# Stonevale Advances > Stonevale Advances is a small-business funding service at 124 Locust St, Santa Cruz, CA 95060 (phone (831) 218-1470). It helps businesses in Santa Cruz, CA; Capitola, CA; Scotts Valley, CA; Aptos, CA and across Santa Cruz County, California, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Stonevale Advances refers funding requests to partner funders; each funder reviews the request, sets its own rates and terms and makes its own credit decision. Stonevale Advances is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Stonevale Advances does not arrange personal, payday, auto title, mortgage, startup or SBA loans, does not offer grants, and does not arrange funding for trucking. Key facts: - Business type: small-business funding service (not a lender) - Address: 124 Locust St, Santa Cruz, CA 95060, United States - Phone: (831) 218-1470 - Apply: https://stonevaleadvances.com/apply/ - Service area: Santa Cruz, CA; Capitola, CA; Scotts Valley, CA; Aptos, CA and all of Santa Cruz County, California - Language: English ## Funding options - [Choosing Between Business Loans in Santa Cruz, CA](https://stonevaleadvances.com/business-loans/): Stonevale Advances, a small-business funding service in Santa Cruz, California, sets six structures side by side: how each goes back to the funder, what secures it, what it suits and what funders review. Each money purpose links to the matching product page. - [Comparing Working Capital Loans in Santa Cruz, CA](https://stonevaleadvances.com/business-loans/working-capital/): Stonevale Advances, a small-business funding service in Santa Cruz, California, explains working capital loans for Santa Cruz County, CA firms: short-term money for payroll and payables, the ratios owners calculate, the bank route and a payroll checklist. County payroll was $4.96 billion across 80,209 employees in 2023 (CBP). - [Comparing Business Term Loans in Santa Cruz, CA](https://stonevaleadvances.com/business-loans/term-loans/): Stonevale Advances, a small-business funding service in Santa Cruz, California, explains business term loans for Santa Cruz County, CA owners: how amortization works, cash flow term loans, short-term uses, expansion and buying a business, with a worked payment example and the records funders review. - [Comparing Business Lines of Credit in Santa Cruz, CA](https://stonevaleadvances.com/business-loans/line-of-credit/): Stonevale Advances, a small-business funding service in Santa Cruz, California, explains business lines of credit for Santa Cruz County, CA owners: draws and interest, commercial and bank lines, lender types, what makes a line hard to get and how to use one well, with a worked interest example. The county had 7,136 employer establishments in 2023 (CBP). - [Inventory Financing in Santa Cruz, CA: Uses, Costs to Weigh and Next Steps](https://stonevaleadvances.com/business-loans/inventory-financing/): Stonevale Advances, a small-business funding service in Santa Cruz, California, explains inventory financing for Santa Cruz County, CA stores: how stock financing works, the companies that offer it, pre-season stock buys and a worked example. The county had 809 retail employer establishments in 2023 (CBP). - [Equipment Financing Around Santa Cruz, CA and Santa Cruz County, CA](https://stonevaleadvances.com/equipment-financing/): Stonevale Advances, a small-business funding service in Santa Cruz, California, explains equipment financing for Santa Cruz County, CA businesses: kitchen and bar equipment, landscaping equipment, dental chairs and imaging, gym equipment and salon stations, plus machinery loans, lease financing and soft costs, with county employer counts from the Census Bureau. - [Merchant Cash Advances for Santa Cruz, CA Companies](https://stonevaleadvances.com/merchant-cash-advance/): Stonevale Advances, a small-business funding service in Santa Cruz, California, explains merchant cash advances for Santa Cruz County, CA owners: why an MCA is a purchase of receipts and not a loan, how holdbacks and factor rates work, revenue-based financing compared, and how to weigh total dollars remitted, with a worked example. ## Industries - [Business Loans by Sector for Santa Cruz County, CA Owners in Santa Cruz, CA](https://stonevaleadvances.com/industries/): Stonevale Advances, a small-business funding service in Santa Cruz, California, groups funding notes by industry: food and drink, health care, personal care and fitness, trades, stores, auto, care and education, professional services and other businesses. Fourteen industries have full pages, and other sectors get a note here built on Santa Cruz County, CA Census counts. - [Contractor Business Loans in Santa Cruz, CA: Equipment, Payroll and Growth](https://stonevaleadvances.com/industries/construction/): Stonevale Advances, a small-business funding service in Santa Cruz, California, explains contractor business loans for Santa Cruz County, CA builders and trades: equipment financing, payroll before draws, cash flow, and builder financing, with county counts for 899 construction employers and permit totals from the Census Bureau. - [Retail Business Loans in Santa Cruz, CA: Equipment, Payroll and Growth](https://stonevaleadvances.com/industries/retail/): Stonevale Advances, a small-business funding service in Santa Cruz, California, explains retail business loans for Santa Cruz County, CA stores: inventory financing, fixtures, leasing space and buying a boutique, with county counts for 809 retail employers from the Census Bureau. - [Restaurant Loans and Lines of Credit in Santa Cruz, CA](https://stonevaleadvances.com/industries/restaurants/): Stonevale Advances, a small-business funding service in Santa Cruz, California, explains restaurant loans for Santa Cruz County, CA owners: equipment, credit lines, cash advances, term loans and buying a restaurant, with county counts of 235 full-service and 206 limited-service restaurants (Census Bureau, 2023). - [Medical Practice Loans for Owners in Santa Cruz, CA](https://stonevaleadvances.com/industries/medical-practices/): Stonevale Advances, a small-business funding service in Santa Cruz, California, explains medical practice loans for Santa Cruz County, CA physicians: equipment, clinic build-outs, buying into a practice and covering payroll while claims are paid, with county counts and payroll for 190 physician offices from the Census Bureau. - [Dental Office Loans and Lines of Credit in Santa Cruz, CA](https://stonevaleadvances.com/industries/dental-practices/): Stonevale Advances, a small-business funding service in Santa Cruz, California, explains dental office loans for Santa Cruz County, CA dentists: equipment loans, practice financing, working capital and practice acquisition, with a payment example and county counts for 134 dental offices from the Census Bureau. - [Salon Business Loans and Equipment Financing in Santa Cruz, CA](https://stonevaleadvances.com/industries/salons/): Stonevale Advances, a small-business funding service in Santa Cruz, California, explains salon business loans for Santa Cruz County, CA owners: nail salon financing, beauty and hair salon loans, barber shop loans, equipment and leasing space, with county employer and nonemployer counts from the Census Bureau. - [Gym Business Loans for Owners in Santa Cruz, CA](https://stonevaleadvances.com/industries/gyms/): Stonevale Advances, a small-business funding service in Santa Cruz, California, explains gym business loans for Santa Cruz County, CA owners: equipment financing, build-outs, bank loans, working capital and a gym loan calculator, with county counts for 50 fitness centers from the Census Bureau. - [Landscaping Equipment Financing in Santa Cruz, CA: Cash Flow, Equipment and Expansion](https://stonevaleadvances.com/industries/landscaping/): Stonevale Advances, a small-business funding service in Santa Cruz, California, explains landscaping equipment financing for Santa Cruz County, CA crews: mowers, trailers, trucks, lawn care business loans, and the cost of owning or buying a landscaping business, with county counts for 140 landscaping employers. - [Auto Repair Shop Loans, Santa Cruz, CA: How Funding Fits](https://stonevaleadvances.com/industries/auto-repair/): Stonevale Advances, a small-business funding service in Santa Cruz, California, explains auto repair shop loans for Santa Cruz County, CA shops: equipment, parts, payroll, body shop and mechanic shop financing, and buying a shop, with county counts for 135 repair employers from the Census Bureau. - [Daycare Center Financing for Santa Cruz County, CA Owners in Santa Cruz, CA](https://stonevaleadvances.com/industries/daycare-centers/): Stonevale Advances, a small-business funding service in Santa Cruz, California, explains daycare center financing for Santa Cruz County, CA child care businesses: equipment, expansion, buying a center and payroll gaps, with county counts for 131 child day care employers from the Census Bureau. - [Grocery Store Loans in Santa Cruz, CA](https://stonevaleadvances.com/industries/grocery-stores/): Stonevale Advances, a small-business funding service in Santa Cruz, California, explains grocery store loans for Santa Cruz County, CA grocers: refrigeration and equipment, stock, buying a store, financial statements and loan requirements, with county grocery counts from the Census Bureau. - [Hotel and Motel Loans in Santa Cruz, CA for Renovations, FF&E and Working Capital](https://stonevaleadvances.com/industries/hotels-motels/): Stonevale Advances, a small-business funding service in Santa Cruz, California, explains hotel and motel loans for Santa Cruz County, CA owners: renovation and FF&E financing, working capital, hotel lenders and buying a motel business, with county counts for 84 lodging employers from the Census Bureau. Property mortgages are outside its scope. - [Coffee Shop Loans in Santa Cruz, CA and Across Santa Cruz County, CA](https://stonevaleadvances.com/industries/coffee-shops/): Stonevale Advances, a small-business funding service in Santa Cruz, California, explains coffee shop loans for Santa Cruz County, CA cafes: espresso machine and equipment financing, build-outs, working capital and how to prepare a request, with county counts for 110 beverage bars from the Census Bureau. - [Machine Shop Loans in Santa Cruz, CA: Equipment, Payroll and Growth](https://stonevaleadvances.com/industries/machine-shops/): Stonevale Advances, a small-business funding service in Santa Cruz, California, explains machine shop loans for Santa Cruz County, CA metal shops: CNC and used machine financing, welding equipment, materials and payroll, with county counts for 36 fabricated metal employers from the Census Bureau. ## Guides and calculators - [Local Business Guides for Santa Cruz, CA](https://stonevaleadvances.com/resources/): Stonevale Advances, a small-business funding service in Santa Cruz, California, publishes guides for Santa Cruz County, CA owners: banks, credit unions and online lenders in California, the City of Santa Cruz business license, permits and zoning, and a gym business loan calculator, with links to the six structures and fourteen industry pages. - [Business Lenders in California for Santa Cruz, CA Owners](https://stonevaleadvances.com/resources/business-lenders-in-california/): Stonevale Advances, a small-business funding service in Santa Cruz, California, explains the lender types that serve California small businesses: commercial banks, credit unions, online lenders, community development lenders, equipment finance companies and merchant cash advance providers, with a comparison checklist and a worked example. Santa Cruz County, CA had 264 finance and insurance employer establishments in 2023 (CBP). - [Santa Cruz, CA Business License and Permits, Step by Step](https://stonevaleadvances.com/resources/santa-cruz-ca-business-license-and-permits/): Stonevale Advances, a small-business funding service in Santa Cruz, California, walks Santa Cruz County, CA owners through the City of Santa Cruz business license and renewal, county business searches, building permits, the building department, zoning and fictitious business names. Official pages are named for you to check; fees and deadlines are not quoted. - [Gym Business Loan Calculator: Santa Cruz, CA Edition](https://stonevaleadvances.com/resources/gym-business-loan-calculator/): Stonevale Advances, a small-business funding service in Santa Cruz, California, provides a gym business loan calculator. Enter an amount, a rate and a term to estimate the payment and total cost, with a worked example, notes on what the estimate leaves out, and county counts for 50 fitness employers from the Census Bureau. ## Areas served - [Santa Cruz, CA Business Loans With Santa Cruz County, CA Context](https://stonevaleadvances.com/santa-cruz-ca/): Stonevale Advances, a small-business funding service in Santa Cruz, California, publishes this page of Santa Cruz County, CA business data: 7,136 employer establishments in 2023, 23,111 businesses without employees in 2024, size classes, leading sectors, self-employment and building permits from the Census Bureau, plus notes on lenders, licensing, zoning, commercial property and buying a business. - [Areas Served Around Santa Cruz, CA: Owner Guide](https://stonevaleadvances.com/service-areas/): Stonevale Advances, a small-business funding service in Santa Cruz, California, serves Santa Cruz County, CA by phone and online form. This page links three town pages, gives short notes on other towns, explains why a town needs enough local data for a page, and names the neighboring counties requests can come from. - [Capitola, CA Business Loans and Local Facts](https://stonevaleadvances.com/service-areas/capitola-ca/): Stonevale Advances, a small-business funding service in Santa Cruz, California, works with Capitola, CA owners by phone and through the online request form. This page gives ZIP 95010 employer counts and sectors from the Census Bureau, self-employment estimates, license notes and the funding structures that fit local firms. - [Funding Options for Scotts Valley, CA Owners](https://stonevaleadvances.com/service-areas/scotts-valley-ca/): Stonevale Advances, a small-business funding service in Santa Cruz, California, works with Scotts Valley, CA owners by phone and through the online request form. This page gives ZIP 95066 employer counts and sectors from the Census Bureau, self-employment estimates, license notes and the funding structures that fit local firms. - [Aptos, CA Business Loans, Handled by Phone From Santa Cruz, CA](https://stonevaleadvances.com/service-areas/aptos-ca/): Stonevale Advances, a small-business funding service in Santa Cruz, California, works with Aptos, CA owners by phone and through the online request form. This page gives ZIP 95003 employer counts and sectors from the Census Bureau, self-employment estimates, license notes and the funding structures that fit local firms. ## Company - [Small Business Loans in Santa Cruz, CA: Kitchens, Clinics, Shops and Crews](https://stonevaleadvances.com/): Stonevale Advances, listed in Santa Cruz, California, works on small-business funding requests. It takes requests by phone and online form, sorts each one by the bill the money must cover, and matches it with funding partners who review it and make their own decision. Six structures are covered, from working capital to equipment financing, for a county with 7,136 employer establishments (Census Bureau, 2023). - [How Getting a Business Loan Works in Santa Cruz, CA: Owner Guide](https://stonevaleadvances.com/how-it-works/): Stonevale Advances, a small-business funding service in Santa Cruz, California, explains how a funding request moves from the first call to a funding partner's decision, and what partners read: credit reports, bank statements and the purpose of the money. No approval, rate or timing is promised; partners decide. - [Answers to Business Loan Questions in Santa Cruz, CA: Owner Guide](https://stonevaleadvances.com/faq/): Stonevale Advances, a small-business funding service in Santa Cruz, California, answers owner questions on business funding: documents, how long loans take, credit unions, LLCs, business licenses, payment math and applying with an EIN. Where an answer turns on law or tax, the page says to ask a professional. - [Stonevale Advances, a Business Funding Company in Santa Cruz, CA](https://stonevaleadvances.com/about/): Stonevale Advances, a small-business funding service in Santa Cruz, California, explains who it is, how it works with Santa Cruz County, CA owners by phone and online form, how funding partners are chosen for a request, and how it is paid. Partners make every credit decision. - [Reach Stonevale Advances for Business Funding in Santa Cruz, CA: Owner Guide](https://stonevaleadvances.com/contact/): Stonevale Advances, a small-business funding service in Santa Cruz, California, can be reached by phone or the online request form. This page gives the phone number and listed location, explains when the form fits better than a call, and how owners outside Santa Cruz County, CA reach Stonevale. - [Begin Your Santa Cruz, CA Business Loan Request: Owner Guide](https://stonevaleadvances.com/apply/): Stonevale Advances, a small-business funding service in Santa Cruz, California, opens funding requests from the form on this page, or from a phone call. The form asks for full name, phone, email, company name if any, and three range picks, and ends with a required consent box. This page explains each field and applying with an EIN or as an LLC. - [What Stonevale Advances Discloses to Santa Cruz, CA Applicants](https://stonevaleadvances.com/disclosures/): Stonevale Advances, a small-business funding service in Santa Cruz, California, sets out its role on this page: it matches funding requests with partners and does not fund them itself. Each partner reviews a request on its own terms and decides for itself. It also explains merchant cash advances, what details are passed on, and the points to check before signing an offer. ## Optional - [Full text of every page](https://stonevaleadvances.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://stonevaleadvances.com/sitemap.xml)