# Wrenbridge Capital

> Wrenbridge Capital is a small-business funding broker at 111 Bank St, Burlington, VT 05401 (phone (802) 209-2629). It helps businesses in Burlington, VT; South Burlington, VT; Essex Junction, VT and across Chittenden County, Vermont, explore funding options. Six funding options for small businesses around Burlington, VT: working capital loans, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances (an advance, not a loan). Funding partners review each request and set every term. Wrenbridge Capital is a broker and not a lender. A request is passed to independent funding partners, and each partner reviews it and sets its own terms and decisions. Wrenbridge Capital is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. No trucking funding and no agriculture funding (farms, ranches, crops or livestock). No startup or SBA loans.

Key facts:
- Business type: small-business funding broker (not a lender)
- Address: 111 Bank St, Burlington, VT 05401, United States
- Phone: (802) 209-2629
- Apply: https://wrenbridgecapital.com/apply/
- Places: Burlington, VT; South Burlington, VT; Essex Junction, VT and all of Chittenden County, Vermont
- Language: English

## Funding options
- [Business Financing Options in Burlington, VT, Matched to Chittenden County, VT Trades](https://wrenbridgecapital.com/business-loans/): Match the purchase to the product: short gaps to working capital or a line, long-lived machines to equipment financing, one-time projects to a term loan, stock to inventory financing, and card-sales advances only after reading their cost.
- [Working Capital Loans in Burlington, VT for Payroll, Food Orders and Claim Lags](https://wrenbridgecapital.com/business-loans/working-capital/): A working capital loan bridges a known gap of weeks or months between paying out and getting paid. It is the wrong tool for a machine that lasts ten years; that belongs on equipment financing.
- [Business Term Loans in Burlington, VT for a Practice Buy-In or Movable Inn Furnishings](https://wrenbridgecapital.com/business-loans/term-loans/): Term borrowing suits a single outlay whose payoff stretches across several years. It is a poor fit for stock that sells in weeks or for gaps that come and go; those suit inventory financing or a line of credit.
- [Business Line of Credit in Burlington, VT: Draws for Slow Weeks and Equipment Repairs](https://wrenbridgecapital.com/business-loans/line-of-credit/): Think of the line as a ceiling to borrow under rather than a check that arrives once. Draw for a gap, repay as cash comes in, and the room to draw again comes back. One-time projects fit a term loan better.
- [Inventory Financing in Burlington, VT for Retail Shelves and Grocery Stock](https://wrenbridgecapital.com/business-loans/inventory-financing/): Finance stock with stock-sized money: inventory financing or a line for goods that sell in weeks, never a long loan. Equipment on the sales floor belongs on equipment financing.
- [Equipment Financing in Burlington, VT: Espresso Bars, Dental Chairs and Gym Racks](https://wrenbridgecapital.com/equipment-financing/): Match the term to the machine: a chair or a cooler that works for years can be paid off over years. Stock, repairs and payroll belong on other products.
- [Merchant Cash Advance in Burlington, VT: What Card-Sales Remittances Mean for a Cafe](https://wrenbridgecapital.com/merchant-cash-advance/): What the business signs is a sale of card receivables it has yet to earn, which is why an advance is not a loan. Its cost is fixed up front by a factor, and the daily amount rises and falls with card sales.

## Industries
- [Business Loans by Industry in Burlington, VT: Kitchens, Practices, Studios and Inns](https://wrenbridgecapital.com/industries/): Trades around Burlington, VT grouped by what they buy, with Census employer counts for Chittenden County, VT and notes on matching funding products.
- [Burlington, VT Restaurant Loans for Dish Machines and a Second Location](https://wrenbridgecapital.com/industries/restaurants/): A machine that runs for years fits equipment financing; payroll and food orders fit working capital or a credit line. Chittenden County, VT counted 279 restaurants with paid staff in 2023.
- [Burlington, VT Dental Office Loans for Milling Units and Imaging Upgrades](https://wrenbridgecapital.com/industries/dental-practices/): Chairs and scanners fit equipment financing, lab bills fit working capital, and an office purchase fits a term loan. Payroll-paying dental offices in Chittenden County, VT numbered 97 in 2023.
- [Burlington, VT Medical Practice Loans for Lab Analyzers and a Second Office](https://wrenbridgecapital.com/industries/medical-practices/): Claim delays fit a credit line, analyzers and exam tables fit equipment financing, and movable clinic furnishings or a buy-in can fit a term loan. Physician offices with a payroll in Chittenden County, VT came to 93 in 2023.
- [Burlington, VT Salon Business Loans for Nail Tables and Movable Furnishings](https://wrenbridgecapital.com/industries/salons/): Chairs and stations fit equipment financing; movable furnishings can fit a term loan; a payroll gap fits working capital. Chittenden County, VT had 79 salons and barber shops with paid staff in 2023.
- [Gym Business Loans in Burlington, VT: Cable Machines and Membership Dips](https://wrenbridgecapital.com/industries/gyms-and-fitness/): Machines fit equipment financing, movable studio equipment can fit a term loan, and dues dips fit a credit line. The county's 2023 count of fitness and recreational sports centers with paid staff came to 33.
- [Burlington, VT Construction Business Loans for Mini Excavators and Bonding-Ready Cash](https://wrenbridgecapital.com/industries/construction/): Machines and trailers fit equipment financing; materials and payroll before a draw fit working capital or a credit line. The 2023 County Business Patterns tally for construction in Chittenden County, VT: 605 establishments with paid staff.
- [Burlington, VT Business Loans for Retail: Security Systems, Signage and Supplier Terms](https://wrenbridgecapital.com/industries/retail/): Fixtures and hardware fit equipment financing, movable store furnishings can fit a term loan, and supplier-term gaps fit a credit line. County Business Patterns puts the county's retail trade establishments with payroll at 734 for 2023.
- [Business Loans for Manufacturing Companies in Burlington, VT: Plant Upgrades and Tooling](https://wrenbridgecapital.com/industries/manufacturing/): Machines and tooling fit equipment financing; material bought ahead of an order fits a credit line or working capital. By our arithmetic, the county's 236 manufacturing establishments averaged about 38.8 employees in 2023.
- [Burlington, VT Auto Repair Shop Loans for Wheel Balancers and Technician Payroll](https://wrenbridgecapital.com/industries/auto-repair/): Lifts, balancers and scanners fit equipment financing; tires and parts fit inventory financing; payroll gaps fit working capital. 53.4% of county auto repair establishments had fewer than five employees in 2023.
- [Burlington, VT Daycare Center Financing for Security Cameras, Cribs and Classroom Equipment](https://wrenbridgecapital.com/industries/child-care/): Vans, cameras, cribs and classroom furniture fit equipment financing; payroll gaps fit working capital. By our arithmetic, county child day care payroll averaged about $428,000 per center in 2023.
- [Burlington, VT Landscaping Equipment Financing for Crew Trucks and Irrigation Parts](https://wrenbridgecapital.com/industries/landscaping/): Mowers, loaders and truck upfits fit equipment financing; fuel, repairs and parts fit a credit line. 77.1% of the county's landscaping services establishments had fewer than five employees in 2023.
- [Burlington, VT Grocery Store Loans for Checkout Lanes and Cooler Repairs](https://wrenbridgecapital.com/industries/grocery-stores/): Cases and lanes fit equipment financing, repairs and stock fit a credit line, and movable fixtures can fit a term loan. The county's 70 grocery and convenience stores (NAICS 4451) averaged about 41.5 employees each in 2023.
- [Burlington, VT Hotel Loans for Keycard Systems and Linen Stock](https://wrenbridgecapital.com/industries/hotels-motels/): Room furniture, television packages, laundry machines and keycard locks fit equipment financing; movable furnishings can also fit a term loan. Hotels, motels and inns with paid staff made up 43 traveler accommodation establishments county-wide in 2023.
- [Coffee Shop Loans in Burlington, VT: Ice Machines and Slow-Week Payroll](https://wrenbridgecapital.com/industries/coffee-shops/): Espresso machines, grinders and cases fit equipment financing; bean orders and payroll fit a credit line or working capital. Coffee shops sit in the snack and nonalcoholic beverage bar code, which counted 58 county establishments with paid staff in 2023.

## Tools and calculators
- [Burlington, VT Funding Resources: A Working Capital Calculator and Planning Checklists](https://wrenbridgecapital.com/resources/): A loan payment calculator and four planning checklists with invented worked examples, written for Chittenden County, VT salons, gyms and practices.
- [Working Capital Calculator Online for Burlington, VT Restaurant Owners](https://wrenbridgecapital.com/resources/working-capital-calculator/): Two tools in one page: the calculator for a loan payment, and the tables for working capital and the current ratio. Use invented or real figures; neither is an offer.

## Communities near Burlington, VT
- [Business Loans in Burlington, VT: Chittenden County, VT Employers in Figures](https://wrenbridgecapital.com/burlington-vt/): How a Burlington, VT funding request works, worked budgets for six kinds of purchase, and the Census rows for Chittenden County, VT.
- [Business Funding Around Chittenden County, VT: Three City Pages and Notes on Nearby Communities](https://wrenbridgecapital.com/service-areas/): Three city pages, three county-wide trade notes and ZIP Code rows for four smaller Chittenden County, VT communities.
- [Business Loans for South Burlington, VT Restaurant Owners and Dental Offices](https://wrenbridgecapital.com/service-areas/south-burlington-vt/): Lease, zoning and permit questions to settle before a South Burlington, VT funding request, with ZIP 05403 figures.
- [Business Loans for Essex Junction, VT Dental Offices and Physician Practices](https://wrenbridgecapital.com/service-areas/essex-junction-vt/): Funding notes for Essex Junction, VT practices, salons, gyms and repair shops, with ZIP 05452 and city figures labeled.

## Company
- [Small Business Loans in Burlington, VT for Cafes, Clinics, Salons and Inns](https://wrenbridgecapital.com/): The median employer in Chittenden County, VT is a very small one: of 5,665 employer establishments in 2023, 2,893 (51.1%) had fewer than five employees (County Business Patterns, our arithmetic). The pages below explain each funding option in plain terms, with examples from the trades that fill Burlington, VT storefronts, offices and kitchens.
- [How a Credit Line Request Moves in Burlington, VT: Call, Statements, Partner Offer](https://wrenbridgecapital.com/how-it-works/): Call or send the form, talk the purpose through on the call, share statements when a partner asks, then read the written offer. Wrenbridge Capital does not make the decision; the funding partner does.
- [Burlington, VT Credit Line and Loan Questions and Answers for Cafes, Clinics and Inns](https://wrenbridgecapital.com/faq/): Plain answers, each linked to its product page. Every amount, rate and term on an offer is the funding partner's to set.
- [About Wrenbridge Capital: A Business Funding Office in Burlington, VT](https://wrenbridgecapital.com/about/): Wrenbridge Capital prepares business funding requests with Chittenden County, VT owners and passes them to independent funding partners; the partner decides on any offer and its terms.
- [Talk to Wrenbridge Capital in Burlington, VT About a Credit Line or Equipment](https://wrenbridgecapital.com/contact/): Phone (802) 209-2629, the request form, and the office address with a map. A call or the form starts a request; a funding partner reviews it later.
- [Apply for a Business Credit Line in Burlington, VT: The Form and What Comes Next](https://wrenbridgecapital.com/apply/): The form takes contact details and three picks from a list. Wrenbridge Capital passes the request to a funding partner, which asks for any records it needs and makes any offer in writing.
- [Disclosures for Wrenbridge Capital, Burlington, VT](https://wrenbridgecapital.com/disclosures/): Funding partners make every decision and set every term; Census figures are labeled; worked examples use invented figures.

## Optional
- [Full text of every page](https://wrenbridgecapital.com/llms-full.txt): plain-text version of the site for AI assistants
- [Sitemap](https://wrenbridgecapital.com/sitemap.xml)