# Ivybank Finance > Ivybank Finance is a small-business funding service at 320 N 9th St, Quincy, IL 62301 (phone (217) 319-6382). It helps businesses in Quincy, IL and across Adams County, Illinois, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Ivybank Finance connects you with lending partners; partners make credit decisions and set rates and terms. Ivybank Finance is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Ivybank Finance does not arrange personal, payday, auto title, mortgage, startup or SBA loans, does not offer grants, and does not arrange funding for trucking. Key facts: - Business type: small-business funding service (not a lender) - Address: 320 N 9th St, Quincy, IL 62301, United States - Phone: (217) 319-6382 - Apply: https://ivybankfinance.com/apply/ - Service area: Quincy, IL and all of Adams County, Illinois - Language: English ## Funding options - [Business Loans in Quincy, IL: Which Option Fits Which Need](https://ivybankfinance.com/business-loans/): Ivybank Finance, a small-business funding service in Quincy, Illinois, compares six funding types on one page: working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. It explains term against amortization, installment loans against credit lines, and what each one suits, with links to each type's own page. - [Quincy, IL Working Capital Loans for Payables, Payroll and Short Gaps](https://ivybankfinance.com/business-loans/working-capital/): Ivybank Finance, a small-business funding service in Quincy, Illinois, explains working capital loans: how they cover current liabilities such as payroll and payables, how they are paid back, what partners review and how to size the funding gap. Requests from Adams County, IL businesses go to funding partners, who make their own decisions. - [Term Loans for Quincy, IL Businesses Planning an Expansion](https://ivybankfinance.com/business-loans/term-loans/): Ivybank Finance, a small-business funding service in Quincy, Illinois, explains business term loans: how they fund expansions and remodels, how acquisition financing for buying a business works, the records a partner reads in a purchase, and how a term loan compares with working capital. A funding partner reads each request and makes the call. - [Quincy, IL Business Lines of Credit for Inventory and Short-Term Needs](https://ivybankfinance.com/business-loans/line-of-credit/): Ivybank Finance, a small-business funding service in Quincy, Illinois, explains business lines of credit: common requirements, how to apply, how a line compares with a working capital loan and a term loan, and how a line can carry payroll for added staff. Funding partners review each request and set any limit. - [Inventory Loans for Quincy, IL Shops Buying Stock in Bulk](https://ivybankfinance.com/business-loans/inventory-financing/): Ivybank Finance, a small-business funding service in Quincy, Illinois, explains inventory financing: loans to buy stock in bulk, what a request needs, purchase order financing and factoring compared, pre-season orders and supply chain finance. Adams County, IL counted 255 retail employer establishments in 2023 (CBP). Partners review each request. - [Quincy, IL Equipment Financing for Shop Tools, Vehicles and Machinery](https://ivybankfinance.com/equipment-financing/): Ivybank Finance, a small-business funding service in Quincy, Illinois, explains equipment financing for shop tools, vehicles and machinery: loans against leases, used construction equipment, lease buyouts, towing and painting rigs, and what partners read in an equipment request. Each funding partner reads the request on its own terms and reaches its own decision. - [Quincy, IL Merchant Cash Advances and What the Factor Rate Means](https://ivybankfinance.com/merchant-cash-advance/): Ivybank Finance, a small-business funding service in Quincy, Illinois, explains merchant cash advances: what the factor rate means, how the holdback or fixed debit works, why stacking advances is risky, how revenue-based financing differs, and how an advance compares with a term loan or a line of credit. An advance is a purchase of receipts, not a loan. ## Industries - [Quincy, IL Business Loans Sorted by Industry](https://ivybankfinance.com/industries/): Ivybank Finance, a small-business funding service in Quincy, Illinois, sorts funding notes by industry: trades, retail, food and drink, professional firms, health care, personal services and more. Each note gives the Adams County, IL employer count from County Business Patterns 2023 where one is published and points to the funding type or page that fits. - [Construction Business Financing Around Quincy, IL](https://ivybankfinance.com/industries/construction/): Ivybank Finance, a small-business funding service in Quincy, Illinois, covers construction business financing: working capital for concrete and roofing contractors, materials funding for builders, equipment and lines of credit. Adams County, IL had 210 construction employer establishments in 2023 (CBP) and 434 construction businesses without paid employees in 2024 (NES). - [Retail Business Financing in Quincy, IL and Adams County, IL](https://ivybankfinance.com/industries/retail/): Ivybank Finance, a small-business funding service in Quincy, Illinois, covers retail business financing: inventory funding, lines of credit, remodel loans, grocery store and shop requests, and when a merchant cash advance gets weighed. Adams County, IL had 255 retail employer establishments in 2023 (CBP), the most of any sector. - [Restaurant Business Financing Around Quincy, IL](https://ivybankfinance.com/industries/restaurants/): Ivybank Finance, a small-business funding service in Quincy, Illinois, covers restaurant business financing: commercial kitchen equipment, working capital for repairs and payroll, and new restaurant requests. Adams County, IL had 53 full-service and 38 limited-service restaurants with paid employees in 2023 (CBP), and funding partners review each request. - [Accounting Firm Funding in Quincy, IL and Adams County, IL](https://ivybankfinance.com/industries/accounting-and-professional-firms/): Ivybank Finance, a small-business funding service in Quincy, Illinois, covers funding for accounting, consulting, IT and engineering firms: buying an accounting practice, lines of credit for fee timing, and what partners read in a practice purchase. Adams County, IL had 38 accounting, 21 consulting and 9 engineering employer establishments in 2023 (CBP). - [Mechanic Shop Loans for Businesses in Quincy, IL](https://ivybankfinance.com/industries/auto-repair/): Ivybank Finance, a small-business funding service in Quincy, Illinois, covers mechanic and auto body shop funding: equipment financing for lifts, scanners and bays, working capital for parts and payroll, car wash requests and credit for repair shops. Adams County, IL had 66 auto repair employer establishments in 2023 (CBP), and partners review each request. - [Chiropractic Business Loans Serving Quincy, IL](https://ivybankfinance.com/industries/chiropractic-therapy-optometry/): Ivybank Finance, a small-business funding service in Quincy, Illinois, covers funding for chiropractic, physical therapy and optometry practices: equipment financing for tables, imaging and exam lanes, working capital while insurers pay, and loans for a new clinic location. Adams County, IL had 49 such practices with paid employees in 2023 (CBP). - [Insurance Agency Financing in Quincy, IL: Equipment, Cash Flow and Growth](https://ivybankfinance.com/industries/insurance-agencies/): Ivybank Finance, a small-business funding service in Quincy, Illinois, covers insurance agency financing: loans for agents, agency and book of business purchases, acquisition requirements, and lines of credit between commission statements. Adams County, IL had 47 insurance agencies with paid employees in 2023, 85.1% of them with fewer than five employees (CBP). - [Pub Business Loans in Quincy, IL](https://ivybankfinance.com/industries/bars-and-taverns/): Ivybank Finance, a small-business funding service in Quincy, Illinois, covers pub and tavern funding: bar equipment financing, liquor license questions in a purchase, stock and remodel funding, and how an advance compares with a loan. Adams County, IL had 31 drinking places with paid employees in 2023, 71.0% with fewer than five employees (CBP). - [Business Loans for HVAC Companies in Quincy, IL: Equipment, Cash Flow and Growth](https://ivybankfinance.com/industries/plumbing-hvac/): Ivybank Finance, a small-business funding service in Quincy, Illinois, covers funding for plumbing and HVAC contractors: working capital for installs, lines of credit against supplier accounts, van and tool financing, and plumbing equipment. Adams County, IL had 31 plumbing, heating and air-conditioning contractors with paid employees in 2023 (CBP). - [Landscaping Business Loans in Quincy, IL for Mowing and Grounds Crews](https://ivybankfinance.com/industries/landscaping/): Ivybank Finance, a small-business funding service in Quincy, Illinois, covers landscaping business loans: mower and trailer financing, buying a landscaping business, working capital for crew payroll and lines of credit. Adams County, IL had 30 landscaping employer establishments in 2023 and 118 without paid employees in 2024 (CBP; NES). - [Law Firm Business Loans in Quincy, IL and Adams County, IL](https://ivybankfinance.com/industries/law-firms/): Ivybank Finance, a small-business funding service in Quincy, Illinois, covers law firm business loans: lines of credit for payroll and case costs, partner loans for buy-ins, repayment planning around fee timing, and the records partners read. Adams County, IL had 26 legal services firms with paid employees in 2023, 84.6% with fewer than five employees (CBP). - [Gas Station Financing for Businesses in Quincy, IL](https://ivybankfinance.com/industries/gas-stations-convenience-stores/): Ivybank Finance, a small-business funding service in Quincy, Illinois, covers gas station and convenience store financing: store and fuel inventory, pump and cooler equipment, and loans to buy a gas station business. Adams County, IL had 26 gasoline stations with paid employees in 2023, with 230 employees (CBP), and partners review each request. ## Guides and calculators - [Quincy, IL Business Loan Guides, Checklists and a Calculator](https://ivybankfinance.com/resources/): Ivybank Finance, a small-business funding service in Quincy, Illinois, keeps guides for Adams County, IL owners: Illinois withholding tax registration for new employers, Quincy, IL zoning and building department steps, a business loan payoff calculator, and checklists for a business plan, working capital request and loan documents. - [Quincy, IL Zoning Map, Zoning Code and Building Department Steps](https://ivybankfinance.com/resources/quincy-il-zoning-and-building-code/): Ivybank Finance, a small-business funding service in Quincy, Illinois, explains the zoning and building steps before a new business location or build-out: reading the City of Quincy, IL zoning map and ordinance, talking to the building department before a lease, Adams County, IL zoning for unincorporated sites, and how permits shape a funding request. - [Illinois Withholding Tax Registration for Quincy, IL Employers](https://ivybankfinance.com/resources/illinois-withholding-tax-registration/): Ivybank Finance, a small-business funding service in Quincy, Illinois, explains Illinois withholding tax registration for new employers: what withholding is, what to gather, how to register with the Illinois Department of Revenue, the separate unemployment insurance account, payroll providers, and how payroll tax deposits appear when a funding partner reads your bank statements. - [Quincy, IL Business Loan Payoff Calculator for Early Payoff Planning](https://ivybankfinance.com/resources/business-loan-payoff-calculator/): Ivybank Finance, a small-business funding service in Quincy, Illinois, provides a business loan payoff calculator. Enter amount, rate and term to estimate the monthly payment, total interest and total repaid. The page shows how to work out the remaining balance and the interest saved by paying a term or working capital loan off early. ## Areas served - [Quincy, IL Business Loans and the Adams County, IL Business Base](https://ivybankfinance.com/quincy-il/): Ivybank Finance, a small-business funding service in Quincy, Illinois, publishes Adams County, IL business figures here: 1,787 employer establishments in 2023 (CBP), 4,218 businesses without paid employees in 2024 (NES), the ZIP Code 62301 sector mix, self-employment shares and permit counts, plus zoning and assessor lookups. - [Business Financing for Towns Around Quincy, IL and Across Adams County, IL](https://ivybankfinance.com/service-areas/): Ivybank Finance, a small-business funding service in Quincy, Illinois, takes funding requests from towns across Adams County, IL, including Camp Point, Liberty, Mendon, Payson, Ursa and Golden. This page gives ZIP Code business counts for each (ZBP 2023) and explains how to get a business loan as a business, with a DBA, and what requirements to line up. ## Company - [Quincy, IL Small Business Loans: Lines of Credit, Term Loans and Equipment Funding](https://ivybankfinance.com/): Ivybank Finance, based in Quincy, Illinois, arranges small-business funding. It takes requests by phone and online form, sorts each one by the bill the money has to cover and the date it falls due, and matches it with funding partners who review it and make their own decision. Six funding types are covered. - [Getting a Business Loan in Quincy, IL: Request, Review and Offer Stages](https://ivybankfinance.com/how-it-works/): Ivybank Finance, a small-business funding service in Quincy, Illinois, explains how a business funding request moves from first call to partner decision: the records partners read, requests for an existing business or a new shop building, timing, and credit checks. Every request is weighed by funding partners, and each reaches its own decision. - [Common Business Loan Questions in Quincy, IL](https://ivybankfinance.com/faq/): Ivybank Finance, a small-business funding service in Quincy, Illinois, answers common business loan questions: using a line of credit for payroll, how hard a line is to get, whether an unused line is an asset, what sets the size and cost of a line, and funding without steady income. Funding partners read requests and give the answers. - [Ivybank Finance in Quincy, IL: Our Business Funding Service](https://ivybankfinance.com/about/): Ivybank Finance, a small-business funding service in Quincy, Illinois, takes funding requests by phone and online form, sorts each by the expense and its timing, and matches it with funding partners who review it and make their own decision. It covers six funding types for Adams County, IL businesses and publishes plain guides. - [Reach Ivybank Finance in Quincy, IL About Business Funding](https://ivybankfinance.com/contact/): Ivybank Finance, a small-business funding service in Quincy, Illinois, takes calls and online form requests. This page gives the phone number and form and answers questions on loan requirements, underwriting for credit lines, term loans against revolving credit, and equipment loans against hire purchase. - [Request Business Loan Options in Quincy, IL](https://ivybankfinance.com/apply/): Ivybank Finance, a small-business funding service in Quincy, Illinois, takes funding requests through this short form. It asks for contact details, company name if any, time in business, annual revenue range and requested amount range, plus consent. Each funding partner reads the request on its own terms and reaches its own decision. - [Disclosures for Ivybank Finance, Quincy, IL](https://ivybankfinance.com/disclosures/): Ivybank Finance, a small-business funding service in Quincy, Illinois, sets out its role on this page: it is a funding broker that matches requests with funding partners, who review them and make their own decisions. The page covers merchant cash advances, how information is shared and checks to make before accepting an offer. ## Optional - [Full text of every page](https://ivybankfinance.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://ivybankfinance.com/sitemap.xml)