# Kitepine Capital > Kitepine Capital is a small-business funding broker at 302 Main St S, Austin, MN 55912 (phone (507) 405-1728). It helps businesses in Austin, MN; Adams, MN; Grand Meadow, MN and across Mower County, Minnesota; and in Hayfield, MN (Dodge County); Albert Lea, MN (Freeborn County), explore business term loans, lines of credit, working capital, equipment and inventory financing, and merchant cash advances, requested by phone or the online form and reviewed by funding partners. Kitepine Capital arranges introductions to funding partners and does not lend; each partner reviews a request and makes its own decision. Kitepine Capital is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Kitepine Capital does not lend money itself and does not take requests for trucking or agriculture businesses, real estate or property purchases, startup loans or SBA loans. Key facts: - Business type: small-business funding broker (not a lender) - Address: 302 Main St S, Austin, MN 55912, United States - Phone: (507) 405-1728 - Apply: https://kitepinecapital.com/apply/ - Places: Austin, MN; Adams, MN; Grand Meadow, MN and all of Mower County, Minnesota; also Hayfield, MN (Dodge County); Albert Lea, MN (Freeborn County) - Language: English ## Funding options - [Business Loan Types for Austin, MN Owners: Options for Gas Stations and Restaurants](https://kitepinecapital.com/business-loans/): Six funding types, each matched to what the money pays for. A term loan suits a one-time purchase, a line of credit a repeating gap, equipment and inventory financing a specific asset, and a merchant cash advance card-heavy sales. Funding partners set the terms. - [Working Capital Loans in Austin, MN While HVAC Contractors Wait on Customer Payments](https://kitepinecapital.com/business-loans/working-capital/): Working capital loans cover running costs while invoices are open. They are short-term, repaid in fixed installments, and reviewed by funding partners who set the amount and rate. A worked payroll example shows how to size one. - [Business Term Loans in Austin, MN for Gas Station and Restaurant Equipment](https://kitepinecapital.com/business-loans/term-loans/): A term loan is one fixed sum, paid back in equal monthly installments. It fits one-time costs with a known price: equipment, store fixtures, or the purchase of a business. Building and property work is outside this site. Funding partners set rate and term. - [Business Lines of Credit in Austin, MN for Gas Stations With Uneven Months](https://kitepinecapital.com/business-loans/line-of-credit/): A line of credit is a limit you draw on and pay down, with interest only on the balance in use. It suits repeating cash gaps. Funding partners set the limit, rate, fees and renewal terms. - [Inventory Financing for Gas Stations and Restaurants Around Austin, MN](https://kitepinecapital.com/business-loans/inventory-financing/): Inventory financing lends against the stock a business buys, with the goods as collateral. It suits larger supplier orders. A partner decides what share of the order it finances and on what terms. - [Equipment Financing in Austin, MN: CNC Machines, Excavators and Shop Lifts](https://kitepinecapital.com/equipment-financing/): Equipment financing ties the money to one machine, which can serve as collateral. A loan means you own it; a lease means you rent it with an option to buy. Use the calculator on this page to test a payment for any price, down payment, rate and term. - [Merchant Cash Advances for Austin, MN Grocers: Costs, Holdbacks and Alternatives](https://kitepinecapital.com/merchant-cash-advance/): Selling future card receipts for cash today: that is what a merchant cash advance is, and it is not a loan. The provider collects a fixed share of daily card sales until the agreed total is in. The factor rate sets the total; the holdback sets the pace. The calculator on this page works through both. ## Industries - [Austin, MN Business Loans for Retail: Reorders, Shelf Resets and a Second Register](https://kitepinecapital.com/industries/retail/): Retail funding in Austin, MN covers stock, store fixtures and the gap between a supplier bill and the sales that pay it. A store can look at inventory financing, a line of credit, an equipment loan or a card-sales advance. Mower County, MN counted 121 retail establishments in 2023 (County Business Patterns). Funding partners review each request and decide. - [Financing for Contractors in Austin, MN: Telehandlers, Job Trailers and Material Deposits](https://kitepinecapital.com/industries/construction/): Contractors in Austin, MN can finance equipment, materials and payroll: a telehandler or mini excavator, a lumber package, or wages while retainage and progress payments are held. Mower County, MN counted 78 construction establishments in 2023 (County Business Patterns). Land, buildings and work on a contractor's own property are outside this site. Funding partners review each request and decide. - [Manufacturing Equipment Financing in Austin, MN: Press Brakes, Laser Cutters and Second Shifts](https://kitepinecapital.com/industries/manufacturing/): Austin, MN manufacturers can finance CNC machines, press brakes, laser cutters and used equipment, and can ask about a term loan or working capital for raw material orders and second shifts. Mower County, MN counted 32 manufacturing establishments in 2023 (County Business Patterns). Plant buildings and land are outside this site. Funding partners review each request and decide. - [Business Loans by Industry for Gas Stations, Restaurants and More in Austin, MN](https://kitepinecapital.com/industries/): Kitepine Capital sorts Austin, MN trades by what the money buys, from restaurant booths and gas station coolers to auto shop lifts and salon chairs. Each note gives a Mower County, MN count from County Business Patterns 2023. Funding partners review every request and decide. ## Tools and calculators - [Austin, MN Small Business Guides for Gas Stations and Restaurants](https://kitepinecapital.com/resources/): Guides for Austin, MN businesses getting a funding request ready: preparation steps for contractors, a business plan outline for a restaurant, a grocer's document checklist and a long-term payment calculator. City rules come from the City of Austin, MN. - [Long-Term Business Loan Calculator for Austin, MN Shops and Contractors](https://kitepinecapital.com/resources/long-term-business-loan-calculator/): Three inputs: amount, rate (annual %) and term in months. Three outputs: monthly payment, total interest and total repaid. Illustrative arithmetic only; funding partners set real terms. ## Communities near Austin, MN - [Austin, MN Business Loans: Mower County, MN Facts, Local Lenders and Insurance Agencies](https://kitepinecapital.com/austin-mn/): Kitepine Capital in Austin, MN passes business funding requests to partners, who review them and set any terms. The 2023 County Business Patterns file lists 800 employer establishments for Mower County, MN. ZIP 55912 addresses held 573 that year (ZBP). - [Business Loans Near Austin, MN: Nearby Cities, Gas Stations and Restaurants](https://kitepinecapital.com/service-areas/): Nearby-city owners use the same phone line and request form as owners in Austin, MN, and a funding partner does the review and sets any terms. Figures for each nearby city are ZIP figures from 2023 ZIP Code Business Patterns. ## Company - [Small Business Loans for Austin, MN Grocers, Auto Repair Shops and Gas Stations](https://kitepinecapital.com/): Kitepine Capital explains six funding types for Austin, MN businesses and sends each request to funding partners. The partner reviews the request and sets any rate, amount and term. The form opens a conversation; it is not a credit application. - [How to Get a Business Loan in Austin, MN: Steps for Gas Stations and Restaurants](https://kitepinecapital.com/how-it-works/): Pull together the records, make the call or send the form, then let a funding partner run its review. The partner may ask for statements and tax returns, checks what it needs to, and sets any terms. No agreement exists until you sign one with the partner. - [Austin, MN Business Loan Questions for Gas Stations and Restaurants](https://kitepinecapital.com/faq/): Answers on credit checks, buying a business, lines of credit and EINs. Funding partners set requirements and terms; tax questions belong with a tax adviser. - [About Kitepine Capital: Austin, MN Business Funding for Grocers](https://kitepinecapital.com/about/): Kitepine Capital in Austin, MN passes business funding requests to partners, who review them and set terms. Banks, credit unions, equipment sellers and online lenders are other routes; the Kitepine form takes ranges, not documents. - [Contact Kitepine Capital: Business Loan Questions and Answers for Austin, MN Gas Stations](https://kitepinecapital.com/contact/): The Kitepine Capital line is (507) 405-1728, and the request form sits online. Ask any funder about the total cost in dollars, the payment rhythm, early payoff, collateral and which records it wants later. - [Start an Austin, MN Business Loan Application for Your Gas Station or Restaurant](https://kitepinecapital.com/apply/): Beyond contact details and a company name, the form takes three ranges. Bank statements and tax returns come later, only if a partner asks. Partners set any terms. - [Disclosures for Kitepine Capital, Austin, MN](https://kitepinecapital.com/disclosures/): Kitepine Capital introduces businesses to funding partners. Partners decide and set every term; site figures come from U.S. Census Bureau sources. ## Optional - [Full text of every page](https://kitepinecapital.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://kitepinecapital.com/sitemap.xml)