Cloverbrook Capital Group is a small-business funding broker in Marquette, MI, not a lender. This page sets out that role, where the figures on the site come from and how its invented examples work.
Cloverbrook Capital Group arranges funding requests and does not lend. Funding partners set every term, examples use invented figures, and local counts come from Census Bureau programs.
Where Cloverbrook sits in a funding request
Cloverbrook Capital Group is a broker: it arranges business funding requests, and it does not lend money, approve requests or set terms. A request that reaches Cloverbrook by phone or through the request form is matched with one or more funding partners, and each partner reviews the request against its own standards with its own money.
Funding partners set every term
Every amount, rate, factor, fee, term and collateral requirement comes from the funding partner that makes an offer. A partner may check credit, ask for documents and decline a request. Nothing on this site is an approval, a commitment to lend or a quote of terms.
About the invented numbers in examples and calculators
Worked examples on these pages are labeled as invented. Their amounts, rates and terms show how the arithmetic runs, not what any partner offers, and each payment was computed from the figures printed beside it. The calculators work from whatever numbers are entered and show results for comparison only.
Census programs behind the Marquette County, MI counts
Business counts come from U.S. Census Bureau programs: County Business Patterns (employer establishments, 2023), ZIP Code Business Patterns (employer establishments by ZIP, 2023), Nonemployer Statistics (businesses without paid employees, 2024) and the 2020-2024 American Community Survey 5-year estimates (self-employment shares, shown with their margins of error). Marquette County, MI figures describe the whole county, and ZIP 49855 figures describe employer establishments with an address in that ZIP.
The merchant cash advance on this site, described accurately
A merchant cash advance is a sale of a share of future card receipts to a funding provider, not a loan. The provider collects an agreed share of card sales until the total set by the factor has been collected; there is no interest rate and no fixed due date.
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