# Fernharbor Capital

> Fernharbor Capital is a small-business funding broker at 901 W 5th St, Winona, MN 55987 (phone (507) 361-8001). It helps businesses in Winona, MN and across Winona County, Minnesota, explore equipment loans and leases, working capital loans, business lines of credit, business term loans, inventory financing, and merchant cash advances. Fernharbor Capital takes business funding requests and sends them to funding partners; each partner reviews a request on its own and decides any approval, amount, price and terms. Fernharbor Capital is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Fernharbor Capital 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: 901 W 5th St, Winona, MN 55987, United States
- Phone: (507) 361-8001
- Apply: https://fernharborcapital.com/apply/
- Service area: Winona, MN and all of Winona County, Minnesota
- Language: English

## Funding options
- [Business Financing Options in Winona, MN, Lined Up by What the Money Does](https://fernharborcapital.com/business-loans/): Fernharbor Capital in Winona, Minnesota groups six funding types by the job the money does: buying an asset, bridging a gap, buying a business or stocking goods. Funding partners review each request and decide approval, amount and price.
- [Equipment Financing in Winona, MN: Machines, Work Trucks, Lifts and Kitchen Gear](https://fernharborcapital.com/equipment-financing/): Plants, contractors, repair shops, restaurants and studios in Winona County, Minnesota can request equipment financing through Fernharbor Capital. This page goes trade by trade, compares leases with loans and works through a machine purchase.
- [Working Capital Loans in Winona, MN: Payroll and Materials Between Payments](https://fernharborcapital.com/business-loans/working-capital/): Plants, contractors, restaurants and shops in Winona County, Minnesota can request working capital through Fernharbor Capital. This page explains what the money covers, how payroll gaps are sized, and what a partner reads before an offer.
- [Business Lines of Credit in Winona, MN: Draws for Repairs, Stock and Payroll](https://fernharborcapital.com/business-loans/line-of-credit/): Repair shops, restaurants, bars, contractors and plants in Winona County, Minnesota can request a business line of credit through Fernharbor Capital. This page covers draws, paydowns, what an unused limit costs and how renewals work.
- [Business Term Loans in Winona, MN for Buying a Shop or Expanding a Plant](https://fernharborcapital.com/business-loans/term-loans/): Owners in Winona County, Minnesota can request a business term loan through Fernharbor Capital for an acquisition, a buyout or an expansion. This page compares term loans with credit lines, advances and bridge loans and shows illustrative payments.
- [Inventory Financing in Winona, MN for Downtown Shops and Parts Counters](https://fernharborcapital.com/business-loans/inventory-financing/): Shops, parts counters, restaurants and bars in Winona County, Minnesota can request inventory financing through Fernharbor Capital. This page explains the types of inventory financing and how they differ from equipment loans and credit lines.
- [Merchant Cash Advance in Winona, MN for Taverns, Cafes and Shops](https://fernharborcapital.com/merchant-cash-advance/): Taverns, cafes, restaurants and shops in Winona County, Minnesota that take card payments can ask Fernharbor Capital about a merchant cash advance. It is a purchase of future card sales, not a loan; this page explains the price, the holdback and the comparisons.

## Industries
- [Business Loans by Industry in Winona, MN: Builders, Shops, Kitchens and Taverns](https://fernharborcapital.com/industries/): Any operating trade except trucking and agriculture can send Fernharbor Capital in Winona, Minnesota a request. This hub links five trade pages and adds Census notes on manufacturers, dental and physician offices, child care, salons, gyms, lodging, stations and grocers.
- [Restaurant Loans in Winona, MN, From Kitchen Hoods to Food Orders](https://fernharborcapital.com/industries/restaurants/): Full-service and counter-service restaurants in Winona County, Minnesota can send funding requests through Fernharbor Capital. This page covers kitchen equipment, new restaurants, payroll gaps and hood work, with Census restaurant counts.
- [Auto Repair Shop Loans in Winona, MN, From Two-Post Lifts to Parts Inventory](https://fernharborcapital.com/industries/auto-repair/): Mechanical, tire and general repair shops in Winona County, Minnesota can send funding requests through Fernharbor Capital. This page covers shop equipment, parts, bays and buying a shop, with Census counts for county repair shops.
- [Business Loans for Retail in Winona, MN, From Store Fixtures to Seasonal Stock](https://fernharborcapital.com/industries/retail/): Shops, stations, dealers and supply stores in Winona County, Minnesota can send funding requests through Fernharbor Capital. This page covers fixtures, storefront work, supplier terms and stock, with Census counts by store type.
- [Construction Business Loans in Winona, MN, From Excavators to Materials](https://fernharborcapital.com/industries/construction/): General contractors, remodelers, HVAC and electrical shops and site crews in Winona County, Minnesota can send funding requests through Fernharbor Capital. This page covers equipment, payroll, retainage and the county construction counts.
- [Bar Business Loans in Winona, MN, From Draft Systems to a Patio Addition](https://fernharborcapital.com/industries/bars/): Bars, taverns and pubs in Winona County, Minnesota can send funding requests through Fernharbor Capital. This page covers equipment, remodels, patios and pub purchases, the city liquor license in a funding file, and Census counts.

## Guides and calculators
- [Winona, MN Funding Guides: Minnesota Lender Types, Zoning, Liquor Licenses](https://fernharborcapital.com/resources/): Guides from Fernharbor Capital in Winona, Minnesota. Each one links the official source it draws on, with the date it was checked; rules and fees can change, so confirm them with the office named.
- [Types of Business Lenders in Minnesota: Banks, Credit Unions and CDFIs Near Winona, MN](https://fernharborcapital.com/resources/types-of-business-lenders-in-minnesota/): A guide from Fernharbor Capital in Winona, Minnesota to the kinds of lenders a Winona County business can approach and what each looks at. No lender is endorsed; Fernharbor sends requests to funding partners, who decide.
- [City of Winona, MN Zoning Map and Building Permits for Shop and Plant Projects](https://fernharborcapital.com/resources/winona-mn-zoning-and-building-permits/): A guide from Fernharbor Capital in Winona, Minnesota to the city and county offices a build-out, a bay expansion or a new kitchen hood can touch. Facts are from winonamn.gov and winonacounty.gov, checked 2026-10-24; confirm current rules and fees with each office.
- [Minnesota Liquor License Types for Winona, MN Taverns and Restaurants](https://fernharborcapital.com/resources/minnesota-liquor-license-for-bars-and-restaurants/): A guide from Fernharbor Capital in Winona, Minnesota to the liquor license steps the City of Winona describes, and where the license sits in a bar or restaurant funding request. It is not legal advice; confirm every step with the City Clerk.
- [Machine Cost per Hour Calculator for Winona, MN Plants and Shops](https://fernharborcapital.com/resources/machine-cost-per-hour-calculator/): A calculator from Fernharbor Capital in Winona, Minnesota. It works out an equipment payment from the numbers you enter; the page shows how to turn that into a cost per machine hour. Nothing you type is sent anywhere.

## Areas served
- [Business Loans in Winona, MN: Manufacturing, Retail and Food Service Counts](https://fernharborcapital.com/winona-mn/): Fernharbor Capital’s office is in Winona, Minnesota. This page sets out the Census counts for Winona County and ZIP 55987, the local lender landscape, downtown and commercial property questions, and how a request from the city moves.
- [Business Funding Across Winona County, MN and the Nearby River Towns](https://fernharborcapital.com/service-areas/): Fernharbor Capital in Winona, Minnesota takes requests from across Winona County and nearby Wisconsin towns. Town figures here are ZIP Business Patterns counts; each ZIP covers far more land than its town.

## Company
- [Small Business Loans in Winona, MN: Plants, Builders, Shops and Taverns](https://fernharborcapital.com/): Fernharbor Capital, based in Winona, Minnesota, starts with what the money has to pay for: a machine, a truck, a kitchen, stock or a payroll gap. It sets that cost against six funding types, led by equipment financing, and sends the request to funding partners, who make every decision on approval, amount and price.
- [How to Apply for a Small Business Loan in Winona, MN: One Call to an Offer](https://fernharborcapital.com/how-it-works/): Fernharbor Capital in Winona, Minnesota takes requests by phone and web form, shapes each one around the cost, and sends it to funding partners, who review it and make their own decisions. This page walks through each step and how to compare offers.
- [Winona, MN Business Funding Questions From Builders, Shops and Taverns](https://fernharborcapital.com/faq/): Answers from Fernharbor Capital in Winona, Minnesota on how funding types work and what partners look at. Funding partners make every decision on approval, amount and price.
- [About Fernharbor Capital: Funding Help for Winona, MN Plants, Builders and Taverns](https://fernharborcapital.com/about/): Fernharbor Capital works from an office in Winona, Minnesota and takes requests by phone and web form. It does not make funding decisions; funding partners review each request and set any approval, amount and price.
- [Contact Fernharbor Capital in Winona, MN About Equipment Financing](https://fernharborcapital.com/contact/): By phone or web form, Fernharbor Capital takes funding requests from businesses across Winona County, Minnesota; its office is in Winona. No email address is published.
- [Apply for Business Funding in Winona, MN: The Short Request Form](https://fernharborcapital.com/apply/): The Fernharbor Capital request form for Winona, Minnesota businesses is below. It starts a conversation; funding partners review requests and make their own decisions.
- [Disclosures for Fernharbor Capital, Winona, MN](https://fernharborcapital.com/disclosures/): Fernharbor Capital in Winona, Minnesota is a funding broker, not a lender.

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