# Orchardmark Financial > Orchardmark Financial is a small-business funding broker at 612 Biden St, Scranton, PA 18503 (phone (570) 512-9977). It helps businesses in Scranton, PA; Taylor, PA; Moosic, PA; Old Forge, PA; Olyphant, PA; Clarks Summit, PA; Jessup, PA and across Lackawanna County, Pennsylvania, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Orchardmark Financial connects you with lending partners; partners make credit decisions and set rates and terms. Orchardmark Financial is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Orchardmark Financial does not arrange personal, payday, auto title, mortgage or SBA loans, does not offer grants, and does not arrange funding for agriculture or trucking. Key facts: - Business type: small-business funding broker (not a lender) - Address: 612 Biden St, Scranton, PA 18503, United States - Phone: (570) 512-9977 - Apply: https://orchardmarkfinancial.com/apply/ - Service area: Scranton, PA; Taylor, PA; Moosic, PA; Old Forge, PA; Olyphant, PA; Clarks Summit, PA; Jessup, PA and all of Lackawanna County, Pennsylvania - Language: English ## Funding options - [Compare Business Funding Options in Scranton, PA](https://orchardmarkfinancial.com/business-loans/): Business funding comes in structures that are repaid in different ways: installments, revolving balances, payments as stock sells, or a share of future sales. Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, compares six of them for Lackawanna County owners and sends requests to lending partners, which decide and set the terms. - [How Scranton, PA Businesses Use Working Capital Financing](https://orchardmarkfinancial.com/business-loans/working-capital/): Working capital financing is short-term business funding for payroll, supplies and running costs while income catches up. Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, explains how lending partners size and schedule it for Lackawanna County owners, then sends requests to partners, which decide and set every rate and term. - [How Scranton, PA Businesses Use Business Term Loans](https://orchardmarkfinancial.com/business-loans/term-loans/): A business term loan provides one lump sum repaid in scheduled installments over a fixed term. Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, explains amortization, balloon payments and covenants to Lackawanna County owners and sends term loan requests to lending partners, which approve, decline and set every rate and term. - [How Scranton, PA Businesses Use Business Lines of Credit](https://orchardmarkfinancial.com/business-loans/line-of-credit/): A business line of credit sets a borrowing limit the business taps as needed, with interest due only on what has been drawn. Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, explains draws, revolving and non-revolving lines and interest to Lackawanna County owners, and sends requests to lending partners, which decide and set every rate and term. - [How Scranton, PA Businesses Use Inventory Financing](https://orchardmarkfinancial.com/business-loans/inventory-financing/): Inventory financing is business funding used to buy stock, usually secured by the inventory itself. Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, explains how it works, how it compares with credit lines and factoring, and what partners review for Lackawanna County retailers and wholesalers, then sends requests to lending partners, which decide and set terms. - [How Scranton, PA Businesses Use Equipment Financing and Leasing](https://orchardmarkfinancial.com/equipment-financing/): Equipment financing funds machines, vehicles and systems a business needs, with the equipment usually securing the balance. Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, explains loans, leases and equipment finance agreements to Lackawanna County contractors, restaurants and practices and sends requests to lending partners, which decide and set every rate and term. - [How Scranton, PA Businesses Use Merchant Cash Advances](https://orchardmarkfinancial.com/merchant-cash-advance/): A merchant cash advance is a purchase of a share of a business's future receivables, not a loan. Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, explains holdbacks, factor rates, reconciliation and stacking to Lackawanna County owners before any offer is signed, and sends requests to funders, which decide and set all terms. ## Industries - [Business Financing by Industry in Scranton, PA](https://orchardmarkfinancial.com/industries/): Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, matches Lackawanna County businesses in construction, restaurants, medical and dental care, and retail with funding structures suited to their cash cycles. Census counts for each sector are below. Each credit decision, rate and term belongs to the lending partner. - [How Scranton, PA Businesses Use Contractor and Construction Financing](https://orchardmarkfinancial.com/industries/construction/): Contractor financing helps construction businesses pay crews, buy materials and finance equipment while waiting on draws and progress payments. Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, explains the options to Lackawanna County's 457 construction employers and sends requests to lending partners, which decide and set every rate and term. - [How Scranton, PA Businesses Use Restaurant and Food Service Financing](https://orchardmarkfinancial.com/industries/restaurants/): Restaurant financing covers kitchen equipment, payroll, refits and openings for food service businesses. Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, explains equipment financing, working capital, credit lines and term loans to Lackawanna County's 538 food service employers and sends requests to lending partners, which decide and set every rate and term. - [How Scranton, PA Businesses Use Medical and Dental Practice Financing](https://orchardmarkfinancial.com/industries/medical-dental/): Medical and dental practice financing covers clinical equipment, suites, partner buy-ins and payroll while claims are paid. Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, explains the options to Lackawanna County practices, where health care is the largest sector, and sends requests to lending partners, which decide and set every rate and term. ## Guides and calculators - [Business Funding Guides and Calculators for Scranton, PA Owners](https://orchardmarkfinancial.com/resources/): Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, publishes these resources for Lackawanna County owners: guides to Pennsylvania fictitious names, the state sales tax license, Scranton, PA business privilege and mercantile tax records and free county help, plus an equipment payment calculator. Lending partners alone decide and price every request. - [Pennsylvania Fictitious Name (DBA) Registration: What Scranton, PA Owners File Before Funding](https://orchardmarkfinancial.com/resources/pennsylvania-fictitious-name-registration/): A fictitious name, often called a DBA, is a name a business trades under that differs from its legal name. Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, explains why lending partners check that a Lackawanna County business's trade name, legal name, bank account and tax records match, and what to review before applying. - [Scranton, Pennsylvania Business Privilege and Mercantile Tax: What to Have in Order Before You Apply](https://orchardmarkfinancial.com/resources/scranton-pa-business-privilege-and-mercantile-tax/): Scranton, PA business privilege tax, mercantile tax and city registration are frequent local searches. Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, explains what local tax records to gather before applying and why lending partners may check them. Tax rules, rates and deadlines come only from the city; partners decide every request. - [Free Small Business Help in Scranton, PA and Lackawanna County, PA](https://orchardmarkfinancial.com/resources/lackawanna-county-small-business-resources/): Lackawanna County owners can get free business advising and information from public and nonprofit organizations before seeking funding. Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, lists the kinds of help available and what to ask, with no affiliation to any of them. Lending partners, not Orchardmark, make every credit decision. - [Pennsylvania Sales Tax License and myPATH Business Tax Registration, Explained for Scranton, PA Owners](https://orchardmarkfinancial.com/resources/pennsylvania-sales-tax-license-mypath/): Businesses selling taxable goods in Pennsylvania deal with a state sales tax license, and owners often search for myPATH alongside it. Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, explains why lending partners funding inventory may check sales tax records for Lackawanna County retailers and what to gather. Tax rules come from the state; partners decide. - [Dental and Medical Equipment Payment Calculator for Lackawanna County, PA Practices](https://orchardmarkfinancial.com/resources/dental-equipment-payment-calculator/): This dental equipment payment calculator works out the monthly payment, total interest and total cost, including the down payment, of financing a chair, scanner or imaging unit from its price, down payment, rate and term. Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, provides it for Lackawanna County practices as illustrative arithmetic only, not an offer. ## Areas served - [Funding a Business in Scranton, PA: Lackawanna County, PA Facts](https://orchardmarkfinancial.com/scranton-pa/): Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, works with Lackawanna County owners from 612 Biden St. The county had 5,198 employer establishments in 2023, half with fewer than five employees, plus 14,632 businesses with no payroll in 2024. Each credit decision, rate and term belongs to the lending partner. - [Communities We Serve in Lackawanna County, PA](https://orchardmarkfinancial.com/service-areas/): Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, works with owners across Lackawanna County and neighboring counties from one address at 612 Biden St, by phone and online. Taylor, Moosic, Old Forge, Olyphant, Clarks Summit and Jessup have their own pages; other towns are summarized here. Every request is decided by a lending partner. - [Business Funding for Taylor, PA Businesses](https://orchardmarkfinancial.com/service-areas/taylor-pa/): Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, works with Taylor, PA owners by phone and online. ZIP 18517 had 118 employer establishments in 2023, led by other services such as repair and personal care with 21 (Census ZBP). Lending partners, not Orchardmark, decide on credit and set every term. - [Business Funding for Moosic, PA Businesses](https://orchardmarkfinancial.com/service-areas/moosic-pa/): Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, works with Moosic, PA owners by phone and online. ZIP 18507 had 267 employer establishments in 2023, led by retail with 46 and accommodation and food services with 39 (Census ZBP). Every credit decision and term is set by a lending partner. - [Business Funding for Old Forge, PA Businesses](https://orchardmarkfinancial.com/service-areas/old-forge-pa/): Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, works with Old Forge, PA owners by phone and online. ZIP 18518 had 170 employer establishments in 2023, and 63.5 percent had fewer than five employees, well above the county share (Census ZBP and CBP). Lending partners make each credit decision and set each term. - [Business Funding for Olyphant, PA Businesses](https://orchardmarkfinancial.com/service-areas/olyphant-pa/): Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, works with Olyphant, PA owners by phone and online. ZIP 18447 had 257 employer establishments in 2023: retail 41, construction 31, health care 31 and wholesale 25 (Census ZBP). The borough covers only about a fifth of that ZIP. Lending partners, not Orchardmark, make the credit decisions and set terms. - [Business Funding for Clarks Summit, PA Businesses](https://orchardmarkfinancial.com/service-areas/clarks-summit-pa/): Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, works with Clarks Summit, PA owners by phone and online. ZIP 18411 had 606 employer establishments in 2023, led by health care with 102 and professional services with 71 (Census ZBP). The borough itself is a small part of that ZIP. Lending partners make the decisions and set every term. - [Business Funding for Jessup, PA Businesses](https://orchardmarkfinancial.com/service-areas/jessup-pa/): Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, works with Jessup, PA owners by phone and online. ZIP 18434 had 105 employer establishments in 2023, led by wholesale trade with 17 and health care with 15 (Census ZBP). The borough covers nearly all of that ZIP. Lending partners make the credit decisions and set every term. ## Company - [Scranton, PA Business Funding Broker for Lackawanna County and Northeastern Pennsylvania](https://orchardmarkfinancial.com/): Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, never lends money of its own. From 612 Biden St it helps Lackawanna County owners compare six funding structures and introduces each request to lending partners, who approve or decline it and set every rate and term. Call (570) 512-9977 to describe what the money is for. - [From Application to Offer: How a Scranton, PA Funding Broker Works](https://orchardmarkfinancial.com/how-it-works/): Getting business funding through a broker follows four steps: describe the need, choose a structure, let a partner review, then compare offers. Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, handles the first two for Lackawanna County owners; lending partners handle the review and set every rate and term, and you decide whether to accept. - [Business Funding Questions From Scranton, PA Owners](https://orchardmarkfinancial.com/faq/): These are short answers to common business funding questions from Lackawanna County owners. Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, covers who it is, how to choose a funding type, applying, and Pennsylvania records. Each credit decision, rate and term belongs to the lending partner. - [Request Business Funding Options in Scranton, PA](https://orchardmarkfinancial.com/apply/): Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, takes requests through a short form asking for contact details, business name and three ranges (time in business, revenue, amount), followed by a call about the purpose of the funding. Lending partners make every credit decision and set every rate and term; sending the form commits you to nothing. - [About Orchardmark Financial, a Business Funding Broker in Scranton, PA](https://orchardmarkfinancial.com/about/): Orchardmark Financial is a small-business funding broker in Scranton, Pennsylvania, at 612 Biden St. It is not a lender: it helps Lackawanna County owners compare six funding structures and introduces requests to lending partners, which make every credit decision and set every rate and term. It works only on business funding. - [Contact Orchardmark Financial in Scranton, PA](https://orchardmarkfinancial.com/contact/): Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, can be reached at (570) 512-9977 or through its short online form. Its address is 612 Biden St, Scranton, PA 18503, in Lackawanna County. Orchardmark is not a lender: lending partners decide on requests and set every rate and term. - [Broker Disclosures for Orchardmark Financial, Scranton, PA](https://orchardmarkfinancial.com/disclosures/): Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, is a broker, not a lender. It introduces business funding requests to lending partners, which make every credit decision and set every rate and term. A merchant cash advance is not a loan. Approval is never assured, and owners may turn down any offer. ## Optional - [Full text of every page](https://orchardmarkfinancial.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://orchardmarkfinancial.com/sitemap.xml)