A call or the request form starts things; Rainview hands the details to funding partners, who review them and decide. The page covers card deposits and advances, the McKinley County trades on this site, what happens after the first call and a hotel furnishing example.
Why the Card Deposits on a Store's Statements Can Shape an Advance
A merchant cash advance is not a loan: a provider buys part of a business's future card sales and collects an agreed share of each day's card receipts until the purchased amount is in. That is why the card deposits on a store's bank statements matter so much to this one product. They show the stream a provider would be collecting from.
On a call, Rainview can ask how a business takes payment: card terminal, cash, invoices to other companies, or a mix. A shop that bills contractors on 30-day terms has little card volume to collect against, and its need may fit working capital or a line of credit better than an advance. A counter-service kitchen with steady card traffic is the shape the card-sales advance was built for.
Stores, Hotels, Kitchens and Stations: The McKinley County, NM Trades on This Site
The trade pages on this site follow businesses that show up in County Business Patterns for McKinley County, NM. Retail is the widest group: a store owner weighing new display cases sits among 214 retail trade establishments with paid staff that the 2023 CBP counted in the county (NAICS 44-45).
A motel buying new beds is one of 31 traveler accommodation establishments (NAICS 7211) in the same 2023 count. Kitchens split in two: 40 full-service restaurants (NAICS 722511) and 52 limited-service restaurants (NAICS 722513), each figure its own CBP line. Gasoline stations, where the store side carries the coolers, shelving and register stock this site covers, came to 44 establishments (NAICS 4471).
Auto repair shops (33 establishments, NAICS 8111) and construction (59 establishments, NAICS 23) round out the trades with pages of their own. Trucking and agriculture are outside what Rainview arranges, as are property purchases and work on a building itself.
What Happens to an Advance Request at Rainview After the First Call
- The call sets out the need: what the money buys or covers, roughly how much, and when the cost comes due.
- The request goes to a funding partner whose products fit that need, whether an advance, a term loan or equipment financing.
- If the partner wants to see more, it asks for documents such as recent business bank statements or card processing statements.
- The partner reviews the business and may check credit as part of that review.
- An offer, if one comes, names the amount, the cost and the schedule; the owner compares it and signs only if it fits.
The step-by-step version, with the questions partners can raise along the way, is on how a request works. The Rainview office is at 202 S 3rd St, Gallup, NM 87301, and the phone line and the office map are on the contact page, while the request form is on the apply page.
A Hotel Owner in McKinley County, NM: How a Rainview Request Could Look
Picture the owner of a roadside motel who wants to replace mattresses, bed frames, nightstands and televisions across the rooms on one floor. Those are furnishings that can be moved out of the room, and a partner can treat them as equipment financing with the furniture as security, or size a smaller working capital amount for a partial order.
What stays off the request: new walls, plumbing, wiring or any change to the building itself, which is property work outside this site. Of the 31 traveler accommodation establishments in the 2023 CBP for McKinley County, NM, 8 had fewer than 5 employees (25.8%).
By Rainview Business Loans · Updated