# Palmbrook Funding > Palmbrook Funding is a small-business funding broker at 510 1/2 St Joseph St, Rapid City, SD 57701 (phone (605) 443-7379). It helps businesses in Rapid City, SD; Box Elder, SD; Piedmont, SD; Hill City, SD and across Pennington County, South Dakota, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Palmbrook Funding connects you with lending partners; partners make credit decisions and set rates and terms. Palmbrook Funding is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Palmbrook Funding does not arrange personal, payday, auto title, mortgage or SBA loans, does not offer grants, and does not arrange funding for agriculture or trucking. Key facts: - Business type: small-business funding broker (not a lender) - Address: 510 1/2 St Joseph St, Rapid City, SD 57701, United States - Phone: (605) 443-7379 - Apply: https://palmbrookfunding.com/apply/ - Service area: Rapid City, SD; Box Elder, SD; Piedmont, SD; Hill City, SD and all of Pennington County, South Dakota - Language: English ## Funding options - [Black Hills Business Funding Options From Rapid City, SD](https://palmbrookfunding.com/business-loans/): On this page Palmbrook Funding, a small-business funding broker in Rapid City, South Dakota, sets out six options: working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. Each is set out by repayment pattern, common uses and what lending partners review. Lending partners, not Palmbrook, approve requests and set rates and terms. - [Working Capital Financing for Rapid City, SD and Black Hills Businesses](https://palmbrookfunding.com/business-loans/working-capital/): Working capital financing is a short-term sum, paid back in set installments, that covers wages, rent and supplier bills until customer payments arrive. Palmbrook Funding, a small-business funding broker in Rapid City, South Dakota, explains how partners size it, what it should not pay for, and how it compares with a line of credit or a merchant cash advance. - [Business Term Loans for Rapid City, SD and Black Hills Businesses](https://palmbrookfunding.com/business-loans/term-loans/): A business term loan is a lump sum repaid in scheduled installments over an agreed term, used for fit-outs, expansions and refinancing. Palmbrook Funding, a small-business funding broker in Rapid City, South Dakota, explains amortization, balloon payments and what partners review for Pennington County projects. The credit decision, rate and terms all come from the lending partner. - [Business Lines of Credit for Rapid City, SD and Black Hills Businesses](https://palmbrookfunding.com/business-loans/line-of-credit/): A business line of credit is a borrowing limit a business draws on as costs arise and repays as cash comes in, with interest charged only on the amount drawn. Palmbrook Funding, a small-business funding broker in Rapid City, South Dakota, explains draw periods, revolving and non-revolving lines, collateral and personal credit. Partners make the decision and write the rates and terms. - [Inventory Financing for Rapid City, SD and Black Hills Businesses](https://palmbrookfunding.com/business-loans/inventory-financing/): Inventory financing is business funding used to buy stock, usually secured by that inventory, and repaid as the goods sell. Palmbrook Funding, a small-business funding broker in Rapid City, South Dakota, explains how partners value stock, what a UCC filing means, and how it compares with a credit line, using Pennington County retail and wholesale data. Lending partners, not Palmbrook, approve requests and set rates and terms. - [Equipment Financing and Leasing for Rapid City, SD and Black Hills Businesses](https://palmbrookfunding.com/equipment-financing/): Equipment financing funds machinery, vehicles and tools, usually with the equipment as collateral, through a loan, a lease or an equipment finance agreement. Palmbrook Funding, a small-business funding broker in Rapid City, South Dakota, explains each structure, $1 buyout leases and used equipment for Pennington County contractors, restaurants and clinics. Partners make the decision and write the rates and terms. - [Merchant Cash Advances for Rapid City, SD and Black Hills Businesses](https://palmbrookfunding.com/merchant-cash-advance/): A merchant cash advance is not a loan: a funder purchases part of a business's future receivables and collects them through a holdback from card or bank deposits. Palmbrook Funding, a small-business funding broker in Rapid City, South Dakota, explains holdbacks, factor rates, reconciliation, stacking and default so Pennington County owners can total the cost before signing. ## Industries - [Industry Financing for Pennington County, SD Businesses](https://palmbrookfunding.com/industries/): Palmbrook Funding, a small-business funding broker in Rapid City, South Dakota, serves contractors, restaurants, medical and dental offices and shops across Pennington County. This page sets each sector's 2023 Census counts beside the funding types that fit how it earns and spends. Lending partners, not Palmbrook, approve requests and set rates and terms. - [Contractor and Construction Financing for Rapid City, SD and Black Hills Businesses](https://palmbrookfunding.com/industries/construction/): Palmbrook Funding, a small-business funding broker in Rapid City, South Dakota, walks Pennington County contractors through equipment financing, working capital and lines of credit. The county had 519 construction employer establishments and 4,729 construction employees in 2023 (U.S. Census Bureau). Lending partners, not Palmbrook, approve requests and set rates and terms. - [Restaurant and Food Service Financing for Rapid City, SD and Black Hills Businesses](https://palmbrookfunding.com/industries/restaurants/): Palmbrook Funding, a small-business funding broker in Rapid City, South Dakota, helps Pennington County restaurants compare equipment financing, working capital and merchant cash advances. The county had 298 food service and drinking places with 6,100 employees in 2023 (U.S. Census Bureau). Lending partners, not Palmbrook, approve requests and set rates and terms. - [Medical and Dental Practice Financing for Rapid City, SD and Black Hills Businesses](https://palmbrookfunding.com/industries/medical-dental/): Palmbrook Funding, a small-business funding broker in Rapid City, South Dakota, helps Pennington County medical and dental practices compare equipment financing, working capital and term loans for fit-outs. The county had 325 ambulatory health care employer establishments in 2023, including 85 physician and 62 dental offices (U.S. Census Bureau). The partner makes the call and writes the terms. ## Guides and calculators - [South Dakota Funding Guides for Rapid City, SD Owners](https://palmbrookfunding.com/resources/): Palmbrook Funding, a small-business funding broker in Rapid City, South Dakota, publishes these guides for Pennington County owners: a South Dakota loan readiness plan, the state sales tax license and why partners ask about it, Rapid City, SD license and zoning questions, a Black Hills directory of free help, and an equipment financing calculator. - [How to Get a Business Loan in South Dakota: A Rapid City, SD Owner's Readiness Plan](https://palmbrookfunding.com/resources/how-to-get-a-business-loan-in-south-dakota/): Getting a business loan in South Dakota comes down to clean state records, separated finances, a clear purpose and the documents partners expect. Palmbrook Funding, a small-business funding broker in Rapid City, South Dakota, sets out a readiness plan for Pennington County owners, where SBA-backed loans and state programs fit, and how to choose a product. - [South Dakota Sales Tax License: Application, Lookup and Why Partners Ask](https://palmbrookfunding.com/resources/south-dakota-sales-tax-license/): Lending partners reviewing a South Dakota business often check that its tax registrations match how it operates. Palmbrook Funding, a small-business funding broker in Rapid City, South Dakota, explains why the state sales tax license comes up, what records to keep ready, and where owners find the official application and lookup. Requirements themselves come from the state, not from us. - [Rapid City, SD Business Licenses, Zoning and Building Codes](https://palmbrookfunding.com/resources/rapid-city-sd-business-license-and-zoning/): Owners in Rapid City, South Dakota should confirm jurisdiction, zoning and building-code requirements before leasing or building out a space. Palmbrook Funding, a small-business funding broker in Rapid City, explains the questions to ask, where the city's official information lives, and why lending partners funding a fit-out may want permits and bids. Rules themselves come from the city. - [Small Business Resources in Rapid City, SD and the Black Hills](https://palmbrookfunding.com/resources/black-hills-small-business-resources/): Owners in Rapid City and the Black Hills of South Dakota can get free help from Small Business Development Centers, the SBA, chambers and economic development groups. Palmbrook Funding, a small-business funding broker in Rapid City, South Dakota, describes what each offers and what to ask. Palmbrook Funding has no partnership or affiliation with any organisation listed. - [Equipment Financing Loan Calculator for Black Hills Businesses](https://palmbrookfunding.com/resources/equipment-financing-loan-calculator/): This equipment financing loan calculator estimates the monthly payment and total cost, including the down payment, from the price, down payment, annual rate and term you enter. Palmbrook Funding, a small-business funding broker in Rapid City, South Dakota, provides it for Black Hills owners comparing equipment offers. Real terms come only from lending partners. ## Areas served - [Rapid City, SD Business Funding: Pennington County, SD Data and Contacts](https://palmbrookfunding.com/rapid-city-sd/): Palmbrook Funding, a small-business funding broker in Rapid City, South Dakota, is at 510 1/2 St Joseph St in Pennington County, which had 4,137 employer establishments in 2023 and 10,204 businesses without employees in 2024 (U.S. Census Bureau). This page sets out employer sizes, ZIP 57701 sectors, self-employment and permit data, and how to reach the office. - [Black Hills Communities Served From Rapid City, SD](https://palmbrookfunding.com/service-areas/): Palmbrook Funding, a small-business funding broker in Rapid City, South Dakota, works with owners across the Black Hills by phone and online from 510 1/2 St Joseph St. Box Elder, Piedmont and Hill City have their own pages with ZIP-level Census data; Keystone, Hermosa, New Underwood and smaller places are described below with their counties. - [Box Elder, SD Business Funding Near Rapid City, SD](https://palmbrookfunding.com/service-areas/box-elder-sd/): Palmbrook Funding, a small-business funding broker in Rapid City, South Dakota, works with Box Elder owners by phone and online. ZIP 57719 had 190 employer establishments in 2023, 75.8 percent with fewer than five employees (Census ZBP), led by construction and professional services. Lending partners make credit decisions and set rates and terms. - [Piedmont, SD Business Funding Near Rapid City, SD](https://palmbrookfunding.com/service-areas/piedmont-sd/): Palmbrook Funding, a small-business funding broker in Rapid City, South Dakota, works with Piedmont owners in Meade County by phone and online. ZIP 57769 had 126 employer establishments in 2023 (Census ZBP); 41 were in construction and 73.8 percent of all employers had fewer than five people. Lending partners decide and set rates and terms. - [Hill City, SD Business Funding Near Rapid City, SD](https://palmbrookfunding.com/service-areas/hill-city-sd/): Palmbrook Funding, a small-business funding broker in Rapid City, South Dakota, works with Hill City owners in Pennington County by phone and online. ZIP 57745 had 126 employer establishments in 2023 (Census ZBP), led by accommodation and food services (33) and retail (28). Lending partners make credit decisions and set rates and terms. ## Company - [Palmbrook Funding: Rapid City, SD Business Funding Broker for the Black Hills](https://palmbrookfunding.com/): Palmbrook Funding, a small-business funding broker in Rapid City, South Dakota, puts none of its own money into any deal. From 510 1/2 St Joseph St it helps Black Hills owners compare working capital, term loans, credit lines, inventory and equipment financing, and merchant cash advances, then passes the request to lending partners who make every credit decision. - [How Palmbrook Funding Works for Rapid City, SD Owners](https://palmbrookfunding.com/how-it-works/): Palmbrook Funding, a small-business funding broker in Rapid City, South Dakota, follows four steps: a call about the purpose, matching a funding type, a lending partner's underwriting review, and the owner's own decision. This page explains underwriting, how long reviews take, how to compare APR with factor-rate pricing, and the warning signs to watch for. - [Rapid City, SD Business Funding Questions](https://palmbrookfunding.com/faq/): Palmbrook Funding, a small-business funding broker in Rapid City, South Dakota, answers common owner questions here: whether it lends, funding with only an EIN, how long an LLC should exist before applying, personal loans for business costs, and which requests it does not handle. Only a lending partner can approve, price or set terms. - [Request Funding Options From Rapid City, SD](https://palmbrookfunding.com/apply/): Palmbrook Funding, a small-business funding broker in Rapid City, South Dakota, takes requests through a short form asking for contact details, a business name, three ranges (time in business, annual revenue, amount requested) and consent. A call follows to discuss the purpose and which funding types fit. Only a lending partner can approve, price or set terms. - [About Palmbrook Funding, Rapid City, SD](https://palmbrookfunding.com/about/): Palmbrook Funding is a small-business funding broker, not a lender, at 510 1/2 St Joseph St in Rapid City, South Dakota. It helps Black Hills owners decide which of six funding types fits a purpose and then introduces the request to lending partners, who make credit decisions and set rates and terms. Approving, pricing and lending all happen elsewhere. - [Contact Palmbrook Funding in Rapid City, SD](https://palmbrookfunding.com/contact/): To reach Palmbrook Funding, a small-business funding broker in Rapid City, South Dakota, phone (605) 443-7379 or write to the half-number address on St Joseph St, 510 1/2 St Joseph St, Rapid City, SD 57701. Owners can also send the short online request form. Palmbrook Funding is not a lender; lending partners make credit decisions and set rates and terms. - [Broker Disclosures for Palmbrook Funding, Rapid City, SD](https://palmbrookfunding.com/disclosures/): Palmbrook Funding, a small-business funding broker in Rapid City, South Dakota, is a broker, not a lender. It does not make credit decisions, promise approvals or set terms; lending partners do. A merchant cash advance is not a loan. This page explains how information is shared and how to raise a concern. ## Optional - [Full text of every page](https://palmbrookfunding.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://palmbrookfunding.com/sitemap.xml)