# Harborpark Funding Group > Harborpark Funding Group is a small-business funding broker at 93 State St, Binghamton, NY 13901 (phone (607) 213-8439). It helps businesses in Binghamton, NY; Johnson City, NY and across Broome County, New York, explore equipment loans and leases, commercial term loans, business lines of credit, working capital loans, inventory loans, and merchant cash advances. Harborpark Funding Group passes funding requests to funding partners; each partner reviews a request and sets its own credit decision, rates and terms. Harborpark Funding Group is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Harborpark Funding Group does not arrange personal, payday, auto title, mortgage, startup or SBA loans, does not offer grants, and does not arrange funding for trucking or agriculture. Key facts: - Business type: small-business funding broker (not a lender) - Address: 93 State St, Binghamton, NY 13901, United States - Phone: (607) 213-8439 - Apply: https://harborparkfundinggroup.com/apply/ - Service area: Binghamton, NY; Johnson City, NY and all of Broome County, New York - Language: English ## Funding options - [Business Loan Options in Binghamton, NY: Equipment Notes, Credit Lines, Term Loans](https://harborparkfundinggroup.com/business-loans/): This Harborpark Funding Group page compares six funding options for Binghamton, New York businesses: what each pays for, how it is paid back or collected, and which Broome County trades tend to use it. Funding partners set every rate and term. - [Short-Term Business Loans in Binghamton, NY for Utility Bills, Payroll and Stock](https://harborparkfundinggroup.com/business-loans/working-capital/): Harborpark Funding Group in Binghamton, New York explains short-term working capital loans here: what they cover, how repayment schedules work, and when a line of credit or a term loan fits a Broome County business better. - [Commercial Term Loans in Binghamton, NY for Remodels, Buy-Ins and Business Purchases](https://harborparkfundinggroup.com/business-loans/term-loans/): Harborpark Funding Group in Binghamton, New York explains commercial term loans: buying an existing restaurant, salon or grocery, revolving versus standard term loans, amortization, and the questions owner-occupied buildings raise. - [Commercial Line of Credit in Binghamton, NY: Draws for Payroll, Stock and Repairs](https://harborparkfundinggroup.com/business-loans/line-of-credit/): Harborpark Funding Group in Binghamton, New York explains commercial lines of credit for Broome County restaurants, salons, grocers and machine shops: how draws work, how a line compares with an installment loan, and what a lender reads. - [Inventory Loans in Binghamton, NY for Grocery Stock, Salon Product and Parts](https://harborparkfundinggroup.com/business-loans/inventory-financing/): Harborpark Funding Group in Binghamton, New York explains inventory loans for Broome County grocers, corner stores, boutiques and garden retailers: how stock is valued, when to order ahead and how the loan is repaid as goods sell. - [Equipment Financing in Binghamton, NY: Pizza Ovens, Salon Chairs, Coolers and Lathes](https://harborparkfundinggroup.com/equipment-financing/): Harborpark Funding Group, a Binghamton, New York funding service, features equipment financing and explains it by trade: restaurants, salons, dental and medical offices, machine shops, gyms and concrete crews, with Broome County counts. - [Business Cash Advance in Binghamton, NY: Card-Sales Funding for Pizzerias and Salons](https://harborparkfundinggroup.com/merchant-cash-advance/): Harborpark Funding Group in Binghamton, New York lists the business cash advance next to its loan options so Broome County pizzerias, salons and shops can price it fairly: how collection works, how it differs from a lender, and its total cost. ## Industries - [Industry Business Loans in Binghamton, NY: Kitchens, Salons, Grocers and Shops](https://harborparkfundinggroup.com/industries/): Harborpark Funding Group, a Binghamton, New York funding service, takes requests from operating businesses in every trade except for-hire trucking and agriculture. This hub links fourteen industry pages and notes on sectors without a page. - [Construction Business Loans in Binghamton, NY for Remodelers, Electricians and Crews](https://harborparkfundinggroup.com/industries/construction/): Harborpark Funding Group passes funding requests from Binghamton, New York contractors to funding partners. This page covers Broome County construction counts, draw gaps, equipment, public work and electrical contractors. - [Business Loans for Retail in Binghamton, NY: Downtown Stock, Fixtures and Upfits](https://harborparkfundinggroup.com/industries/retail/): Harborpark Funding Group passes funding requests from Binghamton, New York retailers to funding partners. This page covers Broome County retail counts, stock, fixtures, storefronts, second locations and credit union comparisons. - [Restaurant Loans in Binghamton, NY for Pizzerias, Diners and Downtown Dining Rooms](https://harborparkfundinggroup.com/industries/restaurants/): Binghamton, New York restaurant owners can send funding requests through Harborpark Funding Group to funding partners. This page covers Broome County restaurant counts, equipment, lender records, bank loans and equipment lenders. - [Medical Practice Loans in Binghamton, NY for Exam Rooms, Imaging and Buy-Ins](https://harborparkfundinggroup.com/industries/medical-practices/): Harborpark Funding Group passes funding requests from Binghamton, New York physician practices to funding partners. This page covers Broome County physician office counts, new providers, imaging, practice purchases and office moves. - [Salon Business Loans in Binghamton, NY for Chairs, Suites and Nail Stations](https://harborparkfundinggroup.com/industries/salons/): Harborpark Funding Group passes funding requests from Binghamton, New York salons, nail studios and barbershops to funding partners. This page covers Broome County salon counts, equipment, moves, chair rental and barbershop expansions. - [Dental Office Loans in Binghamton, NY for Operatories, Imaging and Purchases](https://harborparkfundinggroup.com/industries/dental-practices/): Binghamton, New York dental offices can send funding requests through Harborpark Funding Group to funding partners. This page covers Broome County dentist counts, imaging, cabinetry and sterilization, second locations and what lenders review. - [Auto Repair Shop Loans in Binghamton, NY for Lifts, Bays and Diagnostics](https://harborparkfundinggroup.com/industries/auto-repair/): Harborpark Funding Group passes funding requests from Binghamton, New York repair shops to funding partners. This page covers Broome County repair shop counts, second locations, parts stock, collision work and diagnostic equipment. - [Grocery Store Loans in Binghamton, NY for Coolers, Freezers and Wholesale Orders](https://harborparkfundinggroup.com/industries/grocery-stores/): Harborpark Funding Group passes funding requests from Binghamton, New York grocers and corner stores to funding partners. This page covers Broome County grocery counts, freezers, deli counters, wholesale stock and buying a store. - [Landscaping Equipment Financing in Binghamton, NY for Mowers, Plows and Trailers](https://harborparkfundinggroup.com/industries/landscaping/): Harborpark Funding Group passes funding requests from Binghamton, New York landscape companies to funding partners. This page covers Broome County landscaping counts, maintenance contracts, skid steers, hardscape work and lenders for crews. - [Daycare Center Financing in Binghamton, NY for Infant Rooms, Playgrounds and Staff](https://harborparkfundinggroup.com/industries/child-care/): Harborpark Funding Group passes funding requests from Binghamton, New York child care centers to funding partners. This page covers Broome County child day care counts, buildings, payroll, equipment, program funding and second sites. - [Hotel Loans in Binghamton, NY for Bathroom Upgrades, FF&E and Front-Desk Systems](https://harborparkfundinggroup.com/industries/hotels-motels/): Harborpark Funding Group passes funding requests from Binghamton, New York lodging businesses to funding partners. This page covers non-mortgage hotel funding: renovation, furniture and equipment, room systems and the records lenders check. - [Coffee Shop Loans in Binghamton, NY for Espresso Machines and Neighborhood Cafes](https://harborparkfundinggroup.com/industries/coffee-shops/): Harborpark Funding Group passes funding requests from Binghamton, New York coffee shops and cafes to funding partners. This page covers Broome County coffee and snack bar counts, equipment, drive-up windows, bakery cafes and second locations. - [Machine Shop Loans in Binghamton, NY for CNC Lathes, Mills and Inspection Gear](https://harborparkfundinggroup.com/industries/machine-shops/): Harborpark Funding Group passes funding requests from Binghamton, New York machine shops and fabricators to funding partners. This page covers Broome County fabricated metal counts, CNC machines, inspection equipment and banks versus machinery lenders. - [Gas Station Loans in Binghamton, NY for Pumps, Coolers and Store Rebuilds](https://harborparkfundinggroup.com/industries/gas-stations-convenience-stores/): Binghamton, New York station and convenience store owners can route funding requests through Harborpark Funding Group to funding partners. This page covers Broome County counts, dispensers, fuel supply agreements, store rebuilds and buying a station. ## Guides and calculators - [Business Loan Guides for Binghamton, NY: Zoning, Assumed Names, Liquor Licensing](https://harborparkfundinggroup.com/resources/): Harborpark Funding Group publishes these Binghamton, New York guides to explain where city permits and state name filings fit in a funding request. They describe what the offices publish and point owners to the offices themselves. - [Binghamton, NY Zoning Map and Building Permits for Storefronts and Kitchens](https://harborparkfundinggroup.com/resources/binghamton-ny-zoning-and-building-permits/): This Harborpark Funding Group guide describes the City of Binghamton Planning, Zoning & Historic Preservation Department and Building Construction & Code Enforcement pages on binghamton-ny.gov (checked 2026-10-24) and explains how zoning and permits affect a funding request. It is not legal advice. - [NY Certificate of Assumed Name Form for Binghamton, NY and Broome County, NY Businesses](https://harborparkfundinggroup.com/resources/ny-certificate-of-assumed-name/): This Harborpark Funding Group guide explains the New York certificate of assumed name, often called a DBA, and where it fits in a funding file for a Broome County business. It is not legal advice; filing rules belong to the New York Department of State and the county clerk. - [Cash Flow Coverage Ratio Calculator for Binghamton, NY Owners](https://harborparkfundinggroup.com/resources/cash-flow-coverage-ratio-calculator/): Harborpark Funding Group built this cash flow coverage page for Binghamton, New York owners. The calculator returns a monthly payment; the steps below turn that payment into a coverage ratio, with invented examples for a restaurant and a salon. ## Areas served - [Business Loans in Binghamton, NY: Broome County, NY Kitchens, Salons, Grocers and Shops](https://harborparkfundinggroup.com/binghamton-ny/): Harborpark Funding Group prepares small-business funding requests from its office at 93 State St, Binghamton, NY 13901. This page gathers Census counts for ZIP 13901 and Broome County, compares the lender types owners weigh, and links the city zoning and assumed name guides. - [Business Funding in Broome County, NY Beyond Downtown Binghamton, NY: Johnson City, NY and Nearby](https://harborparkfundinggroup.com/service-areas/): From its Binghamton, New York office, Harborpark Funding Group takes funding requests from anywhere in Broome County and nearby counties. Each ZIP count here covers a postal area, which rarely lines up with a town line. - [Business Loans for Johnson City, NY Shops, Clinics and Restaurants in Broome County, NY](https://harborparkfundinggroup.com/service-areas/johnson-city-ny/): Businesses in Johnson City, New York can send funding requests to Harborpark Funding Group. Figures on this page are for ZIP 13790 and for Johnson City residents, plus a labeled band of Broome County counts for context. This is Johnson City, NY, not Johnson City, TN. ## Company - [Small Business Funding in Binghamton, NY: Kitchens, Salons, Grocers and Machine Shops](https://harborparkfundinggroup.com/): Harborpark Funding Group is a Binghamton, New York small-business funding service that starts from the cost in front of the owner: a machine quote, a remodel bid, a payroll week or a wholesale order. It narrows the funding types to the ones that suit that cost and passes the request to funding partners, who decide approval, amount and price. - [How to Apply for a Business Loan in Binghamton, NY: Call, Documents, Partner Review](https://harborparkfundinggroup.com/how-it-works/): This Harborpark Funding Group page sets out how a funding request moves in Binghamton, New York: the first conversation, the documents a funding partner may ask for, the partner's review and the owner's decision. - [Binghamton, NY Business Funding Questions: Underwriting, Collateral and Loan Size](https://harborparkfundinggroup.com/faq/): Short answers to funding questions a Binghamton, New York owner may have before contacting Harborpark Funding Group. Approval, rates and terms are decided by funding partners. - [About Harborpark Funding Group: Binghamton, NY Funding Requests, Prepared Locally](https://harborparkfundinggroup.com/about/): Harborpark Funding Group works from Binghamton, New York, turning the cost an owner describes into a funding request that funding partners can review. The partners decide approval, amount and terms; the owner decides whether to accept. - [Contact Harborpark Funding Group in Binghamton, NY: Phone Line, Web Form, Map](https://harborparkfundinggroup.com/contact/): The office address is Harborpark Funding Group, 93 State St, Binghamton, NY 13901. Phone (607) 213-8439. - [Apply for Small Business Funding in Binghamton, NY: Harborpark Form and Next Steps](https://harborparkfundinggroup.com/apply/): The Harborpark Funding Group request form asks for a full name, phone, email, a company name if there is one, and three range picks: time in business, annual revenue and the amount requested, plus a required consent box. - [Disclosures for Harborpark Funding Group, Binghamton, NY](https://harborparkfundinggroup.com/disclosures/): Harborpark Funding Group in Binghamton, New York is a funding broker, not a lender. ## Optional - [Full text of every page](https://harborparkfundinggroup.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://harborparkfundinggroup.com/sitemap.xml)