Deerbrook Lenders is a loan broker based in Pascagoula, MS. The money in any offer comes from a funding partner, and so does the decision to make one; the disclosures below set out the rest.
Deerbrook Lenders brokers business funding requests; funding partners decide on and fund any offer.
Brokering a request rather than lending on it
Deerbrook Lenders does not lend, hold funds or make credit decisions. It hears what a business needs the money for, suggests the funding types that fit and passes the request to funding partners. A partner may decline; any offer carries that partner's rate, fees and terms, and the business signs with the partner, not with Deerbrook.
The merchant cash advance on Deerbrook pages is not a loan
A merchant cash advance is a purchase of part of a business's future card sales. The provider pays an amount up front and collects an agreed total through a set share of each day's card sales, the holdback, until that total is reached. The cost is stated as a factor: a 1.25 factor means $1.25 collected for each dollar advanced. Providers set the factor and holdback of any advance.
Payment math labeled as invented
Each worked example on this site uses amounts, rates and terms chosen to show how the arithmetic runs, under the label "Illustration only, invented figures". No funding partner has priced them, and an actual offer can differ in every figure.
Where the business counts come from
Establishment counts, payroll totals and self-employment shares come from U.S. Census Bureau programs: County Business Patterns, ZIP Code Business Patterns, Nonemployer Statistics and the American Community Survey. Each figure names its program, year and area.
Decisions that rest with the funding partner
Whether a request receives an offer, and the amount, rate, payment schedule, collateral, guarantee and timing of any offer, are set by the funding partner. Nothing on these pages is an offer of credit.
By Deerbrook Lenders · Updated