# Graniteharbor Loans > Graniteharbor Loans is a small-business funding broker at 269 Division St, Edison, NJ 08817 (phone (732) 399-4105). It helps businesses in Edison, NJ; Highland Park, NJ; New Brunswick, NJ; Metuchen, NJ; South Plainfield, NJ; Milltown, NJ; South River, NJ; Fords, NJ; Sayreville, NJ; Dunellen, NJ; Iselin, NJ; Middlesex, NJ; South Amboy, NJ; Perth Amboy, NJ; Colonia, NJ; Spotswood, NJ; Avenel, NJ; Carteret, NJ; Dayton, NJ; Kendall Park, NJ; Monmouth Junction, NJ and across Middlesex County, New Jersey, explore working capital loans, business term loans, business lines of credit, equipment financing, inventory financing and merchant cash advances, with each request passed to partner lenders and funding providers. Graniteharbor Loans is a broker, not a lender: it passes funding requests to partner lenders and funding providers, who review each request and make their own decisions. Graniteharbor Loans is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Graniteharbor Loans arranges no trucking or agriculture funding, no real estate loans, no startup or SBA loan programs, and no personal or consumer loans. Key facts: - Business type: small-business funding broker (not a lender) - Address: 269 Division St, Edison, NJ 08817, United States - Phone: (732) 399-4105 - Apply: https://graniteharborloans.com/apply/ - Places: Edison, NJ; Highland Park, NJ; New Brunswick, NJ; Metuchen, NJ; South Plainfield, NJ; Milltown, NJ; South River, NJ; Fords, NJ; Sayreville, NJ; Dunellen, NJ; Iselin, NJ; Middlesex, NJ; South Amboy, NJ; Perth Amboy, NJ; Colonia, NJ; Spotswood, NJ; Avenel, NJ; Carteret, NJ; Dayton, NJ; Kendall Park, NJ; Monmouth Junction, NJ and all of Middlesex County, New Jersey - Language: English ## Funding options - [Business Financing Options in Edison, NJ for Kitchens, Clinics and IT Firms](https://graniteharborloans.com/business-loans/): A side-by-side guide to six funding options for Edison, NJ businesses, with the purpose each one fits and how each one is paid back or collected. - [Working Capital Loans in Edison, NJ for Payroll While Net-60 Invoices Clear](https://graniteharborloans.com/business-loans/working-capital/): Working capital loans cover operating costs, such as payroll and supplier bills, during the wait for customer payments. This page shows uses for salons, dental offices, gyms, repair shops, restaurants and physician practices in Edison, NJ, with invented examples worked out in full. - [Business Term Loans in Edison, NJ for Buying a Practice, Salon or Second Location](https://graniteharborloans.com/business-loans/term-loans/): How the single sum and fixed installments of a term loan work in practice. This page covers buying an IT services firm, a dental milling unit, long and short terms, and new dining-room furniture for a restaurant, with invented examples computed in full. - [Business Line of Credit in Edison, NJ: Draw for Stock, Repairs and Payroll Gaps](https://graniteharborloans.com/business-loans/line-of-credit/): A line of credit is a limit to draw from, pay down and draw from again. This page works through draws for a gym, renewals for an IT firm, what partners can ask for, parts stock at a repair shop, new booths and tables for a restaurant and payroll for a new physician, with invented figures computed in full. - [Inventory Financing in Edison, NJ for Grocery, Sweets and Warehouse Stock](https://graniteharborloans.com/business-loans/inventory-financing/): Inventory financing pays for stock that sells later. This page covers a boutique bulk order and supplier terms, the types of inventory financing, tire stock, grocery case orders, landscaping supplies on a line, and warehouse and sweets stock, with invented examples computed in full. - [Equipment Financing in Edison, NJ: Commercial Ovens, CBCT Scanners and Server Racks](https://graniteharborloans.com/equipment-financing/): Equipment financing pays for a quoted machine, with the machine as collateral. This page covers medical and dental equipment, landscaping mowers and trailers, store coolers and counters, salon chairs and dryers, dental cleaning equipment and gym racks, with invented examples and an equipment payment calculator. - [Merchant Cash Advance in Edison, NJ: Card-Sales Remittances for Restaurants and Salons](https://graniteharborloans.com/merchant-cash-advance/): A merchant cash advance is a purchase of future card sales, collected as a share of each batch, and it is not a loan. This page explains how revenue-based financing relates to the advance for IT firms, the terms of an advance for salons, what an advance company does, and how collection behaves in a slow week, with an advance calculator. ## Industries - [Business Loans by Industry in Edison, NJ: Kitchens, Practices, Salons and IT Firms](https://graniteharborloans.com/industries/): This hub sorts trades into five groups and adds short notes for related trades such as snack bars, clothing stores, chiropractors, plumbers, janitorial companies and law offices. Each count is a 2023 County Business Patterns figure for employer establishments in Middlesex County, NJ; businesses with no paid staff sit in a separate Census program. - [Restaurant Loans in Edison, NJ for Walk-In Coolers, Fryers and Dining-Room Tables](https://graniteharborloans.com/industries/restaurants/): Equipment with a vendor quote fits equipment financing; food orders and payroll between deposits fit working capital or a line of credit. Work on the space itself, such as gas lines, stays outside this site. Counts on this page are Middlesex County, NJ figures from the 2023 County Business Patterns. - [Edison, NJ Medical Practice Loans: Ultrasound Units, EHR Hardware and Exam-Room Furnishings](https://graniteharborloans.com/industries/medical-practices/): Diagnostic equipment and exam-room furnishings fit equipment financing; payroll for a new provider and other gaps while claims are paid fit working capital. A practice purchase or buy-in is a term-loan question. Counts are 2023 County Business Patterns figures for offices of physicians in Middlesex County, NJ. - [Dental Office Loans in Edison, NJ: CBCT Scanners, Sterilizers and Operatory Chairs](https://graniteharborloans.com/industries/dental-practices/): Imaging, milling and sterilization equipment fit equipment financing; lab bills between claim payments fit a line of credit or working capital; buying a practice or a share of one is a term-loan question. Walls, plumbing and wiring for a new operatory are building work, outside this site. - [Salon Business Loans in Edison, NJ for Pedicure Chairs, Dryers and Retail Product](https://graniteharborloans.com/industries/salons/): Quoted chairs, stations, dryers and facial beds fit equipment financing. A line of credit or working capital fits gaps in color, retail product and payroll. Plumbing for wash areas and any work on the space are building work, outside this site. - [Gym Business Loans in Edison, NJ: Squat Racks, Spin Bikes and Equipment Upgrades](https://graniteharborloans.com/industries/gyms-and-fitness/): Machines, racks and dumbbells priced from a quote fit equipment financing; payroll and rent through a dip in memberships fit working capital. Poured floors, locker-room plumbing and other work on the space are building work, outside this site. - [Edison, NJ Construction Business Loans: Skid Steers, Work Trucks and Retainage Gaps](https://graniteharborloans.com/industries/construction/): Machines and work trucks bought from a dealer quote fit equipment financing; crew payroll while retainage and pay applications are outstanding fits working capital or a line of credit. The jobs a contractor performs for clients are its business; this site does not fund work on the contractor's own building or land. - [Business Loans for Retail in Edison, NJ: Display Cases, Shelving and Larger Stock Orders](https://graniteharborloans.com/industries/retail/): Display cases, shelving, cameras and point-of-sale hardware fit equipment financing; a stock order fits inventory financing or a line of credit; payroll and rent in a slower month fit working capital. Walls, wiring and other changes to the store space are building work, outside this site. - [Business Loans for Manufacturing Companies in Edison, NJ: Forklifts and Long Receivables](https://graniteharborloans.com/industries/manufacturing/): Forklifts, mills, mixers and packaging machines priced from a quote fit equipment financing; raw material and payroll while customers take weeks to pay fit working capital or a line of credit. Buying the plant building or changing its power and structure is property work, outside this site. - [Auto Repair Shop Loans in Edison, NJ for Scan Tools, Alignment Racks and Tire Machines](https://graniteharborloans.com/industries/auto-repair/): Scan tools, lifts, alignment racks and tire machines priced on a quote fit equipment financing; technician payroll and parts while invoices are open fit working capital; buying an existing shop can fit a term loan. Work on the building or the slab, and buying the property, are outside this site. - [Grocery Store Loans in Edison, NJ: Walk-In Coolers, Wholesale Stock and Checkout Scanners](https://graniteharborloans.com/industries/grocery-stores/): Coolers, freezer cases and point-of-sale hardware priced on a quote fit equipment financing; wholesale stock fits inventory financing or a line of credit. Shelving runs, walls and other changes to the store space are outside this page, and property work is outside this site. - [Edison, NJ Landscaping Equipment Financing for Dump Trailers, Sod and Stone Orders](https://graniteharborloans.com/industries/landscaping/): Mowers, trailers, truck racks and irrigation tools priced on a dealer quote fit equipment financing; crew payroll and material orders while a client invoice is open fit working capital or a line of credit. Grading a client's property is the client's project, and buying land or a yard is outside this site. - [Daycare Center Financing in Edison, NJ: Classroom Furniture, Passenger Vans and Payroll](https://graniteharborloans.com/industries/child-care/): Vans, classroom furniture, cribs, cots and kitchen equipment priced on a quote fit equipment financing; teacher payroll while seats fill fits working capital or a line of credit. Outdoor play areas, walls and any change to the building are property work outside this site. - [Hotel Loans in Edison, NJ: Guest-Room Furniture, Laundry Equipment and Linens](https://graniteharborloans.com/industries/hotels-motels/): Guest-room furniture, mattresses, lobby seating, laundry machines and front-desk hardware priced on a quote fit equipment financing; linens and payroll fit a line of credit or working capital. Buying or refinancing the property, work on the rooms themselves and building systems are outside this site. - [IT Company Business Loans in Edison, NJ: Laptops for New Hires and Contractor Payroll](https://graniteharborloans.com/industries/it-companies/): Laptops, workstations, test devices and backup hardware on a reseller quote fit equipment financing; contractor payroll and licenses paid before a client settles fit working capital or a line of credit; buying a smaller firm can fit a term loan. Office space and property are outside this site. ## Tools and calculators - [Edison, NJ Funding Tools and Checklists: Markup Math, Township Zoning and Certificate of Occupancy Questions](https://graniteharborloans.com/resources/): The tools here do arithmetic and list records to gather. They do not state zoning, permit or certificate of occupancy rules; Edison township sets those, and its official website is the place those questions start. - [Markup Percentage Math for Edison, NJ Restaurant Owners, With a Payment Calculator](https://graniteharborloans.com/resources/markup-calculator/): Markup divides profit by cost; margin divides it by price. This page shows both formulas with examples for a physician practice, a salon and a restaurant, and its calculator works out loan payments from three inputs. ## Communities near Edison, NJ - [Business Loans in Edison, NJ: Edison Township, NJ Owners and Middlesex County, NJ Counts](https://graniteharborloans.com/edison-nj/): Edison is a township in Middlesex County, NJ. The township-level figure here is the ACS self-employment share; ZIP 08817 counts come from ZIP Code Business Patterns and cover only part of the township; county counts are labeled Middlesex County, NJ. A call or the request form sends a need to funding partners, who decide. - [Business Funding Across Middlesex County, NJ: New Brunswick, NJ, Metuchen, NJ, Perth Amboy, NJ](https://graniteharborloans.com/service-areas/): Graniteharbor Loans is based in Edison township. This page gives Census notes for 21 Middlesex County, NJ places: county counts are labeled as county figures, ZIP counts carry a land note, and self-employment shares carry their margins of error. - [New Brunswick, NJ Business Financing for Crew Payroll](https://graniteharborloans.com/service-areas/new-brunswick-nj/): As an incorporated city of Middlesex County, NJ, New Brunswick has its own ACS self-employment estimate. Business counts on this page are ZIP 08901 rows from ZIP Code Business Patterns, and that ZIP reaches past the city line. The examples cover crew payroll, gym equipment and parts stock, with invented figures computed in full. - [Metuchen, NJ Business Financing for Treatment-Room Equipment and Furnishings](https://graniteharborloans.com/service-areas/metuchen-nj/): Metuchen is a borough in Middlesex County, NJ, and its land lies entirely inside ZIP 08840. Business counts here are ZIP 08840 rows from ZIP Code Business Patterns; the self-employment share is an ACS estimate for the borough. Dental, restaurant and repair-shop examples use invented figures computed in full. ## Company - [Small Business Loans in Edison, NJ for Shops, IT Firms and Medical Practices](https://graniteharborloans.com/): An Edison, NJ business can use Graniteharbor Loans to put one funding request in front of partner lenders and funding providers. Each of the six options, from working capital to the merchant cash advance, is explained on its own page. Partners review each request and set any offer. - [How Working Capital Requests Work in Edison, NJ: Statements, Invoices, Partner Offer](https://graniteharborloans.com/how-it-works/): A request moves from a call or the request form to a partner review of statements, invoices and quotes, and then to an offer or a decline. This page covers a salon line request, bank versus partner routes, common document lists and the steps for a parts order. - [Edison, NJ Working Capital and Loan Questions for Kitchens, Salons and IT Firms](https://graniteharborloans.com/faq/): Plain answers to common funding questions: loan terms with a dental imaging example, what a merchant cash advance is, a three-month amortization table for a restaurant, and salon payroll options. - [About Graniteharbor Loans: An Edison, NJ Office for Owners Weighing Funding](https://graniteharborloans.com/about/): From its office in Edison township, Graniteharbor Loans begins with a call that covers the need, open invoices and the papers behind it; the request then goes to funding partners, who review it and decide on any offer. - [Contact Graniteharbor Loans in Edison, NJ About Payroll Gaps](https://graniteharborloans.com/contact/): Talking to Graniteharbor Loans starts with (732) 399-4105 or with the apply page form. Bank statements, open invoices and any quote help on the call; nothing has to be sent first. - [Apply for Working Capital in Edison, NJ: One Form, Then Partner Review](https://graniteharborloans.com/apply/): Contact details (Full Name, Phone, Email, Company Name), three ranges (Time in Business, Annual Revenue, Requested Amount) and consent make up the form. It is not a credit application; documents and the purpose of the funding come up on the call that follows. - [Disclosures for Graniteharbor Loans, Edison, NJ](https://graniteharborloans.com/disclosures/): Graniteharbor Loans is a broker, not a lender. Offers, rates and terms come from funding partners; a merchant cash advance is not a loan; sending the form is not a credit application. ## Optional - [Full text of every page](https://graniteharborloans.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://graniteharborloans.com/sitemap.xml)