# Valleyridge Financial > Valleyridge Financial is a small-business funding broker at 2427 N 5th St, Prescott Valley, AZ 86314 (phone (928) 397-9069). It helps businesses in Prescott Valley, AZ; Cottonwood, AZ and across Yavapai County, Arizona, explore equipment loans and leases, working capital loans, small business term loans, business lines of credit, inventory loans, and merchant cash advances. Valleyridge Financial passes funding requests to funding partners; each partner reviews a request and makes its own credit decision and sets its own price and terms. Valleyridge Financial is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Valleyridge Financial does not arrange personal, payday, auto title, mortgage, startup or SBA loans, does not offer grants, and does not arrange funding for trucking companies or agriculture. Key facts: - Business type: small-business funding broker (not a lender) - Address: 2427 N 5th St, Prescott Valley, AZ 86314, United States - Phone: (928) 397-9069 - Apply: https://valleyridgefinancial.com/apply/ - Service area: Prescott Valley, AZ; Cottonwood, AZ and all of Yavapai County, Arizona - Language: English ## Funding options - [Business Funding Options in Prescott Valley, AZ, From Crew Trucks to Credit Lines](https://valleyridgefinancial.com/business-loans/): Six funding types compared for Yavapai County, AZ builders, clinics, salons and kitchens: what each pays for, what is pledged, and how it is repaid or collected. Valleyridge Financial passes requests to funding partners, who set any terms. - [Working Capital Financing in Prescott Valley, AZ for Lumber, Payroll and Supplier Bills](https://valleyridgefinancial.com/business-loans/working-capital/): Working capital loans for Yavapai County, AZ builders, clinics and shops: what they pay for, payroll use, how they compare with a line of credit and a term loan, and the records a partner reads. Valleyridge Financial passes requests to funding partners. - [Small Business Term Loans in Prescott Valley, AZ for Second Clinics, Buyouts and Shops](https://valleyridgefinancial.com/business-loans/term-loans/): Term loans for Yavapai County, AZ practices, salons and shops: buying an existing business, secured and unsecured terms, how a term loan compares with a line of credit, and an invented five-year schedule. Funding partners set any terms. - [Business Lines of Credit in Prescott Valley, AZ: Draws for Lumber, Payroll and Stock](https://valleyridgefinancial.com/business-loans/line-of-credit/): Revolving and non-revolving business lines of credit for Yavapai County, AZ contractors, salons and clinics: how limits are set, what a line should not pay for, eligibility after two years open, and an invented quarter of draws. - [Inventory Loans in Prescott Valley, AZ for Building Supplies, Parts and Salon Product](https://valleyridgefinancial.com/business-loans/inventory-financing/): Inventory financing for Yavapai County, AZ contractors, stores and salons: loans for stock bought ahead of a job, lines for stock that turns monthly, the reports a partner reads, and an invented paver purchase. - [Business Equipment Financing in Prescott Valley, AZ: Skid Steers, Ranges and CNC Mills](https://valleyridgefinancial.com/equipment-financing/): Equipment loans and leases for Yavapai County, AZ builders, landscapers, kitchens, fabricators, salons and studios: what each trade finances, how the machine secures the loan, and an invented track loader quote over five years. - [Business Cash Advance in Prescott Valley, AZ: Card-Sales Funding for Salons and Cafes](https://valleyridgefinancial.com/merchant-cash-advance/): Merchant cash advances for Yavapai County, AZ salons, cafes and shops: how a provider buys future card sales, how that differs from revenue-based financing and from a term loan, how it shows on a bank statement, and an invented advance in dollars. ## Industries - [Business Loans by Industry in Prescott Valley, AZ: From Home Builders to Cafes](https://valleyridgefinancial.com/industries/): Fourteen industry pages for Yavapai County, AZ businesses, with the Census counts behind each and notes on trades that fall below the page threshold. - [Construction Business Loans in Prescott Valley, AZ for Home Builders and Trades](https://valleyridgefinancial.com/industries/construction/): Valleyridge Financial in Prescott Valley, Arizona passes funding requests from Yavapai County home builders and trade contractors to funding partners. This page covers draw gaps, equipment, contractor lenders, bonding, concrete equipment and the county building counts. - [Business Loans for Retail in Prescott Valley, AZ: Stock, Fixtures and New Storefronts](https://valleyridgefinancial.com/industries/retail/): Retail funding for Yavapai County, AZ stores: shopping-center upfits, fixtures, second locations and stock, the county store counts by type, and an invented fit-out paid two ways. - [Restaurant Loans in Prescott Valley, AZ for Kitchens, Patios and New Units](https://valleyridgefinancial.com/industries/restaurants/): Funding for Yavapai County, AZ restaurants: second units, projections partners ask for, patio projects, kitchen remodels and separate equipment financing, the county restaurant counts and an invented hood and fryer replacement. - [Medical Practice Loans in Prescott Valley, AZ for New Offices, Imaging and Buy-Ins](https://valleyridgefinancial.com/industries/medical-practices/): Funding for Yavapai County, AZ physician offices: adding providers, satellite offices, payroll before claims pay, imaging and exam equipment, buying a retiring physician's practice, county counts and an invented satellite office. - [Dental Office Loans in Prescott Valley, AZ for New Operatories and Practice Purchases](https://valleyridgefinancial.com/industries/dental-practices/): Funding for Yavapai County, AZ dental offices: associate buy-ins, imaging and scanners, new office build-outs, specialty expansions, dental office size classes and an invented two-operatory addition. - [Salon Business Loans in Prescott Valley, AZ for Suites, Chairs and Product Stock](https://valleyridgefinancial.com/industries/salons/): Funding for Yavapai County, AZ salons, nail studios and barber shops: stations, suite conversions, retail product, second shops and unit purchases, the county counts and an invented suite conversion. - [Auto Repair Shop Loans in Prescott Valley, AZ for Bays, Lifts and Tools](https://valleyridgefinancial.com/industries/auto-repair/): Funding for Yavapai County, AZ auto repair and maintenance shops: new bays, fleet work for contractors, buying the building, lifts and alignment, diagnostic tools, the county counts and an invented lift and scan tool package. - [Landscaping Equipment Financing in Prescott Valley, AZ for Loaders, Trenchers and Trucks](https://valleyridgefinancial.com/industries/landscaping/): Equipment loans and leases for Yavapai County, AZ landscaping and hardscape crews: loaders, trenchers, saws and trucks, dealer versus lender options, the county landscaping counts and an invented trencher package. - [Hotel Loans in Prescott Valley, AZ for Lobby Updates, FF&E and Room Systems](https://valleyridgefinancial.com/industries/hotels-motels/): Non-mortgage funding for Yavapai County, AZ hotels and motels: renovations, FF&E, room HVAC, amenities, the records a partner reads, the county lodging counts and an invented twelve-room refresh. - [Grocery Store Loans in Prescott Valley, AZ for Coolers, Shelving and Stock](https://valleyridgefinancial.com/industries/grocery-stores/): Funding for Yavapai County, AZ grocers and convenience stores: refrigeration and remodels, expansion requirements, buying a store, liquor store stock, the county grocery counts and an invented cooler replacement. - [Coffee Shop Loans in Prescott Valley, AZ for Espresso Bars, Roasters and Drive-Thrus](https://valleyridgefinancial.com/industries/coffee-shops/): Funding for Yavapai County, AZ coffee shops and cafes: drive-thru units, cases and seating, small roasters, new centers and second shops, the county snack and beverage bar counts and an invented espresso machine financing. - [Machine Shop Loans in Prescott Valley, AZ for CNC Mills, Lathes and Lasers](https://valleyridgefinancial.com/industries/machine-shops/): Funding for Yavapai County, AZ job shops and fabricators: CNC mills and Swiss lathes, lasers and press brakes, buying versus leasing machinery, the county fabricated metal counts and an invented used machining center. - [Chiropractic Practice Loans in Prescott Valley, AZ for Tables, Imaging and New Clinics](https://valleyridgefinancial.com/industries/chiropractors-and-therapists/): Funding for Yavapai County, AZ chiropractors and physical therapists: decompression and laser units, aquatic or gym space, added hours and staff, therapy equipment, digital X-ray, county counts and an invented equipment upgrade. - [Accounting Firm Financing in Prescott Valley, AZ for Practice Purchases and Staff](https://valleyridgefinancial.com/industries/accounting-firms/): Funding for Yavapai County, AZ accounting, tax and bookkeeping offices: buying a retiring partner's practice, keeping clients, seller notes, tax-season hiring and software, county counts and an invented book-of-business purchase. ## Guides and calculators - [Business Loan Guides for Prescott Valley, AZ: Zoning, Liquor License Types and Payments](https://valleyridgefinancial.com/resources/): Guides for Yavapai County, AZ owners on permits and liquor licenses, plus an equipment payment calculator, each written with the funding timeline in mind. - [Prescott Valley, AZ Zoning Map and Building Permits for Shops, Clinics and Kitchens](https://valleyridgefinancial.com/resources/prescott-valley-az-zoning-and-building-permits/): A permit-path guide for Yavapai County, AZ businesses planning a lease, an upfit or a building purchase: zoning use checks, permit history, plan review timing, town versus county review, and how each step affects an upfit loan. - [Arizona Liquor License Types for Prescott Valley, AZ Restaurants and Bars](https://valleyridgefinancial.com/resources/arizona-liquor-license-types-for-restaurants/): A guide to Arizona liquor license series for Yavapai County, AZ restaurants and bars, drawn from the Arizona Revised Statutes (read October 2026): restaurant and bar licenses, the local and state application steps, renewal, transfers and quota licenses. - [Equipment Financing Payment Calculator for Prescott Valley, AZ Builders and Shops](https://valleyridgefinancial.com/resources/equipment-financing-payment-calculator/): An equipment payment calculator for Yavapai County, AZ businesses, with notes on amortization, balloon payments, buying versus leasing, and why an actual offer can differ from the estimate. Enter the rate from an offer you hold; the page quotes no rates. ## Areas served - [Business Loans in Prescott Valley, AZ: Yavapai County, AZ Builders, Clinics and Shops](https://valleyridgefinancial.com/prescott-valley-az/): Valleyridge Financial prepares funding requests for businesses in Prescott Valley, Arizona and across Yavapai County and passes them to funding partners. This page gathers the ZIP and county figures, lender types and local records a request here commonly involves. - [Business Loans Across Yavapai County, AZ: Prescott Valley, AZ, Cottonwood, AZ and Nearby Towns](https://valleyridgefinancial.com/service-areas/): Towns and communities around Prescott Valley, Arizona and in the Verde Valley, with the entity, license and permit records a funding partner may check for a business in each. ## Company - [Commercial Business Loans in Prescott Valley, AZ: Builders, Clinics and Kitchens](https://valleyridgefinancial.com/): Valleyridge Financial works from Prescott Valley, Arizona, assembling small-business funding requests and routing each to a funding partner. A request starts with what the money buys and when the business expects to pay it back; the partner reviewing it decides on approval, amount and terms. - [Business Loan Requirements in Prescott Valley, AZ: Records, Review, Offer](https://valleyridgefinancial.com/how-it-works/): What Yavapai County, AZ owners can check before requesting business funding, the documents partners commonly read, how uneven revenue is handled, and the steps from a first call to a partner offer. Valleyridge Financial passes requests to funding partners. - [Prescott Valley, AZ Business Funding Questions: Collateral, Down Payments, Payoff](https://valleyridgefinancial.com/faq/): Questions Yavapai County, AZ owners raise about collateral, down payments, early payoff, equipment leases and underwriting, with brief answers and links to the full pages on this site. - [About Valleyridge Financial: The Prescott Valley, AZ Team Behind Each Request](https://valleyridgefinancial.com/about/): Valleyridge Financial in Prescott Valley, Arizona prepares funding requests for small businesses and passes them to funding partners, who decide on approval and terms. - [Talk to Valleyridge Financial in Prescott Valley, AZ About Equipment or Payroll](https://valleyridgefinancial.com/contact/): Valleyridge Financial, Prescott Valley, Arizona. Call (928) 397-9069 or send the short form found on every page of this site. - [Request Business Funding in Prescott Valley, AZ: Valleyridge Form and Follow-Up](https://valleyridgefinancial.com/apply/): The Valleyridge Financial short form for Yavapai County, AZ businesses: what it asks, what comes after it, the documents a partner may later request, and how consent works. - [Disclosures for Valleyridge Financial, Prescott Valley, AZ](https://valleyridgefinancial.com/disclosures/): Valleyridge Financial in Prescott Valley, Arizona is a funding broker, not a lender. ## Optional - [Full text of every page](https://valleyridgefinancial.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://valleyridgefinancial.com/sitemap.xml)