Ivyvale Capital Group is a broker, not a lender: it passes requests to funding partners, who decide on approval, amount, price and terms. Nothing on the site is an offer. Merchant cash advances are not loans. Counts come from Census Bureau programs; dollar examples are invented and labeled.
A request desk in Kannapolis, NC, not a lending desk
Ivyvale Capital Group is a broker based in Kannapolis, NC. It does not lend money and does not make credit decisions. It talks a cost through with an owner and passes the resulting request to partner lenders and funding providers, who review it and decide what, if anything, to offer. Any agreement for funding is between the business and the partner that makes the offer.
Each yes, no, amount and price is a funding partner's to set
Approval, the amount, the rate or factor, the term, any fees and any collateral are set by the funding partner, never by Ivyvale. No page, calculator or call on this site is an approval, a commitment or an offer of credit. Sending the request form is not a credit application; a funding partner may check credit as part of its own review. An offer exists once a partner puts one in writing, and the business can turn it down.
Card-sales advances: a provider buys part of future receipts
A merchant cash advance, described on the merchant cash advance page, is not a loan. A funding provider buys a share of the business's future card receipts at a discount and collects an agreed share of card sales until the purchased amount has been collected. The cost is set by a factor, not an annual interest rate, so it should be compared with a loan offer in total dollars.
Two kinds of numbers on these pages: Census Bureau tables and labeled illustrations
Counts of establishments, employees, payroll and housing permits on these pages come from Census Bureau programs: County Business Patterns, ZIP Code Business Patterns, Nonemployer Statistics, the American Community Survey and the Building Permits Survey. Each figure names its program, year and place. Kannapolis, NC reaches into both Cabarrus County and Rowan County, so county figures are labeled Cabarrus County, NC and are never presented as figures for the city. Every dollar example is invented, labeled as an illustration and computed from the figures it prints.
What sits outside Ivyvale's reach, and how to raise a concern
Ivyvale does not arrange funding for trucking companies, agriculture, startups without revenue, real estate purchases or building construction loans, and it handles business funding only, never personal or household credit. Questions or concerns about this site or a request can go to (704) 916-9214 or through the contact page. The privacy notice covers the details a request contains.
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