Fieldhill Loans helps owners in Columbus, IN and Bartholomew County, IN request business funding in four steps: describe the expense by phone or online, answer a few questions, let funding partners review the request, then compare any offers before signing. Fieldhill matches the request with funding partners, who review it and make their own decision.
Where Fieldhill sits between owner and partner
Fieldhill Loans connects you with lending partners; partners make credit decisions and set rates and terms. Fieldhill Loans is a broker, not a lender. It does not decide whether a request is approved, and it does not set the rate, the amount or the repayment terms. Its job is to understand what the money is for, put the request into a shape partners can review, send it to partners that consider that kind of business, and help you read whatever they offer.
A merchant cash advance, one of the six options, is a purchase of future receipts and not a loan; Fieldhill says so whenever it is on the table.
Step 1: name the bill and its due date
Call (812) 286-3615 or use the Fieldhill request form on any device. Say what the money will pay for and when the bill is due: a payroll date, a machine quote, a stock order, a build-out. The online form asks for your full name, phone number, email address and, if you have one, a company name. It then asks three required questions, each answered by picking from a list: how long the business has operated, its annual revenue range and the amount range you are requesting. The last item is a box for your consent.
Step 2: a short conversation
Fieldhill contacts you by phone or email using the details you entered. Expect questions about how the business takes in money, how long it has operated, what debts or advances it already carries, and which records you keep. This is where the funding type is chosen: a machine points to equipment financing, a recurring gap to a line of credit, and so on.
If you are unsure which type fits, the six funding types compared page is a good read before the call. Questions about wage timing are a good place to begin, and working capital covers them.
Documents needed for a business loan request
- Recent business bank statements; how many months depends on the request.
- Business tax returns and a current profit and loss for larger requests.
- Quotes or invoices for equipment or inventory being financed.
- Contracts, purchase orders or receivables lists if the money bridges a payment gap.
- A list of existing loans, leases and advances.
Partners may ask for more, such as a lease or a purchase agreement. Nothing needs uploading on the first contact.
Step 3: partner review
Fieldhill sends the request to funding partners that consider your type of business and request. Each partner runs its own review, which may include checking the owner's credit, and decides independently. A partner may offer, offer a different amount or structure, ask for more documents, or decline.
Step 4: read each offer's totals, then accept one or none
If offers come back, Fieldhill helps you lay them side by side: total amount repaid or collected, payment amount and frequency, term, prepayment terms and any fees the partner discloses. You decide whether to accept any of them. Declining creates no obligation; nothing is binding until you sign a partner's agreement.
How long does it take to get a business loan approved when partners review it?
It depends on the partner, the type of funding and how complete the records are. Fieldhill never puts a date on a partner's answer. Missing bank statements, an unclear purpose and undisclosed existing advances can slow a request. Applying takes as long as gathering the documents above.
Review steps differ between a bank and each funding partner, so compare the documents each one asks for as well as the total dollar cost.
Questions before you start
The FAQ page answers questions owners may have, and the Columbus, IN page gathers the county's business counts. The disclosures set out Fieldhill's role in plain language.
By Fieldhill Loans · Updated
