# Flintshore Financial

> Flintshore Financial is a small-business funding broker at 111 W 5th St, Clovis, NM 88101 (phone (575) 242-8764). It helps businesses in Clovis, NM and across Curry County, New Mexico, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Flintshore Financial sends funding requests on to funding partners; every partner runs its own credit review and sets its own pricing and terms. Flintshore Financial is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Flintshore Financial does not arrange personal, payday, auto title, mortgage, real estate, 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: 111 W 5th St, Clovis, NM 88101, United States
- Phone: (575) 242-8764
- Apply: https://flintshorefinancial.com/apply/
- Service area: Clovis, NM and all of Curry County, New Mexico
- Language: English

## Funding options
- [Business Loans Explained for Clovis, NM Owners: Owner Guide](https://flintshorefinancial.com/business-loans/): Six funding types sit on this page: working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. Each row shows the expense it fits, how it is paid back or collected, and where to read more. Whichever you pick, a funding partner reviews the request and sets any terms.
- [Comparing Working Capital Loans in Clovis, NM: Owner Guide](https://flintshorefinancial.com/business-loans/working-capital/): A working capital loan pays day-to-day costs such as wages, rent and supplier bills while revenue is still on its way. This page explains how the payments work, how to apply, when a line of credit fits payroll better, and how a Curry County, NM owner can size the gap with simple arithmetic before a partner reviews it.
- [Business Term Loans for Clovis, NM Companies: Owner Guide](https://flintshorefinancial.com/business-loans/term-loans/): A business term loan delivers one amount and is paid back in equal installments over a set number of months. Curry County, NM owners use term loans for expansions, remodels and buying an existing business. This page covers acquisition financing, expansion, credit line comparisons, short term requirements and the bookkeeping entry.
- [Business Lines of Credit in Clovis, NM: Owner Guide](https://flintshorefinancial.com/business-loans/line-of-credit/): A business line of credit is a limit you draw from when a bill is due and pay back when deposits arrive, paying interest only on what is drawn. This page explains business and commercial lines of credit, borrowing base lines, what a line can pay for, and how a Curry County, NM owner can request one.
- [Inventory Financing Around Clovis, NM and Curry County, NM: Owner Guide](https://flintshorefinancial.com/business-loans/inventory-financing/): Inventory financing pays for stock before it sells, and the stock itself helps secure the payments. This page explains how it works for small stores, online sellers and distributors, how to estimate a stock purchase by hand, and how Curry County, NM retail and wholesale counts frame the need.
- [Equipment Financing in Clovis, NM: A Practical Walkthrough](https://flintshorefinancial.com/equipment-financing/): Equipment financing pays for a machine and uses that machine as the security. This page covers five equipment types Curry County, NM businesses buy, from restaurant kitchens and auto shop lifts to farm, gym and salon equipment, then explains how leases and equipment loans differ and where banks fit.
- [Merchant Cash Advances for Clovis, NM Businesses: A Practical Walkthrough](https://flintshorefinancial.com/merchant-cash-advance/): A merchant cash advance buys part of a business's future card or bank deposits for a lump sum today. It is not a loan: there is no interest rate, and the purchased amount is collected from receipts. This page compares it with revenue-based financing and explains terms, default events and settlement for Curry County, NM owners.

## Industries
- [Business Loans by Industry in Clovis, NM: Five Curry County, NM Trade Pages](https://flintshorefinancial.com/industries/): Five Curry County, NM industries have their own pages: medical and dental practices, restaurants, retail, construction and auto repair. Other lines of work, including gyms, salons, landscapers, cleaning companies, concrete and excavation contractors, day care centers and gas stations, are covered here with their 2023 County Business Patterns counts and links to the funding pages that fit them.
- [Medical and Dental Practice Loans in Clovis, NM: Cash Flow, Equipment and Expansion](https://flintshorefinancial.com/industries/medical-and-dental-practices/): Medical and dental practice loans in Clovis, NM pay for chairs, imaging, build-outs, staff pay while claims are pending, and buying a practice. The county counted 79 ambulatory health care employers in 2023. This page covers dental office loans, physician practice loans, equipment financing requirements and acquisitions, with worked examples.
- [Restaurant Loans for Curry County, NM Owners in Clovis, NM](https://flintshorefinancial.com/industries/restaurants/): Restaurant loans in Clovis, NM pay for kitchen lines, dining room remodels, payroll between deposits and buying an existing restaurant or cafe. Census counts put 37 full-service and 35 limited-service restaurant employers in Curry County, NM in 2023. This page compares loans, equipment financing and cash advances, with a cash flow calendar and worked examples.
- [Retail Business Loans in Clovis, NM](https://flintshorefinancial.com/industries/retail/): Retail business loans in Clovis, NM pay for stock before it sells, counters and fixtures, and buying an existing store. Retail trade had 184 employer establishments in Curry County, NM in 2023. This page covers retail funding, boutique inventory, loan requirements and how to buy a boutique, with worked examples.
- [Contractor Business Loans, Clovis, NM: How Funding Fits](https://flintshorefinancial.com/industries/construction/): Contractor business loans in Clovis, NM pay for materials and crews before a job pays, for machines that last years, and for gaps while retainage is held. Construction had 102 employer establishments in Curry County, NM in 2023. This page covers contractor financing, equipment, credit lines, working capital and plumbing contractors, with worked examples.
- [Auto Repair Shop Loans in Clovis, NM: Equipment, Payroll and Growth](https://flintshorefinancial.com/industries/auto-repair/): Auto repair shop loans in Clovis, NM pay for lifts, alignment machines and scan tools, parts and payroll between jobs, and buying an existing mechanic shop. Automotive repair and maintenance had 30 employer establishments in Curry County, NM in 2023. This page covers auto shop loans and financing, how to buy a shop, and worked examples.

## Guides and calculators
- [Local Business Guides for Clovis, NM: Owner Guide](https://flintshorefinancial.com/resources/): These guides answer questions Curry County, NM owners face around borrowing: which kinds of lenders serve New Mexico businesses, how buying an operating business is financed, and where licenses and permits fit before a loan. The worksheet sizes a business line of credit by hand from receivables and monthly bills.
- [Business Lenders in New Mexico: Notes From Clovis, NM](https://flintshorefinancial.com/resources/business-lenders-in-new-mexico/): Small business loans in New Mexico come from several kinds of lenders, and each reads a request in its own way. This guide explains commercial banks, credit unions, online lenders, equipment finance companies and funding services, what each asks for, and how a Curry County, NM owner can compare their offers on total cost.
- [Business Acquisition Loans in New Mexico for Clovis, NM Owners](https://flintshorefinancial.com/resources/business-acquisition-loans-in-new-mexico/): A business acquisition loan pays for buying an operating business: its equipment, stock, name and customers. This guide covers where Clovis, NM buyers look for businesses for sale, the records a partner reads, how to work a loan-to-buy-a-business calculation by hand, seller financing, and the official sources to check before closing.
- [Clovis, NM Business License and Permits Before You Build Out or Expand](https://flintshorefinancial.com/resources/clovis-nm-business-license-and-permits/): Before borrowing for a new location, a remodel or a change of use, check that the license, the zoning and the permits line up. This guide walks a Clovis, NM owner through the City of Clovis business license and its renewal, building permits, the zoning map and planning review, and Curry County, NM questions, in the order they come up.
- [How Much Line of Credit Can I Get? A Worksheet Calculator for Clovis, NM](https://flintshorefinancial.com/resources/how-much-line-of-credit-can-i-get-calculator/): This worksheet answers how much line of credit to ask for, by hand. It works three ways: the largest cash gap your bills create, a revenue check, and a receivables base. The smallest result is a sensible starting request. A funding partner sets the actual limit after its own review; the worksheet only frames the conversation.

## Areas served
- [Business Loans in Clovis, NM: Local Data for Curry County, NM Owners](https://flintshorefinancial.com/clovis-nm/): This page gathers the local figures behind every Flintshore Financial page: Curry County, NM employer and nonemployer counts, the sector mix in the city's postal ZIP, and self-employment rates. It also explains the kinds of commercial lenders near Curry County, NM, where zoning and permit questions go, and how to phone or apply.
- [Nearby Communities Served From Clovis, NM: Owner Guide](https://flintshorefinancial.com/service-areas/): Flintshore Financial takes funding requests by phone and through the form from Clovis, NM and the surrounding area. This page explains why Clovis, NM is the only town with its own page, lists nearby places with their ZIP-level employer counts, and notes which places sit outside Curry County, NM or across the state line.

## Company
- [Small Business Loans in Clovis, NM: Funding Options for Curry County, NM Companies](https://flintshorefinancial.com/): Flintshore Financial helps Curry County, NM owners compare six funding types and send one request. Describe what the money pays for and when cash comes back; a funding partner reviews the request and decides on any offer. The pages here cover each funding type, five local industries, New Mexico guides and county Census figures.
- [How Getting a Business Loan Works in Clovis, NM: A Practical Walkthrough](https://flintshorefinancial.com/how-it-works/): Getting business funding through Flintshore Financial runs in four steps: describe the expense, narrow the funding types, let a partner review the request, and decide on any offer. This page explains each step and what a partner looks for in bank statements, tax returns and the request itself.
- [Business Loan FAQ for Clovis, NM Businesses: A Practical Walkthrough](https://flintshorefinancial.com/faq/): These answers cover questions Curry County, NM owners ask before borrowing: what a term sheet means, what happens after a missed payment, whether a business can lend to its owner, how to choose a bank, how long a credit line lasts, and what a business loan can and cannot pay for.
- [Flintshore Financial, a Business Funding Company in Clovis, NM: What to Expect](https://flintshorefinancial.com/about/): Flintshore Financial, based in Clovis, NM, is a business funding company. It explains six funding types, helps owners describe what the money is for, and matches each request with funding partners who review it and make their own decision. This page covers the disclosures, requests from outside the city, who answers the phone, and how the company is paid.
- [Contact Flintshore Financial in Clovis, NM: Phone, Form and Office Address](https://flintshorefinancial.com/contact/): Reach Flintshore Financial by phone at (575) 242-8764 or through the request form. A map and location details are on this page. Before calling, it helps to know the expense, when cash comes back, and the three ranges the form asks for: time in business, annual revenue and the amount requested.
- [Business Loan Application for Clovis, NM Owners: A Practical Walkthrough](https://flintshorefinancial.com/apply/): The request form asks for a full name, phone, email, a company name if there is one, and three ranges: time in business, annual revenue and the amount requested. It ends with a required consent box. After it is sent, the expense and timing are discussed, and a funding partner reviews the request and decides.
- [Important Disclosures for Curry County, NM Applicants (Clovis, NM)](https://flintshorefinancial.com/disclosures/): Flintshore Financial is a small-business funding broker, not a lender. It does not make credit decisions or set rates or terms. Funding partners review each request and decide. A merchant cash advance is a purchase of future receivables, not a loan.

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