Working Capital
A lump sum for wages, supplier bills and the stretch between finishing work and getting paid for it.
Minot, ND
Minot, North Dakota Business Funding: Compare Your Options
Wages due Friday, a used loader on a dealer's lot, a fuel load to pay for before it sells. Tell us where the month bends and we will line up the funding options that fit it.
Six funding options
6 options Ward County, ND businesses use to carry a dip in cash, each repaid or collected its own way.
Business Term Loans
Borrow once, repay on a set schedule: remodels, a second location, buying out a practice or an agency book.
Business Line of Credit
A revolving limit: draw when a month dips, pay it down when receivables land, draw again.
Inventory Financing
Money for shelves, parts rooms and fuel tanks, often secured by the stock it buys.
Equipment Financing
Loans and leases for service trucks, lifts, kitchen lines, dental chairs and oilfield iron, new or used.
Merchant Cash Advance
A sale of a share of future receipts, not a loan.
Ward County, ND Businesses in Census Figures
- 2,043
Employer establishments
Ward County, ND business locations with at least one paid employee.
Source: U.S. Census Bureau, County Business Patterns 2023 - 51.2%
Employers under five people
Share of Ward County, ND employer establishments with fewer than five employees.
Source: U.S. Census Bureau, County Business Patterns 2023 - 4,965
Nonemployer businesses
Ward County, ND businesses with receipts and no payroll.
Source: U.S. Census Bureau, Nonemployer Statistics 2024 - 10.6%
Self-employed residents
Share of employed Ward County, ND residents working for themselves (margin of error +/- 1.6 points).
Source: U.S. Census Bureau, American Community Survey 2020-2024
Small towns near Minot, ND
Requests from across Ward County, ND and the counties next to it can be made by phone and online.
How it works
A call, a look at the records, a partner's review and your decision.
Point to the dip
Phone us, or send the online request and wait for our call. The bill, its amount and its due date come first.
Gather the records
We go over bank statements and business records, then narrow the options that suit the need.
A partner reviews
A partner works through the file, rules on it and prices whatever it offers.
You decide
Weigh total cost and the repayment rhythm. Turning an offer down is allowed at every stage of the request.
First Questions From Ward County, ND Owners
Brief answers to first questions a Ward County, ND owner may have.
Where can I find business loans near me in Minot, ND?
A
Heathbend Credit is based in Minot, ND and works by phone and online, so an owner anywhere in Ward County, ND can start a request without a trip into town. We sort the request and pass it to funding partners who make their own decisions.
Does Heathbend Credit cover small business loans across North Dakota?
A
The site is written for Minot, ND and Ward County, ND, and its local figures describe that area. Calls from elsewhere in North Dakota are welcome; whether a partner considers a given business is the partner's decision.
Is Heathbend Credit a business loan consultant?
A
We help an owner choose between funding options and prepare the request, and a funding partner reviews and decides. How we are paid is explained on the disclosures page.
Is Heathbend Credit a CDFI?
A
No. Heathbend Credit does not lend at all, and it is not a community development financial institution. If a CDFI suits your situation better, say so on the call and we will tell you plainly.
What gets covered when we first speak?
A
What the money is for, when it is needed, how the business is paid, and which records you can pull together. From that we name the options worth a partner's time.
Have a different question? Call (701) 380-9142 and ask it.
Send the Request, Then Take Our Call
The form asks for your full name, phone and email, a company name if you have one, ranges for time in business, annual revenue and the amount you need, plus a consent box. Prefer to talk first? Call (701) 380-9142.
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