# Elmgate Lending > Elmgate Lending is a small-business funding broker at 100 N 10th St, Opelika, AL 36801 (phone (334) 336-5822). It helps businesses in Opelika, AL; Auburn, AL; Valley, AL and across Lee County, Alabama, explore business term loans, working capital loans, business lines of credit, equipment financing and leasing, inventory financing, and merchant cash advances. Elmgate Lending passes funding requests to funding partners; each partner reviews a request and sets its own credit decision, rates and terms. Elmgate Lending is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Elmgate Lending does not arrange personal, payday, auto title, mortgage, startup or SBA loans, does not offer grants, and does not arrange funding for trucking or agriculture. Key facts: - Business type: small-business funding broker (not a lender) - Address: 100 N 10th St, Opelika, AL 36801, United States - Phone: (334) 336-5822 - Apply: https://elmgatelending.com/apply/ - Service area: Opelika, AL; Auburn, AL; Valley, AL and all of Lee County, Alabama - Language: English ## Funding options - [Business Loan Options in Opelika, AL, Weighed for Lee County, AL Owners](https://elmgatelending.com/business-loans/): This page sets the six funding types Elmgate Lending works with side by side: business term loans, working capital loans, business lines of credit, equipment loans and leases, inventory financing, and the merchant cash advance, which is not a loan. - [Working Capital Loans in Opelika, AL: Payroll, Food Orders and Restocks](https://elmgatelending.com/business-loans/working-capital/): Elmgate Lending in Opelika, Alabama helps Lee County, AL owners describe a working capital gap, its size and the date it closes, and passes the request to funding partners who decide on approval, amount and terms. - [Business Term Loans in Opelika, AL for Buying a Business or Adding Bays](https://elmgatelending.com/business-loans/term-loans/): Elmgate Lending in Opelika, Alabama helps buyers and owners in Lee County, AL put together a term loan request, from the purchase price and the seller's records to an expansion budget, and passes it to funding partners who make their own decisions. - [Business Lines of Credit in Opelika, AL: Draws Between Job Payments](https://elmgatelending.com/business-loans/line-of-credit/): Elmgate Lending in Opelika, Alabama helps Lee County, AL owners describe how often and how deeply they would draw on a business line of credit, and passes the request to funding partners who set any limit, rate and renewal terms. - [Inventory Financing in Opelika, AL for Boutiques, Grocers and Tire Stock](https://elmgatelending.com/business-loans/inventory-financing/): Elmgate Lending in Opelika, Alabama helps Lee County, AL retailers, grocers and repair shops describe a stock purchase, its cost and how long it takes to sell, and passes the request to funding partners who decide on approval and terms. - [Equipment Financing in Opelika, AL: Gym Floors, Kitchen Hoods and Repair Lifts](https://elmgatelending.com/equipment-financing/): Elmgate Lending in Opelika, Alabama helps Lee County, AL owners put together an equipment loan or lease request around a vendor quote and the equipment's working life, and passes it to funding partners who decide on approval and terms. - [Merchant Cash Advance in Opelika, AL for Restaurants and Stations With Card Sales](https://elmgatelending.com/merchant-cash-advance/): Elmgate Lending in Opelika, Alabama explains how a merchant cash advance works for Lee County, AL businesses with steady card sales. An advance is a purchase of future receipts, not a loan; the provider decides whether to buy them and on what terms. ## Industries - [Business Loans by Industry in Opelika, AL: Shops, Kitchens, Gyms and Clinics](https://elmgatelending.com/industries/): Elmgate Lending in Opelika, Alabama groups its industry pages by the costs each trade carries. Every page uses County Business Patterns counts for Lee County, AL and covers the funding types that fit the trade. - [Opelika, AL Construction Business Loans for Work Trucks and Progress-Billing Gaps](https://elmgatelending.com/industries/construction/): Elmgate Lending in Opelika, Alabama helps Lee County, AL contractors, from home builders to HVAC and electrical firms, describe an equipment purchase or a draw gap, and passes the request to funding partners who decide on approval and terms. - [Business Loans for Retail in Opelika, AL: Holiday Inventory, Display Cases and Shelving](https://elmgatelending.com/industries/retail/): Elmgate Lending in Opelika, Alabama helps Lee County, AL retailers describe a stock order or a fixture purchase and passes the request to funding partners who decide on approval, amount and terms. - [Restaurant Loans in Opelika, AL for Fryers, Ranges and Slow-Week Payroll](https://elmgatelending.com/industries/restaurants/): Elmgate Lending in Opelika, Alabama helps Lee County, AL restaurant owners describe an equipment purchase, a remodel or a payroll gap and passes the request to funding partners who decide on approval and terms. - [Opelika, AL Medical Practice Loans for EHR Hardware and Provider Hiring](https://elmgatelending.com/industries/medical-practices/): Elmgate Lending in Opelika, Alabama helps Lee County, AL physician practices describe an equipment purchase, a buy-in or a claims gap and passes the request to funding partners who decide on approval and terms. - [Dental Office Loans in Opelika, AL for Sterilizers, Intraoral Scanners and Lab Bills](https://elmgatelending.com/industries/dental-practices/): Elmgate Lending in Opelika, Alabama helps Lee County, AL dentists describe an equipment purchase, an operatory build-out or a practice purchase and passes the request to funding partners who decide on approval and terms. - [Salon Business Loans in Opelika, AL for Dryers, Shampoo Units and Booth Expansion](https://elmgatelending.com/industries/salons/): Elmgate Lending in Opelika, Alabama helps Lee County, AL salon, nail and barbershop owners describe an equipment purchase, a remodel or a payroll gap and passes the request to funding partners who decide on approval and terms. - [Gym Business Loans in Opelika, AL for Spin Bikes, Rubber Flooring and a Second Studio](https://elmgatelending.com/industries/gyms-and-fitness/): Elmgate Lending in Opelika, Alabama helps Lee County, AL gym and studio owners describe an equipment package, a remodel or a second location and passes the request to funding partners who decide on approval and terms. - [Landscaping Equipment Financing in Opelika, AL: Compact Track Loaders and Truck Upfits](https://elmgatelending.com/industries/landscaping/): Elmgate Lending in Opelika, Alabama helps Lee County, AL landscaping and hardscape companies describe an equipment purchase or a crew payroll gap and passes the request to funding partners who decide on approval and terms. - [Auto Repair Shop Loans in Opelika, AL: Alignment Racks and a Shop Purchase](https://elmgatelending.com/industries/auto-repair/): Elmgate Lending in Opelika, Alabama helps Lee County, AL repair shops describe an equipment purchase, a bay addition or a shop purchase and passes the request to funding partners who decide on approval and terms. - [Grocery Store Loans in Opelika, AL for Shelving, Meat-Counter Equipment and Bulk Buys](https://elmgatelending.com/industries/grocery-stores/): Elmgate Lending in Opelika, Alabama helps Lee County, AL grocers and convenience store owners describe an equipment purchase, a remodel, a stock order or a store purchase and passes the request to funding partners who decide on approval and terms. - [Opelika, AL Daycare Center Financing for Passenger Vans and Enrollment Gaps](https://elmgatelending.com/industries/child-care/): Elmgate Lending in Opelika, Alabama helps Lee County, AL child care centers describe an equipment purchase, an enrollment gap or an expansion and passes the request to funding partners who decide on approval and terms. - [Hotel Loans in Opelika, AL for Laundry Equipment, Lobby Furniture and Brand Upgrades](https://elmgatelending.com/industries/hotels-motels/): Elmgate Lending in Opelika, Alabama helps Lee County, AL hotel and motel owners describe a renovation, an equipment purchase or a payroll gap and passes the request to funding partners who decide on approval and terms. Loans to buy or refinance the building itself are not covered. - [Coffee Shop Loans in Opelika, AL: a Second Location, Pastry Cases and Cold-Brew Systems](https://elmgatelending.com/industries/coffee-shops/): Elmgate Lending in Opelika, Alabama helps Lee County, AL cafe and coffee shop owners describe an equipment purchase, a remodel or a second site and passes the request to funding partners who decide on approval and terms. - [Gas Station Loans in Opelika, AL for Canopy Lighting, POS Systems and a Station Purchase](https://elmgatelending.com/industries/gas-stations-convenience-stores/): Elmgate Lending in Opelika, Alabama helps Lee County, AL gas station and convenience store owners describe an equipment purchase, a stock need or a station purchase and passes the request to funding partners who decide on approval and terms. ## Guides and calculators - [Opelika, AL Funding Guides: Business License, Zoning, Alabama ABC License](https://elmgatelending.com/resources/): Elmgate Lending in Opelika, Alabama keeps three guides on licensing and permits and a business valuation calculator. Each guide links the official pages, checked on 2026-10-24; rules, fees and dates are for the issuing office to confirm. - [City of Opelika, AL Business License: Where It Fits in a Loan File](https://elmgatelending.com/resources/opelika-business-license/): This guide from Elmgate Lending in Opelika, Alabama points to the City of Opelika pages on business licenses (checked 2026-10-24) and explains where a license fits in a funding request. Rules, fees and dates are for the Revenue Department to confirm. - [Opelika, AL Zoning Map and Building Permits for Storefront Projects](https://elmgatelending.com/resources/opelika-zoning-and-building-permits/): This guide from Elmgate Lending in Opelika, Alabama points to the City of Opelika zoning, planning and building inspection pages (checked 2026-10-24) and explains how permit timing fits a funding request. Rules, fees and dates are for the city to confirm. - [Alabama ABC License Types for Opelika, AL Restaurants, Bars and Hotels](https://elmgatelending.com/resources/alabama-abc-license/): This guide from Elmgate Lending in Opelika, Alabama points to the Alabama ABC Board's licensing pages (checked 2026-10-24) for Lee County, AL restaurants, bars and hotels, and explains where the license shows up in a funding request. Rules, fees and dates are for the Board to confirm. - [Business Valuation Calculator Based on Revenue for Opelika, AL Buyers](https://elmgatelending.com/resources/business-valuation-calculator/): Elmgate Lending, an Opelika, Alabama small business funding service, offers this valuation walk-through and term loan calculator for Lee County, AL buyers pricing a shop, cafe or practice. It uses only your inputs; real rates and terms come from funding partners. ## Areas served - [Business Loans in Opelika, AL: Lee County, AL Retail, Food Service and Manufacturing](https://elmgatelending.com/opelika-al/): Elmgate Lending, listed in Opelika, Alabama, helps Opelika and Lee County, AL owners describe a funding need and passes the request to funding partners. This page gathers the Census figures behind the city's businesses, ZIP 36801 counts and the lender types found in the county. - [Business Funding Across Lee County, AL, Plus Auburn, AL and Valley, AL Pages](https://elmgatelending.com/service-areas/): Elmgate Lending in Opelika, Alabama takes funding requests from across Lee County, AL and nearby Chambers County, AL. This page links the Opelika, Auburn and Valley pages and covers the smaller towns. - [Business Loans in Auburn, AL for Restaurants, Retail Shops and Medical Practices](https://elmgatelending.com/service-areas/auburn-al/): Elmgate Lending in Opelika, Alabama takes funding requests from Auburn, AL, elsewhere in Lee County, AL. This page covers ZIP 36830 Census counts and where Auburn license and zoning questions go. - [Business Loans in Valley, AL for Chambers County, AL Shops, Trades and Clinics](https://elmgatelending.com/service-areas/valley-al/): Elmgate Lending in Opelika, Alabama takes funding requests from Valley, AL in Chambers County, AL. Below are ZIP 36854 Census counts and the City of Valley pages for licenses and zoning. ## Company - [Small Business Loans in Opelika, AL: Downtown Shops, Kitchens, Gyms and Plants](https://elmgatelending.com/): From Opelika, Alabama, Elmgate Lending turns an owner's funding need into a request a funding partner can read. A request starts with the cost and the date income covers it; six funding types are narrowed to the ones that fit, and each reviewing partner decides on any approval, amount and price. - [How to Get a Business Loan in Opelika, AL: Statements, Review and an Offer](https://elmgatelending.com/how-it-works/): Elmgate Lending in Opelika, Alabama takes a funding request from the first call to a partner's review. Elmgate shapes the request; each funding partner reviews it and decides on approval, amount, price and terms; the owner decides whether to accept. - [Opelika, AL Business Loan Questions From Shops, Gyms and Practices](https://elmgatelending.com/faq/): Answers from Elmgate Lending in Opelika, Alabama to common questions about business funding requests, from refinancing an existing loan to how a drawdown line of credit works. - [About Elmgate Lending: Opelika, AL Funding Requests for Buyouts, Gyms and Kitchens](https://elmgatelending.com/about/): Elmgate Lending, listed at 100 N 10th St in Opelika, Alabama, helps Lee County, AL business owners frame funding requests around the cost and its timing, and passes them to funding partners who decide on approval and terms. - [Contact Elmgate Lending in Opelika, AL About a Term Loan or Acquisition](https://elmgatelending.com/contact/): The office on file for Elmgate Lending is 100 N 10th St, Opelika, AL 36801. A request can start with a call to (334) 336-5822 or on the online form. - [Apply for Small Business Funding in Opelika, AL: One Request Form](https://elmgatelending.com/apply/): Elmgate Lending's request form, for owners in Opelika, Alabama and nearby, starts here. It collects contact details and range answers; a funding partner later reviews the request and decides on any offer. - [Disclosures for Elmgate Lending, Opelika, AL](https://elmgatelending.com/disclosures/): Elmgate Lending in Opelika, Alabama is a funding broker, not a lender. ## Optional - [Full text of every page](https://elmgatelending.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://elmgatelending.com/sitemap.xml)