# Ivypark Lenders > Ivypark Lenders is a small-business funding broker at 156 Jay St, Schenectady, NY 12305 (phone (518) 282-8580). It helps businesses in Schenectady, NY and across Schenectady County, New York; and in Cohoes, NY (Albany County); Troy, NY (Rensselaer County), explore funding options. Ivypark Lenders takes business funding requests for working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances, for businesses in and around Schenectady, NY. A request goes to funding partners; Ivypark Lenders does not lend and does not decide. Ivypark Lenders is a funding broker, not a lender. Requests go to independent funding partners; each partner sets its own terms and makes its own decision. Ivypark Lenders is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. No consumer, personal, payday, mortgage or real-estate loans. No startup or SBA loan programs. No trucking or agriculture funding (farms, ranches, crops, livestock). No guaranteed approval, no rates quoted, no promised amounts or timing. Key facts: - Business type: small-business funding broker (not a lender) - Address: 156 Jay St, Schenectady, NY 12305, United States - Phone: (518) 282-8580 - Apply: https://ivyparklenders.com/apply/ - Places: Schenectady, NY and all of Schenectady County, New York; also Cohoes, NY (Albany County); Troy, NY (Rensselaer County) - Language: English ## Funding options - [Business Financing Options in Schenectady, NY, Weighed by the Job the Money Does](https://ivyparklenders.com/business-loans/): Each comparison below starts from a real kind of purchase at a Schenectady County, NY business, then names the product that fits it and the one that does not. - [Working Capital Loans in Schenectady, NY Between Slow and Busy Restaurant Weeks](https://ivyparklenders.com/business-loans/working-capital/): A working capital loan pays for operations, not for a building or a machine. The sections below cover repayment, what the money is for, when it is a sound idea, and a simple way to size the request. - [Business Term Loans in Schenectady, NY for a Practice Buy-In or Franchise Unit](https://ivyparklenders.com/business-loans/term-loans/): A term loan fits one large, planned cost with a known price. The sections below compare it with other kinds of debt and walk through examples from grocery stores, repair shops, landscaping companies, restaurants and practices. - [Business Line of Credit in Schenectady, NY: Revolving Draws for Repairs and Payroll](https://ivyparklenders.com/business-loans/line-of-credit/): Business lines of credit suit costs that repeat but do not arrive on a schedule. The sections below cover opening a line, using it well, and the revolving and non-revolving forms. - [Inventory Financing in Schenectady, NY for Grocery Stock and Shop Parts](https://ivyparklenders.com/business-loans/inventory-financing/): Stock is cash on a shelf. The sections below look at contractors buying materials, restaurants stocking ahead of a planned event, grocers balancing supplier terms, and a boutique adding a new line. - [Equipment Financing in Schenectady, NY: ADAS Gear, Espresso Machines and Dental Chairs](https://ivyparklenders.com/equipment-financing/): Equipment financing fits machines that carry a serial number and a resale value. ADAS gear, espresso machines and dental chairs fit the same pattern as the landscaping, office, excavation and kitchen examples below; the calculator on this page runs the payment. - [Merchant Cash Advance in Schenectady, NY for Cafes, Grocers and Restaurants](https://ivyparklenders.com/merchant-cash-advance/): The provider buys future card receivables; nothing about the deal is a loan. The sections below explain the provider, the holdback, credit reporting and how the advance compares with revenue-based financing. ## Industries - [Business Loans by Industry in Schenectady, NY: Kitchens, Practices, Grocers and Shops](https://ivyparklenders.com/industries/): Kitchens, practices, grocers, repair shops, crews, salons and guest rooms around Schenectady, NY, grouped by the purchases they make. - [Construction Business Loans Across Schenectady County, NY: Skid Steers](https://ivyparklenders.com/industries/construction/): Contractors, electricians and remodelers in Schenectady County, NY: which funding type fits a loader, a work trailer, a job-site trailer or the payroll before a progress payment. - [Business Loans for Retail in Schenectady, NY: Store Fixtures](https://ivyparklenders.com/industries/retail/): What a Schenectady, NY store can finance, from display cases in newly leased space to a boutique’s sign, and the records a funding partner can ask a retailer for. - [Restaurant Loans in Schenectady, NY: Ice Machines and Repair Bills](https://ivyparklenders.com/industries/restaurants/): Which funding type fits a repair bill, a range, a walk-in cooler, a payroll gap or a second dining room in Schenectady, NY, and how a funding request differs from a bank loan. - [Medical Practice Loans in Schenectady, NY: Exam Tables and Billing Gaps](https://ivyparklenders.com/industries/medical-practices/): How a Schenectady, NY physician practice can fund movable clinic equipment, a new provider’s first months, a buy-in, exam tables or a practice purchase. - [Dental Office Loans in Schenectady, NY: Operatory Cabinetry and a Practice Transition](https://ivyparklenders.com/industries/dental-practices/): How a Schenectady, NY dental office can fund an operatory, an intraoral scanner, imaging, an associate buy-in or a practice that changes hands. - [Grocery Store Loans in Schenectady, NY: Freezer Cases and a Second Store](https://ivyparklenders.com/industries/grocery-stores/): What a Schenectady, NY grocer, corner store or liquor store can fund, from wholesale orders and cooler repairs to freezer cases and the purchase of a second store. - [Auto Repair Shop Loans in Schenectady, NY: Air Compressors and Tool Upgrades](https://ivyparklenders.com/industries/auto-repair/): How a Schenectady, NY repair shop can fund technician payroll, scan tools, lifts for a second bay, tire machines, wheel balancers or the purchase of a shop. - [Landscaping Equipment Financing in Schenectady, NY: Sod Cutters, Fuel and Repairs](https://ivyparklenders.com/industries/landscaping/): How a Schenectady, NY landscaping company can fund mowers, sod cutters, dump trailers and truck upfits, and where fuel and repairs fit. - [Daycare Center Financing in Schenectady, NY: Nap Cots and Classroom Equipment](https://ivyparklenders.com/industries/child-care/): How a Schenectady, NY child care center can fund nap cots, classroom equipment, a second classroom and teacher payroll, and where grants differ. - [Coffee Shop Loans in Schenectady, NY: Order-Screen Systems and Patio Seating](https://ivyparklenders.com/industries/coffee-shops/): How a Schenectady, NY coffee shop can fund grinders, bean stock, pastry cases, cold-brew systems, ice machines, espresso machines and a second cafe. - [Gas Station Loans in Schenectady, NY: Reach-In Coolers and Inside-Store Stock](https://ivyparklenders.com/industries/gas-stations-convenience-stores/): How a Schenectady, NY gas station or convenience store can fund coolers, store fixtures, point-of-sale equipment, store stock or a business purchase. - [Chiropractic Practice Loans in Schenectady, NY: EHR Hardware and Billing Gaps](https://ivyparklenders.com/industries/chiropractors-and-therapists/): How a Schenectady, NY chiropractic or therapy clinic can fund rehab gear, X-ray units, movable treatment-room equipment, a second room, EHR hardware and insurance billing gaps. - [Law Firm Loans in Schenectady, NY: Document Scanners and Software Upgrades](https://ivyparklenders.com/industries/law-firms/): How a Schenectady, NY law practice can fund scanners, software upgrades, an associate’s first months, movable office furnishings and slow collections. ## Tools and calculators - [Schenectady, NY Funding Resources: An Equipment Loan Calculator and Where to Start](https://ivyparklenders.com/resources/): An equipment loan calculator and four starting points for Schenectady, NY landscapers, dentists and grocers. - [Equipment Loan Finance Calculator for Schenectady, NY Shops and Practices](https://ivyparklenders.com/resources/equipment-loan-finance-calculator/): The calculator works in your browser and keeps nothing. The worked examples on this page use invented figures; a real offer comes from a funding partner and can include costs this arithmetic leaves out. ## Communities near Schenectady, NY - [Business Loans in Schenectady, NY: Schenectady County, NY Retail, Health Care and Dining](https://ivyparklenders.com/schenectady-ny/): Law practices, grocers, repair shops and physician offices in Schenectady, NY, read against the business counts for Schenectady County, NY. - [Business Funding Across Schenectady County, NY, Plus Cohoes, NY and Troy, NY](https://ivyparklenders.com/service-areas/): Four trades outside the City of Schenectady, then the places: a village, two unincorporated communities and two cities in other counties. ## Company - [Small Business Funding in Schenectady, NY for Restaurants, Practices and Repair Shops](https://ivyparklenders.com/): Restaurants waiting out a slow week, dental and medical practices adding a room, repair shops buying calibration gear: each need below points to the product built for it, with Schenectady County, NY figures where they help. - [Business Loan Process in Schenectady, NY: From First Call to Partner Offers](https://ivyparklenders.com/how-it-works/): The steps are the same for a sole proprietor and a practice with twenty staff; what changes is the paperwork. The examples below follow a dentist, a grocer, a repair shop and a landscaping company. - [Schenectady, NY Business Funding Questions for Kitchens, Dentists and Mechanics](https://ivyparklenders.com/faq/): Each answer is short and links to the page with the full explanation. - [About Ivypark Lenders: How Schenectady, NY Requests Get Matched to Partners](https://ivyparklenders.com/about/): Ivypark gathers the facts of a request; a funding partner reviews them and writes any terms. The examples follow a restaurant, a repair shop and a landscaping company through that hand-off. - [Contact Ivypark Lenders in Schenectady, NY About a Credit Line or Buy-In](https://ivyparklenders.com/contact/): Phone and the request form are the two ways in; the site lists no email address. Below: what to mention on a call about a credit line, a buy-in, ADAS gear or parts stock, and where the office is. - [Apply for Business Funding in Schenectady, NY: Name, Revenue and the Amount You Need](https://ivyparklenders.com/apply/): The form starts a request; it is not the whole application. Below: how a request here differs from a bank or credit union application, and the records a landscaper or a physician practice can have ready. - [Disclosures for Ivypark Lenders, Schenectady, NY](https://ivyparklenders.com/disclosures/): Ivypark Lenders passes business funding requests to independent funding partners. The partner reviews, decides and sets terms; the business decides whether to sign. ## Optional - [Full text of every page](https://ivyparklenders.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://ivyparklenders.com/sitemap.xml)