# Oceanline Loans > Oceanline Loans is a small-business funding broker at 379 A St, Idaho Falls, ID 83402 (phone (208) 439-0387). It helps businesses in Idaho Falls, ID; Shelley, ID; Rigby, ID and across Bonneville County, Idaho, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Oceanline Loans connects you with lending partners; partners make credit decisions and set rates and terms. Oceanline Loans is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Oceanline Loans does not arrange personal, payday, auto title, mortgage or SBA loans, and does not offer grants. Key facts: - Business type: small-business funding broker (not a lender) - Address: 379 A St, Idaho Falls, ID 83402, United States - Phone: (208) 439-0387 - Apply: https://oceanlineloans.com/apply/ - Service area: Idaho Falls, ID; Shelley, ID; Rigby, ID and all of Bonneville County, Idaho - Language: English ## Funding options - [Compare Business Funding Options in Idaho Falls, ID](https://oceanlineloans.com/business-loans/): Oceanline Loans, a small-business funding broker in Idaho Falls, Idaho, compares six funding types here: working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. The table shows how each is repaid and secured. Lending partners, not Oceanline, decide on requests and set rates and terms. - [Working Capital Financing for Idaho Falls and Bonneville County, Idaho](https://oceanlineloans.com/business-loans/working-capital/): Working capital financing is short-term business funding for operating costs such as payroll, rent and supplier bills while receipts catch up. Oceanline Loans, a small-business funding broker in Idaho Falls, Idaho, explains how it is repaid and sized, compares it with a line of credit and a merchant cash advance, and connects Bonneville County owners with lending partners that decide and set terms. - [Business Term Loans for Idaho Falls and Bonneville County, Idaho](https://oceanlineloans.com/business-loans/term-loans/): A business term loan delivers one lump sum that is repaid in scheduled installments of principal and interest over a set term. Oceanline Loans, a small-business funding broker in Idaho Falls, Idaho, explains how amortization works, what term loans suit and what partners review, and connects Bonneville County owners with lending partners that decide on requests and set rates and terms. - [Business Lines of Credit for Idaho Falls and Bonneville County, Idaho](https://oceanlineloans.com/business-loans/line-of-credit/): A business line of credit is a borrowing limit that a business draws against as costs arise, paying interest only on the balance drawn. Oceanline Loans, a small-business funding broker in Idaho Falls, Idaho, explains draw periods, revolving and non-revolving lines and secured versus unsecured lines, and connects Bonneville County owners with lending partners that decide and set rates and terms. - [Inventory Financing for Idaho Falls and Bonneville County, Idaho](https://oceanlineloans.com/business-loans/inventory-financing/): Inventory financing is business funding used to buy stock, secured by that stock and repaid as goods sell or on a schedule. Oceanline Loans, a small-business funding broker in Idaho Falls, Idaho, explains advance rates, UCC filings, floor plans and borrowing bases, and connects Bonneville County retailers and wholesalers with lending partners that decide on requests and set rates and terms. - [Equipment Financing and Leasing for Idaho Falls and Bonneville County, Idaho](https://oceanlineloans.com/equipment-financing/): Equipment financing is business funding secured by the equipment it buys, arranged as a loan, a lease or an equipment finance agreement. Oceanline Loans, a small-business funding broker in Idaho Falls, Idaho, explains how the three differ, how used equipment is treated and what partners review, and connects Bonneville County owners with lending partners that decide and set rates and terms. - [Merchant Cash Advances for Idaho Falls and Bonneville County, Idaho](https://oceanlineloans.com/merchant-cash-advance/): A merchant cash advance is not a loan: a funder buys a portion of a business's future receivables for a lump sum and collects a set share of sales until an agreed total is remitted. Oceanline Loans, a small-business funding broker in Idaho Falls, Idaho, explains holdbacks, factor rates and stacking, and connects Bonneville County owners with funders that set the terms. ## Industries - [Business Financing by Industry in Idaho Falls, ID](https://oceanlineloans.com/industries/): Oceanline Loans, a small-business funding broker in Idaho Falls, Idaho, matches funding types to four sectors its lending partners serve: construction, restaurants, medical and dental practices, and retail and wholesale businesses that carry inventory. Bonneville County had 586 construction and 517 retail employer establishments in 2023 (Census CBP). Partners decide and set terms. - [Contractor and Construction Financing for Idaho Falls and Bonneville County, Idaho](https://oceanlineloans.com/industries/construction/): Oceanline Loans, a small-business funding broker in Idaho Falls, Idaho, helps contractors compare lines of credit, working capital and equipment financing. Bonneville County had 586 construction employer establishments in 2023, 421 of them specialty trade contractors, and 69.3 percent had fewer than five employees (Census CBP 2023). Credit decisions and terms come from lending partners. - [Restaurant and Food Service Financing for Idaho Falls and Bonneville County, Idaho](https://oceanlineloans.com/industries/restaurants/): Oceanline Loans, a small-business funding broker in Idaho Falls, Idaho, helps restaurant owners compare equipment financing, lines of credit, working capital and merchant cash advances. Bonneville County had 230 restaurants and other eating places with employees in 2023, employing 5,277 people (Census County Business Patterns). Credit decisions and terms come from lending partners. - [Medical and Dental Practice Financing for Idaho Falls and Bonneville County, Idaho](https://oceanlineloans.com/industries/medical-dental/): Oceanline Loans, a small-business funding broker in Idaho Falls, Idaho, helps medical and dental practices compare equipment financing, term loans and lines of credit. Bonneville County had 214 physician offices and 90 dental offices with employees in 2023, within 583 ambulatory health care establishments (Census CBP). Credit decisions and terms come from lending partners. ## Guides and calculators - [Business Funding Guides and Worksheets for Eastern Idaho](https://oceanlineloans.com/resources/): Oceanline Loans, a small-business funding broker in Idaho Falls, Idaho, publishes these guides for Eastern Idaho owners: getting a business loan in Idaho, the Idaho Falls license question, free small business resources, borrowing bases, and inventory turnover. They explain; they are not advice or offers. Lending partners decide on requests and set terms. - [How to Get a Business Loan in Idaho: An Idaho Falls, ID Checklist](https://oceanlineloans.com/resources/how-to-get-a-business-loan-in-idaho/): To get a business loan in Idaho, confirm the entity is in good standing with the Idaho Secretary of State, separate business and personal finances, gather bank statements and tax returns, define the purpose and repayment source, and choose a lender type. Oceanline Loans, a small-business funding broker in Idaho Falls, Idaho, explains the steps; lending partners decide and set terms. - [Small Business Help in Idaho Falls, ID and Eastern Idaho](https://oceanlineloans.com/resources/eastern-idaho-small-business-resources/): Eastern Idaho business owners can get free or low-cost help from the Idaho Small Business Development Center, whose Eastern Idaho office is in Idaho Falls, and from regional development, chamber and entrepreneurship organizations. Oceanline Loans, a small-business funding broker in Idaho Falls, Idaho, lists them by type; it is not affiliated with any of them. - [Does Idaho Falls, ID Require a Business License? A Registration Checklist](https://oceanlineloans.com/resources/idaho-falls-business-license-checklist/): Whether a business in Idaho Falls, Idaho needs a city license depends on the activity and is answered by the City of Idaho Falls. Entities register with the Idaho Secretary of State. Oceanline Loans, a small-business funding broker in Idaho Falls, explains the layers and the documents lenders request; it does not give legal advice, and lending partners make credit decisions. - [What Is a Borrowing Base? How Inventory and Receivables Set a Credit Limit](https://oceanlineloans.com/resources/borrowing-base-explained/): A borrowing base is the amount a business may draw on an asset-based line of credit, calculated as eligible receivables and inventory multiplied by advance rates set by the lender, less reserves. Oceanline Loans, a small-business funding broker in Idaho Falls, Idaho, explains the calculation and the certificate; lending partners set the actual rates and terms. - [Inventory Turnover Ratio and Days on Hand: Formula and Worksheet](https://oceanlineloans.com/resources/inventory-turnover-ratio/): Inventory turnover equals cost of goods sold divided by average inventory; days on hand equals 365 divided by turnover. Oceanline Loans, a small-business funding broker in Idaho Falls, Idaho, explains the formulas, works a hypothetical example and explains why lenders look at turnover when they finance stock. Credit decisions and terms come from lending partners. ## Areas served - [Business Financing in Idaho Falls, Idaho: Local Facts and Next Steps](https://oceanlineloans.com/idaho-falls-id/): Oceanline Loans, a small-business funding broker in Idaho Falls, Idaho, works from 379 A St in Bonneville County. The county had 4,197 employer establishments in 2023, 55.3 percent with fewer than five employees (Census County Business Patterns), plus 11,589 businesses without employees in 2024. Lending partners, not Oceanline, decide on requests and set terms. - [Areas Served Around Idaho Falls and Bonneville County, ID](https://oceanlineloans.com/service-areas/): Oceanline Loans, a small-business funding broker in Idaho Falls, Idaho, works with owners across Bonneville, Bingham and Jefferson counties by phone and online from one address, 379 A St. Shelley and Rigby have their own pages; Ammon, Iona, Ucon, Lincoln, Firth, Basalt, Menan, Lewisville, Roberts and Ririe are summarized here. Lending partners decide on requests. - [Business Funding for Shelley, ID Owners Near Idaho Falls, ID](https://oceanlineloans.com/service-areas/shelley-id/): Shelley, ID business owners can work with Oceanline Loans, a small-business funding broker in Idaho Falls, Idaho, by phone or online. ZIP 83274, which includes Shelley, had 214 employer establishments in 2023, 59.8 percent with fewer than five employees (Census ZIP Code Business Patterns). Credit decisions and terms come from lending partners. - [Business Funding for Rigby, ID Owners Near Idaho Falls, ID](https://oceanlineloans.com/service-areas/rigby-id/): Rigby, ID business owners can work with Oceanline Loans, a small-business funding broker in Idaho Falls, Idaho, by phone or online. ZIP 83442, which includes Rigby, had 602 employer establishments in 2023, 176 of them in construction (Census ZIP Code Business Patterns). Lending partners, not Oceanline, make credit decisions and set terms. ## Company - [Business Funding Broker for Idaho Falls, ID and Eastern Idaho](https://oceanlineloans.com/): Oceanline Loans, a small-business funding broker in Idaho Falls, Idaho, does not lend. From 379 A St it helps Bonneville County and Eastern Idaho owners compare working capital, term loans, credit lines, inventory and equipment financing and merchant cash advances, then introduces the request to lending partners, which approve or decline it and set all rates and terms. - [How Oceanline Loans Works With Idaho Falls, ID Business Owners](https://oceanlineloans.com/how-it-works/): Oceanline Loans, a small-business funding broker in Idaho Falls, Idaho, works in four steps: you describe the need, we match it to a funding type and lending partners, a partner underwrites and decides, and you choose whether to accept. Oceanline Loans is a broker, not a lender; partners make credit decisions and set rates and terms. - [Business Funding Questions From Idaho Falls, ID Owners](https://oceanlineloans.com/faq/): Oceanline Loans, a small-business funding broker in Idaho Falls, Idaho, answers common questions here: what a broker does, which funding types it can help compare, how personal and business borrowing differ, what partners review and how offers are priced. Oceanline Loans is a broker, not a lender; lending partners decide and set rates and terms. - [Request Business Funding Options in Idaho Falls, ID](https://oceanlineloans.com/apply/): Oceanline Loans, a small-business funding broker in Idaho Falls, Idaho, takes requests through a short form asking for your name, email, phone and business name. It then calls to discuss the purpose and the options. Oceanline Loans is a broker, not a lender; lending partners make credit decisions and set rates and terms. - [About Oceanline Loans, a Business Funding Broker in Idaho Falls, ID](https://oceanlineloans.com/about/): Oceanline Loans, a small-business funding broker in Idaho Falls, Idaho, at 379 A St, helps owners compare six funding types and introduces their requests to lending partners. It is a broker, not a lender: it does not lend, approve or price. Lending partners make credit decisions and set rates and terms. - [Contact Oceanline Loans in Idaho Falls, ID](https://oceanlineloans.com/contact/): Oceanline Loans, a small-business funding broker in Idaho Falls, Idaho, can be reached at (208) 439-0387 or through the online request form. Its address is 379 A St, Idaho Falls, ID 83402. Oceanline Loans is a broker, not a lender; lending partners make credit decisions and set rates and terms. - [Broker Disclosures for Oceanline Loans, Idaho Falls, ID](https://oceanlineloans.com/disclosures/): Oceanline Loans, a small-business funding broker in Idaho Falls, Idaho, is a broker, not a lender. It makes no loans, approves nothing and prices nothing. Lending partners make credit decisions and set rates and terms. A merchant cash advance is not a loan. Information you provide is shared with lending partners for their review. ## Optional - [Full text of every page](https://oceanlineloans.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://oceanlineloans.com/sitemap.xml)