Loans in Elizabeth City, NC for Restaurants and Gas Stations](https://ferndalelending.com/business-loans/): This page from Ferndale Lending in Elizabeth City, North Carolina compares six funding types for Pasquotank County, NC owners: term loans, lines of credit, working capital, inventory financing, equipment financing and merchant cash advances. It sets out what each one pays for, how it is paid back or collected, and where one fits better than another. - [Working Capital Loans for Elizabeth City, NC Restaurants Between Receivables](https://ferndalelending.com/business-loans/working-capital/): Payroll and supplier bills that fall due before customers pay are what working capital covers, and Ferndale Lending in Elizabeth City, North Carolina passes those requests to funding partners. This page explains how a working capital loan works, how to size one from your own bills and deposits, payroll funding for small employers in Pasquotank County, NC, and the records a partner reads before it decides. - [Business Term Loans in Elizabeth City, NC: Fixed Payments for Gas Stations](https://ferndalelending.com/business-loans/term-loans/): Ferndale Lending matches term loan requests from Elizabeth City, North Carolina with funding partners. This page explains how a fixed-payment schedule works, how term loans are used to buy an existing business in Pasquotank County, NC, what online term loans involve, and the records partners read for acquisitions and refits. - [Business Lines of Credit in Elizabeth City, NC for Restaurants and Gas Stations](https://ferndalelending.com/business-loans/line-of-credit/): For bills that come back every week or month, Ferndale Lending in Elizabeth City, North Carolina sends line of credit requests on to funding partners. This page explains how draws and interest work, what partners look at before setting a limit, how contractors and repair shops in Pasquotank County, NC use a line, and which terms to read in an offer. - [Inventory Financing in Elizabeth City, NC for Restaurants and Seasonal Stock](https://ferndalelending.com/business-loans/inventory-financing/): Stock bought ahead of the sale is the subject here: Ferndale Lending, in Elizabeth City, North Carolina, passes inventory financing requests to funding partners. This page covers how inventory loans work, pre-season stock buying for Pasquotank County, NC stores, the choice between a loan and a credit line for stock, and the records partners read when goods secure the funding. - [Equipment Financing and Leasing in Elizabeth City, NC for Home Builders](https://ferndalelending.com/equipment-financing/): Ferndale Lending matches equipment financing and leasing requests from Elizabeth City, North Carolina with funding partners. This page covers equipment for physician and dental offices, restaurants, fuel stops, builders and gyms in Pasquotank County, NC, how to get equipment financing, and how an equipment lease works. - [Merchant Cash Advances in Elizabeth City, NC: How Card-Sales Remittance Works for Restaurants](https://ferndalelending.com/merchant-cash-advance/): Ferndale Lending matches merchant cash advance requests from Elizabeth City, North Carolina with funding partners. This page explains how card-sales remittance and holdbacks work for restaurants and fuel stops in Pasquotank County, NC, how an advance differs from revenue-based funding and daily-payment loans, and what stacking several advances does to a business. ## Industries - [Business Loans by Industry in Elizabeth City, NC: Retail Stores, Physician Offices and Restaurants](https://ferndalelending.com/industries/): Ferndale Lending in Elizabeth City, North Carolina groups its funding notes by trade. Five trades have full pages: restaurants, medical practices, retail, construction and gas stations. The notes below cover dentists, therapy offices, salons, gyms, repair shops, hotels and professional offices with Pasquotank County, NC Census counts for 2023. - [Elizabeth City, NC Restaurant Loans: Hood Replacements and Dining Room Refits](https://ferndalelending.com/industries/restaurants/): Kitchens and dining rooms in Elizabeth City, North Carolina can send restaurant loan requests through Ferndale Lending to funding partners. The 2023 County Business Patterns count for Pasquotank County, NC: 39 full-service and 38 limited-service restaurant employers. This page covers loans for kitchens and dining rooms, restaurant funders, cash advances, food trucks and buying a restaurant. - [Elizabeth City, NC Medical Practice Loans: Adding a Provider or a Second Suite](https://ferndalelending.com/industries/medical-practices/): Physician, dental and therapy offices in Elizabeth City, North Carolina can send practice loan requests through Ferndale Lending to funding partners. Offices of physicians rank second among Pasquotank County, NC's 2023 industry groups by employer establishments, with 49, behind only restaurants and other eating places at 84 (County Business Patterns). This page covers adding a provider, clinic build-outs, equipment leasing and practice lines of credit. - [Elizabeth City, NC Business Loans for Retail: Point-of-Sale, Fixtures and Second Locations](https://ferndalelending.com/industries/retail/): Stores in Elizabeth City, North Carolina can send funding requests for stock, fixtures and new locations through Ferndale Lending to funding partners. Retail Trade had more employer establishments than any other sector in Pasquotank County, NC in 2023: 179 (County Business Patterns). This page covers retail business loans, boutiques and clothing stores, retail funders and buying a shop. - [Financing for Contractors in Elizabeth City, NC: Builders and Specialty Trades](https://ferndalelending.com/industries/construction/): Builders and specialty trades in Elizabeth City, North Carolina can send funding requests through Ferndale Lending to funding partners. Pasquotank County, NC had 79 construction employers in 2023 and permits for 274 new housing units in 2025 (Census Bureau). This page covers construction equipment financing, used heavy equipment, skid steers and loans for running a construction business. - [Elizabeth City, NC Gas Station Financing: Fuel Stations and Convenience Stores](https://ferndalelending.com/industries/gas-stations-convenience-stores/): Fuel stops and the stores beside their pumps in Elizabeth City, North Carolina can send funding requests through Ferndale Lending to funding partners. Pasquotank County, NC had 26 gasoline stations with 176 employees in 2023 (County Business Patterns). This page covers convenience store loans, buying a station, working capital for fuel and stock, and beer and wine sales. ## Guides and calculators - [Business Funding Resources for Elizabeth City, NC Restaurants and Gas Stations](https://ferndalelending.com/resources/): Ferndale Lending in Elizabeth City, North Carolina publishes two practical guides and one calculator: where to check zoning, flood zones and building permits before funding a build-out, the steps toward a North Carolina food service permit for a kitchen or truck, and a payment calculator for medical equipment. - [Elizabeth City, NC Zoning Map, Flood Zones and Building Permits for a Business Site](https://ferndalelending.com/resources/elizabeth-city-nc-zoning-and-building-permits/): This guide from Ferndale Lending in Elizabeth City, North Carolina explains what an owner should check about a business site before a funded build-out: the zoning district and ordinance, the city planning office, flood zone maps, building permits and inspections, and what to read in a commercial lease. Rules and fees are set by each office; confirm details with them. - [NC Food Service Permit Steps for Elizabeth City, NC Restaurants Adding a Kitchen or Truck](https://ferndalelending.com/resources/nc-food-service-permit/): This guide from Ferndale Lending in Elizabeth City, North Carolina explains the order of steps toward a North Carolina food service permit for a new or remodeled restaurant or a food truck, how temporary event permits differ, and how to time permits against equipment and build-out financing. Rules and fees are set by the state and the local health department; confirm them there. - [Medical Equipment Loan Calculator for Elizabeth City, NC Physician and Therapy Offices](https://ferndalelending.com/resources/medical-equipment-loan-calculator/): Ferndale Lending built this medical equipment loan calculator for physician, dental and therapy offices in Elizabeth City and Pasquotank County, North Carolina. Enter a price, down payment, rate and term to see an estimated monthly payment and total cost. This page covers practice equipment financing; it does not cover patient financing. ## Areas served - [Business Loans in Elizabeth City, NC: ZIP 27909 Counts and the Pasquotank County, NC Payroll Picture](https://ferndalelending.com/elizabeth-city-nc/): Census business counts for ZIP 27909 and Pasquotank County, NC are gathered here by Ferndale Lending, a funding service in Elizabeth City, North Carolina. This page gathers the ZIP 27909 and Pasquotank County, NC business counts from the Census Bureau, explains which lenders and funding partners serve the city, and lists what owners compare before a request. The city reaches into Camden County, NC, so county figures are labeled as county figures. - [Business Loans Around Elizabeth City, NC: Pasquotank County, NC Towns for Physician Offices and Restaurants](https://ferndalelending.com/service-areas/): Ferndale Lending, in Elizabeth City, North Carolina, takes funding requests by phone and web form from businesses in Pasquotank County, NC and nearby counties. This page names the towns around the city, gives ZIP Code Business Patterns counts for 2023, and explains why ZIP counts are not town counts. ## Company - [Small Business Loans in Elizabeth City, NC: Funding for Gyms, Clinics and Fuel Stops](https://ferndalelending.com/): Ferndale Lending helps owners in Elizabeth City, North Carolina turn a bill into a funding request. An owner phones or fills in a short web form, the bill and its timing are sorted against six funding types, and the request goes to funding partners. Each partner reviews it and sets its own approval, amount and terms. - [How to Get a Business Loan in Elizabeth City, NC: What Restaurants and Gas Stations Prepare](https://ferndalelending.com/how-it-works/): This page from Ferndale Lending in Elizabeth City, North Carolina sets out how a funding request moves from a first phone call or web form to a partner's decision, and which documents are asked for at each point: by banks for commercial loans, by online funders, and by partners reviewing restaurants, fuel stops, retail stores and physician offices in Pasquotank County, NC. - [Business Loan FAQ for Elizabeth City, NC Home Builders and Retail Stores](https://ferndalelending.com/faq/): Ferndale Lending in Elizabeth City, North Carolina answers recurring questions from Pasquotank County, NC owners: whether a small business loan needs collateral, the role of an EIN, how applying and holding a business line of credit can touch a credit score, and whether a line needs collateral. - [About Ferndale Lending: Business Loan Requests for Elizabeth City, NC Restaurants and Gas Stations](https://ferndalelending.com/about/): Ferndale Lending, based at 209 S Poindexter St in Elizabeth City, North Carolina, helps Pasquotank County, NC owners describe a funding need and passes the request to funding partners. Partners review each request and set any approval, amount and terms. This page explains how business loans and underwriting work and what partners look for. - [Contact Ferndale Lending in Elizabeth City, NC: Funding Questions From Restaurants and Gas Stations](https://ferndalelending.com/contact/): Ferndale Lending is reached by phone at (252) 318-8165 or through the web form, and is listed at 209 S Poindexter St, Elizabeth City, NC 27909. No email address is published. This page lists questions worth asking before any business loan and explains the commercial loan underwriting process. - [Apply for a Business Loan in Elizabeth City, NC: Request Form for Physician Offices and Restaurants](https://ferndalelending.com/apply/): This page holds the Ferndale Lending web form for business funding requests from Elizabeth City and Pasquotank County, North Carolina. The form asks for contact details and three ranges and ends with a required consent box; partners name any documents later. Below the form: where to apply, the documents partners ask for and a checklist. - [Disclosures for Ferndale Lending, Elizabeth City, NC](https://ferndalelending.com/disclosures/): Ferndale Lending in Elizabeth City, North Carolina is a funding broker, not a lender. It refers funding requests to partners that review them and make their own decisions on approval and terms. A merchant cash advance is not a loan. Read every offer in full before signing. ## Optional - [Full text of every page](https://ferndalelending.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://ferndalelending.com/sitemap.xml)