# Bellshire Business Funding > Bellshire Business Funding is a small-business funding broker at 111 Sidney Baker St, Kerrville, TX 78028 (phone (830) 223-0504). It helps businesses in Kerrville, TX; Ingram, TX and across Kerr County, Texas, explore funding options. Bellshire Business Funding takes funding requests for Kerrville and Kerr County, Texas businesses: equipment financing, lines of credit, working capital, term loans, inventory financing and merchant cash advances, reviewed and decided by third-party funding partners. Bellshire Business Funding is a loan broker and not a lender. It passes business funding requests to third-party lenders and funding providers; each of them reviews the request and makes its own decision. Bellshire Business Funding is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Bellshire Business Funding does not lend, does not decide on credit and does not take requests from trucking or agriculture businesses; no rates, amounts or approvals are stated or implied. Key facts: - Business type: small-business funding broker (not a lender) - Address: 111 Sidney Baker St, Kerrville, TX 78028, United States - Phone: (830) 223-0504 - Apply: https://bellshirebusinessfunding.com/apply/ - Places: Kerrville, TX; Ingram, TX and all of Kerr County, Texas - Language: English ## Funding options - [Types of Business Loans for Kerrville, TX Home Builders and Restaurants](https://bellshirebusinessfunding.com/business-loans/): Match the product to the cost: one large purchase, a bill that repeats, stock that sells through, or a machine that earns over years. The table below sets the six side by side, and every product has its own page. - [Working Capital Loans in Kerrville, TX for Home Builders and Restaurants Covering Payroll](https://bellshirebusinessfunding.com/business-loans/working-capital/): Working capital bridges the weeks when crews and suppliers are owed money and customers have not paid yet. Below: how lenders differ, how long the terms run, an invented payroll gap for a specialty contractor and what the money can and cannot be used for. - [Business Term Loans in Kerrville, TX for Home Builders, Restaurants and Business Buyers](https://bellshirebusinessfunding.com/business-loans/term-loans/): A term loan trades flexibility for a payment that never changes. Below: an invented office purchase, what a term loan pays for at a contractor, how much down a buyer may need and a month-one breakdown for an HVAC shop. - [Business Lines of Credit in Kerrville, TX for Home Builders and Restaurants](https://bellshirebusinessfunding.com/business-loans/line-of-credit/): A line of credit is a standing limit, not a lump sum. Below: how draws work for builders and kitchens, how limits are set and renewed, the draw period, what a real estate office should expect and when a line is worth its fee. - [Inventory Financing for Contractors and Stores Around Kerrville, TX](https://bellshirebusinessfunding.com/business-loans/inventory-financing/): Inventory financing is lending against stock. Below: how it differs from purchase order financing, how the advance and paydown work, what to compare between companies and an invented bulk-buy example for a contractor. - [Equipment Financing in Kerrville, TX: Excavators, Kitchen Lines and Shop Lifts](https://bellshirebusinessfunding.com/equipment-financing/): The machine can secure its own financing, which makes equipment one of the more straightforward costs to match to a product. Below: used equipment, loans versus finance agreements, both lease types, the steps and how the debt is recorded. - [Merchant Cash Advances in Kerrville, TX for Restaurants and Shops With Card Sales](https://bellshirebusinessfunding.com/merchant-cash-advance/): Selling a slice of tomorrow's card receipts is what an advance amounts to, and its price is a factor, not an interest rate. Below: how it differs from revenue-based financing, how to work out a factor, how it compares with a line of credit and why it is not a loan. ## Industries - [Restaurant Loans in Kerrville, TX for Ice Machines, Ranges and Walk-in Coolers](https://bellshirebusinessfunding.com/industries/restaurants/): A kitchen spends money in two ways: machines bought once and food bought every week. This page splits the two and adds Kerr County, TX restaurant counts from County Business Patterns. - [Kerrville, TX Medical Practice Loans: Exam Tables, EHR Hardware and Claim Delays](https://bellshirebusinessfunding.com/industries/medical-practices/): Equipment, a buy-in and a billing gap are three different requests. Each is matched below to a product, with invented examples worked out in full and Kerr County, TX counts from County Business Patterns. - [Business Loans for Retail in Kerrville, TX: Signage, Shelving and Bulk Stock Orders](https://bellshirebusinessfunding.com/industries/retail/): Stock, movable fixtures and POS systems each fit a different product. Below: invented examples worked out in full and Kerr County, TX retail figures from County Business Patterns. - [Kerrville, TX Financing for Contractors: Skid Steers, Excavators and Materials](https://bellshirebusinessfunding.com/industries/construction/): Machines, materials and retainage are three different costs. Each is matched to a product below, with invented examples worked out in full and Kerr County, TX construction and permit figures. - [Auto Repair Shop Loans in Kerrville, TX: Wheel Balancers, Tire Machines and a Shop Purchase](https://bellshirebusinessfunding.com/industries/auto-repair/): Shop equipment, additional movable machinery and a whole business are three separate requests. Each is matched below to a product, with invented examples computed in full and Kerr County, TX repair shop counts. - [Landscaping Equipment Financing in Kerrville, TX: Sod Cutters, Dump Trailers and Crew Payroll](https://bellshirebusinessfunding.com/industries/landscaping/): Machines go on equipment financing; materials and payroll go on a line or a working capital loan. Invented examples below are computed in full, next to Kerr County, TX landscaping counts. - [Kerrville, TX Manufacturing Equipment Financing: Packaging Lines, Forklifts and Shift Payroll](https://bellshirebusinessfunding.com/industries/manufacturing/): A plant buys machines once and pays wages every two weeks; each cost below is matched to a product, with invented figures worked out in full and Kerr County, TX manufacturing counts. - [Kerrville, TX Business Loans for Real Estate Agents: Phone Systems, Signage and Commission Gaps](https://bellshirebusinessfunding.com/industries/real-estate-agents/): A real estate office spends on technology, space and people, and earns at closing. The sections below match each cost to a product, with invented figures and Kerr County, TX counts for agent offices. - [Accounting Firm Loans in Kerrville, TX: Consulting Firm Growth and Contract Gaps](https://bellshirebusinessfunding.com/industries/accounting-firms/): A practice purchase, an equipment refresh and a payroll gap are three different requests. Each is set against a product below, with invented figures worked out and Kerr County, TX counts for accounting and consulting firms. - [Plumbing and HVAC Business Loans in Kerrville, TX: Jetters, Recovery Machines and Slow-Paying Jobs](https://bellshirebusinessfunding.com/industries/plumbing-hvac/): Machines, parts on the shelf and wages during a long wait are three different costs. Each is matched to a product below, with invented figures worked out and Kerr County, TX counts for the trade. - [Kerrville, TX Chiropractic Practice Loans: Rehab Gear, Therapy Equipment and a Second Location](https://bellshirebusinessfunding.com/industries/chiropractic-and-therapy-practices/): Chiropractors, physical therapists and optometrists share one Census code and similar costs: equipment, payroll during claim delays and expansion. Each is matched to a product below, with invented figures and Kerr County, TX counts. - [Business Loans by Industry for Kerrville, TX: From Home Builders to Restaurants](https://bellshirebusinessfunding.com/industries/): Counts on this page are Kerr County, TX employer establishments from the 2023 County Business Patterns, by NAICS code, unless a line says ZIP 78028 or Nonemployer Statistics. ## Tools and calculators - [Kerrville, TX Small Business Guides for Home Builders and Restaurants](https://bellshirebusinessfunding.com/resources/): Every outside link on this page goes to an official or public site checked on 2026-10-28. None of those offices is affiliated with Bellshire Business Funding. - [Equipment Return on Investment Calculator for Kerrville, TX Builders and Service Trades](https://bellshirebusinessfunding.com/resources/equipment-return-on-investment-calculator/): Use it to test an offer or a quote before a request. The sections below work two invented examples by hand: a lift for an auto repair shop and a smoker for a restaurant. ## Communities near Kerrville, TX - [Business Loans in Kerrville, TX: Kerr County, TX Business Data for Home Builders and Restaurants](https://bellshirebusinessfunding.com/kerrville-tx/): Kerr County, TX counted 1,581 employer establishments in 2023 (County Business Patterns). This page sorts the costs Kerrville, TX builders, kitchens and practices bring to a funding partner, and shows which product each one points to. - [Business Loans for Places Around Kerrville, TX, From Contractor Leases to Real Estate Offices](https://bellshirebusinessfunding.com/service-areas/): The place figures here are ZIP Code figures (ZIP Code Business Patterns, 2023). A ZIP is not a city: each ZIP named below reaches well beyond the place it is named for. ## Company - [Small Business Loans in Kerrville, TX for Home Builders, Restaurants and Physician Offices](https://bellshirebusinessfunding.com/): Of the 1,581 Kerr County, TX locations with paid staff in 2023, 55.3% had fewer than five employees (County Business Patterns), which is why the examples on this site are sized for small shops. This site explains six funding products in plain words, shows each one with invented example figures, and starts a request by phone or form. Partners review and decide. - [How to Get a Business Loan in Kerrville, TX: Steps for Home Builders and Restaurants](https://bellshirebusinessfunding.com/how-it-works/): Underwriting is a partner checking that the business can carry the payment. This page walks through that review, the business credit score some partners use, what qualifying means and the statements and returns to have ready. - [Business Loan Questions for Kerrville, TX Contractors and Real Estate Offices](https://bellshirebusinessfunding.com/faq/): Short answers to questions that come up before a request. For anything about your own taxes, ask your accountant; for terms, read the offer a funding partner makes. - [About Bellshire Business Funding: Business Loan Help for Kerrville, TX Home Builders and Restaurants](https://bellshirebusinessfunding.com/about/): Bellshire sits in front of the lender: it hears what the money has to pay for, matches that to a product shape and hands the request on. The review, the price and the yes or no belong to the funding partner. - [Talk With Bellshire Business Funding About Financing a Kerrville, TX Home Builder or Restaurant](https://bellshirebusinessfunding.com/contact/): Below: the questions worth asking any lender, what to have on hand before the call, and where to find Bellshire by phone, by form or in person. - [Business Loan Application for Kerrville, TX Home Builders and Restaurants](https://bellshirebusinessfunding.com/apply/): The initial form is only a request for review, not a credit application. A partner can check credit during its own process. This page lists the records a partner can ask for later, a checklist for a commission-paid office and the steps that follow. - [Disclosures for Bellshire Business Funding, Kerrville, TX](https://bellshirebusinessfunding.com/disclosures/): What Bellshire is and is not, what the figures on this site are, and which businesses it does not pass on. ## Optional - [Full text of every page](https://bellshirebusinessfunding.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://bellshirebusinessfunding.com/sitemap.xml)