Tallcroft Lending, a small-business funding service in Huntsville, Texas, sets out here how its role and its partners' decisions work, how merchant cash advances differ from loans, and how the Census figures on this site should be read. Funding partners make all credit decisions and set rates and terms.
Tallcroft Lending's role
Tallcroft Lending is a broker, not a lender. It does not make loans or purchase receivables with its own funds. It matches a business's request with funding partners; partners make credit decisions and set rates and terms.
No request is approved by Tallcroft, and no outcome, amount, rate or funding date is promised.
Merchant cash advances are not loans
A merchant cash advance is a purchase of part of a business's future receipts. It is not a loan, and the amount collected is remitted from receipts rather than repaid on a loan schedule.
Credit checks and records
A funding partner may obtain credit reports on the business and its owners and may ask for financial records. Each partner follows its own process and privacy terms.
Figures on this website
Business counts on this site come from U.S. Census Bureau programs (County Business Patterns 2023, ZIP Code Business Patterns 2023, Nonemployer Statistics 2024, American Community Survey 2020-2024, Building Permits Survey), each labeled with its year. The employer counts and the no-payroll counts are separate Census programs, so this site keeps them apart. Worked examples with dollar figures are invented for illustration and are not offers.
By Tallcroft Lending · Updated