Call (503) 918-0856 or send the request form to reach Silverfield Credit in Oregon City, OR. The page lists questions to put to any funding partner before signing, and what a practice or crew can have ready for the call.
Questions to ask lenders about a Clackamas County, OR finishing contractor loan
Whichever partner makes an offer, a drywall, paint or flooring contractor can put these questions to it before signing anything:
- Adding every fee to the interest, what does the whole term cost from start to finish?
- Are payments daily, weekly or monthly, and does that schedule line up with when builders pay my invoices?
- Can the balance be paid off early, and does paying early save interest or carry a charge?
- Is a personal guarantee, or a lien on equipment or receivables, part of the deal?
- If a general contractor pays an invoice late, what happens to my next payment?
- For a credit line, when is the limit reviewed, and can it be cut between jobs?
Questions to ask when getting a business loan as a Clackamas County, OR real estate office
An agency's income lands at closing, so its questions come back to fit with that calendar:
- Is the payment amount fixed, or does it move with a variable rate?
- Does the payment date leave room for a month with no closings?
- Are fees charged at funding, and are they taken out of the amount the office receives?
- Is collateral required, and which business assets would it cover?
- What does it cost to close the account or pay the balance off ahead of schedule?
Silverfield Credit does not arrange loans to buy or refinance real estate, so these questions apply to business funding for the agency itself: staff, marketing, equipment and the months between closings.
Business loan questions for Clackamas County, OR consulting firms
For a consulting firm, the questions about a business loan can turn on receivables, contracts and the owner's own credit:
- Does the partner count signed client contracts or open invoices when sizing the amount?
- Is the owner's personal credit checked, and at what point in the review?
- Does a line of credit or a term loan fit better when billing swings from month to month?
- Which records prove revenue for a firm paid by wire or ACH rather than by card?
Bring these to the call. The office can point to the pages on this site for each product, such as the business line of credit page and the term loan page.
What to have ready when a Clackamas County, OR therapy practice calls
A physical therapy, chiropractic or counseling office falls under NAICS 6213, offices of other health practitioners, in County Business Patterns; Clackamas County, OR had 344 such establishments in 2023. ZIP Code 97045 counted 37 offices under the same code that year.
Before the call, a practice can have these at hand:
- What the money is for: a treatment table, an ultrasound or traction unit, furnishings for a second treatment room, or payroll while insurance claims are paid
- The amount needed and roughly when
- The year the practice opened and a rough figure for its annual revenue
- Monthly payments already going to other loans or leases
- Any equipment quote, to go over on the call (the form has no upload)
The request form itself takes only the contact details and the three ranges; everything else waits for the call.
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