# Roseland Finance > Roseland Finance is a small-business funding broker at 45 N Main St, Mansfield, OH 44902 (phone (419) 556-4536). It helps businesses in Mansfield, OH; Bellville, OH; Shelby, OH; Crestline, OH; Ashland, OH; Galion, OH; Loudonville, OH and across Richland County, Ohio, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Roseland Finance connects you with lending partners; partners make credit decisions and set rates and terms. Roseland Finance is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Roseland Finance does not arrange personal, payday, auto title, mortgage or commercial real estate purchase loans, offers no grants, is not an SBA lender, does not take agriculture or trucking requests, and is located in Mansfield, Ohio (not Mansfield, Texas, Massachusetts or Pennsylvania). Key facts: - Business type: small-business funding broker (not a lender) - Address: 45 N Main St, Mansfield, OH 44902, United States - Phone: (419) 556-4536 - Apply: https://roselandfinance.com/apply/ - Service area: Mansfield, OH; Bellville, OH; Shelby, OH; Crestline, OH; Ashland, OH; Galion, OH; Loudonville, OH and all of Richland County, Ohio - Language: English ## Funding options - [How Mansfield, OH Owners Use Business Funding Options](https://roselandfinance.com/business-loans/): Roseland Finance, serving businesses in Mansfield, OH, compares six funding types by the job they do: working capital for payroll gaps, term loans for expansion or acquisitions, lines of credit for uneven months, inventory financing for stock, equipment financing for machines and vehicles, and merchant cash advances, which are not loans. Every rate and term comes from a partner. - [How Mansfield, OH Owners Use Working Capital Loans](https://roselandfinance.com/business-loans/working-capital/): Roseland Finance helps Mansfield, OH businesses request working capital: short-horizon funding for payroll, supplier bills and the weeks before customers, insurers or general contractors pay. Partners review bank deposits, time in business and how the money will be used, then set any rate and term. It is not meant for long-life assets or losses that keep repeating. - [How Mansfield, OH Owners Use Business Term Loans](https://roselandfinance.com/business-loans/term-loans/): Roseland Finance helps Mansfield, OH owners request business term loans: one sum for a defined project, repaid in set installments. Uses include an expansion or second location, buying an existing business and buying out a partner's share. Partners review the business's history, the project and the seller's records where relevant, then set any rate and term. - [How Mansfield, OH Owners Use Business Lines of Credit](https://roselandfinance.com/business-loans/line-of-credit/): Roseland Finance helps Mansfield, OH businesses request lines of credit: a limit you draw on when receipts dip, repay as they recover, and draw on again. Interest generally runs only on the balance drawn. Partners review deposits, account history and existing debt before setting a limit, rate and terms; Roseland explains each offer before you decide. - [How Mansfield, OH Owners Use Inventory Financing](https://roselandfinance.com/business-loans/inventory-financing/): Roseland Finance helps Mansfield, OH retailers, grocers, gas stations and parts-heavy businesses request inventory financing: funding tied to stock bought before it sells, repaid as the goods turn into sales. Partners review sales history, how fast stock turns and supplier terms, then set any rate and term. Retail led every Richland County, OH sector in 2023 with 382 employer establishments. - [How Mansfield, OH Owners Use Equipment Financing and Leasing](https://roselandfinance.com/equipment-financing/): Roseland Finance helps Mansfield, OH businesses request equipment financing and leases for new or used machines, vehicles and fit-out equipment. The equipment anchors the request, so partners weigh its age, value and working life alongside the business's records, then set any rate and term. Manufacturing carried the largest payroll of any Richland County, OH sector in 2023. - [How Mansfield, OH Owners Use Merchant Cash Advances](https://roselandfinance.com/merchant-cash-advance/): Roseland Finance helps Mansfield, OH businesses with steady card or bank receipts request merchant cash advances. An advance is not a loan: a provider buys a share of future receipts and collects an agreed percentage of sales until the purchased amount is remitted. Cost is set by a factor rate, so compare the total against loan options first. ## Industries - [Business Funding by Industry in Mansfield, OH](https://roselandfinance.com/industries/): Roseland Finance arranges business funding requests for companies across most industries in Mansfield, OH and Richland County, OH. Fourteen industries have their own pages with county Census figures; others are summarized here with a funding type that can fit their cash cycle. Partners consider businesses across most industries, though not agriculture or trucking requests through Roseland. - [Business Funding for Contractors and Builders in Mansfield, OH](https://roselandfinance.com/industries/construction/): Roseland Finance helps contractors and builders in Mansfield, OH and Richland County, OH request funding for crew payroll between draws, retainage gaps, materials and equipment. Partners review job history, bank deposits and the equipment itself, then set any rate and term. Richland County, OH had 248 construction employer establishments in 2023, and 65.3% had fewer than five employees. - [Restaurant and Cafe Funding in Mansfield, OH](https://roselandfinance.com/industries/restaurants/): Roseland Finance helps restaurants, cafes and coffee shops in Mansfield, OH request funding for kitchen equipment, remodels, second locations and short cash gaps. Partners review card and bank deposits, the equipment and the project, then set any rate and term. Richland County, OH had 192 restaurants and other eating places with employees in 2023, employing about 4,448 people. - [Medical Practice Loans and Equipment Funding in Mansfield, OH](https://roselandfinance.com/industries/medical-practices/): Roseland Finance helps physician practices and clinics in Mansfield, OH request working capital for insurance reimbursement gaps, equipment financing for imaging and clinical equipment, and term loans for buy-ins and expansions. Partners review deposits, payer mix and the equipment, then decide. Richland County, OH had 76 offices of physicians with employees in 2023. - [Business Funding for Dental Practices in Mansfield, OH](https://roselandfinance.com/industries/dental-practices/): Roseland Finance helps dental practices in Mansfield, OH request equipment financing for chairs, imaging and sterilization, term loans for acquisitions and build-outs, and working capital between insurer payments. Partners review collections, the equipment and the practice's records, then decide. Richland County, OH had 40 offices of dentists with employees in 2023, employing about 293 people. - [Funding for Chiropractors, Therapists and Optometrists in Mansfield, OH](https://roselandfinance.com/industries/chiropractic-therapy-practices/): Roseland Finance helps chiropractic, physical therapy and optometry practices in Mansfield, OH request equipment financing for tables, therapy and exam equipment, working capital for insurance timing, and lines of credit. Partners review deposits, payer mix and equipment quotes, then decide. Richland County, OH had 53 offices of other health practitioners with employees in 2023, and 66.0% had fewer than five employees. - [Business Funding for Auto Repair Shops in Mansfield, OH](https://roselandfinance.com/industries/auto-repair/): Roseland Finance helps auto repair and maintenance shops in Mansfield, OH request equipment financing for lifts and diagnostic tools, inventory financing for parts, and working capital for slow weeks or bay expansions. Partners review deposits, the equipment and the shop's history, then decide. Richland County, OH had 67 auto repair employer establishments in 2023; 14 had a ZIP 44902 address. - [Business Funding for Retail Stores in Mansfield, OH](https://roselandfinance.com/industries/retail/): Roseland Finance helps retail stores in Mansfield, OH, from boutiques to hardware stores, request inventory financing, lines of credit and working capital for stock, fixtures and point-of-sale upgrades. Partners review sales history, turnover and supplier orders, then decide. Retail trade had 382 employer establishments in Richland County, OH in 2023, more than any other sector. - [Business Funding for Grocery and Specialty Food Stores in Mansfield, OH](https://roselandfinance.com/industries/grocery-stores/): Roseland Finance helps grocery and specialty food stores in Mansfield, OH request inventory financing, refrigeration and equipment financing, and working capital. Partners review sales, turnover, supplier terms and equipment quotes, then decide. Richland County, OH had 34 grocery stores with employees in 2023, employing about 757 people, and 52.9% had fewer than five employees. - [Funding for Gas Stations and Convenience Stores in Mansfield, OH](https://roselandfinance.com/industries/gas-stations-convenience-stores/): Roseland Finance helps gas stations and convenience stores in Mansfield, OH request inventory financing for fuel and store stock, equipment financing for coolers and dispensers, and term loans to buy a station. Partners review sales, fuel volume records and the purchase details, then decide. Richland County, OH had 39 gasoline stations with employees in 2023, employing about 527 people. - [Business Funding for Salons and Barbershops in Mansfield, OH](https://roselandfinance.com/industries/salons-barbershops/): Roseland Finance helps beauty salons, nail salons and barbershops in Mansfield, OH request equipment financing for chairs and stations, working capital for build-outs and slow stretches, and term loans to buy a salon. Partners review deposits, the business model and quotes, then decide. Richland County, OH had 30 beauty salons with employees in 2023 (County Business Patterns). - [Business Funding for Law Firms in Mansfield, OH](https://roselandfinance.com/industries/law-firms/): Roseland Finance helps law firms in Mansfield, OH request lines of credit and working capital for payroll and case costs between fee payments, and term loans for office build-outs and partner buy-ins. Partners review deposits, receivables and the firm's history, then decide. Richland County, OH had 51 legal services employer establishments in 2023, and 31 had a ZIP 44902 address. - [Business Funding for Accounting and Bookkeeping Firms in Mansfield, OH](https://roselandfinance.com/industries/accounting-firms/): Roseland Finance helps accounting, tax preparation, bookkeeping and payroll firms in Mansfield, OH request term loans to buy a practice or a book of clients and lines of credit for uneven fee timing. Partners review recurring fees, client retention and the firm's records, then decide. Richland County, OH had 34 such employer establishments in 2023, and 61.8% had fewer than five employees. - [Business Funding for Machine Shops and Metal Fabricators in Mansfield, OH](https://roselandfinance.com/industries/machine-shops-fabrication/): Roseland Finance helps machine shops and metal fabricators in Mansfield, OH request equipment financing for CNC machines, press brakes and welders, lines of credit for raw material and customer payment terms, and inventory financing. Partners review equipment quotes, contracts and deposits, then decide. Richland County, OH had 51 fabricated metal product manufacturers with employees in 2023, employing about 1,045 people. - [Business Funding for Landscaping and Lawn Care Companies in Mansfield, OH](https://roselandfinance.com/industries/landscaping/): Roseland Finance helps landscaping and lawn care companies in Mansfield, OH request equipment financing for mowers, trucks and trailers, lines of credit for the months when costs run ahead of invoices, and working capital. Partners review equipment quotes, deposits and contracts, then decide. Richland County, OH had 49 landscaping employer establishments in 2023, and 77.6% had fewer than five employees. ## Guides and calculators - [Mansfield, OH Business Funding Guides and Tools](https://roselandfinance.com/resources/): Roseland Finance publishes these guides for business owners in Mansfield, OH and Richland County, OH: a first-hire employer checklist, a zoning and building permits checklist for leases and build-outs, a directory of local resources, and a calculator that estimates payments on a loan to buy a business. Rules and fees are left to the agencies and your advisors. - [Ohio BWC Employer Coverage: A First-Hire Checklist for Mansfield, OH Owners](https://roselandfinance.com/resources/ohio-bwc-employer-coverage-checklist/): Roseland Finance wrote this checklist for Mansfield, OH owners about to hire their first employee. It lists the employer accounts and coverage questions to settle with the agencies and an accountant, how to plan payroll cash before the first paycheck, and what funding partners later look for in payroll records. It does not state Ohio rules; those come from the agencies. - [Mansfield, OH Zoning and Building Permits: A Checklist Before You Lease or Build](https://roselandfinance.com/resources/mansfield-oh-zoning-and-building-permits/): Roseland Finance put together this checklist for Mansfield, OH owners about to lease, buy or build out a space. It explains why a Mansfield mailing address does not prove a property is inside city limits, which questions to settle with the city's zoning and building offices, and how permit timing affects a term loan or equipment request. - [Richland County, OH Small Business Resources for Mansfield, OH Owners](https://roselandfinance.com/resources/richland-county-small-business-resources/): Roseland Finance compiled this directory for business owners in Mansfield, OH and Richland County, OH. It lists the official city and county websites verified for this guide, explains how to find the chamber, economic development and small business advising contacts, and gives a short preparation checklist for each. None of them is affiliated with Roseland. - [Business Acquisition Loan Calculator for Mansfield, OH Owners](https://roselandfinance.com/resources/business-acquisition-loan-calculator/): Roseland Finance offers this calculator to Mansfield, OH owners pricing the purchase of a business. It computes three things from the amount, rate and term you enter: the monthly payment, the total interest and the total repaid. Working out the amount to borrow, after your cash and any seller note, is a by-hand step explained on this page. ## Areas served - [Business Funding in Mansfield, Ohio: Local Data and Next Steps](https://roselandfinance.com/mansfield-oh/): Roseland Finance arranges small-business funding requests for companies in Mansfield, OH and the rest of Richland County, OH. This page collects the county's Census business figures, the ZIP 44902 sector mix and what they mean for owners weighing working capital, equipment or a term loan. Requests run by phone at (419) 556-4536 or online. - [Areas We Serve Around Mansfield, OH](https://roselandfinance.com/service-areas/): Roseland Finance takes small-business funding requests from Mansfield, OH and the towns around it, by phone and online. Six towns get full pages built on ZIP-level Census data; the rest are covered in short notes below. ZIP figures describe the postal ZIP area, which is much larger than the town itself for each town below, so each is labeled by ZIP. - [Business Funding for Bellville, OH Businesses](https://roselandfinance.com/service-areas/bellville-oh/): Roseland Finance takes small-business funding requests from Bellville, OH, about 10 miles south of Mansfield, OH in Richland County, OH. ZIP 44813, Bellville's postal ZIP, had 142 employer establishments in 2023, and construction was the largest sector by count. Owners can request working capital, equipment financing and other options by phone or online. - [Business Funding for Shelby, OH Businesses](https://roselandfinance.com/service-areas/shelby-oh/): Roseland Finance takes small-business funding requests from Shelby, OH, about 11 miles northwest of Mansfield, OH in Richland County, OH. ZIP 44875 had 225 employer establishments and about 4,022 employees in 2023, a higher average employer size than most community ZIPs on this site. Requests for working capital, equipment and term loans run by phone or online. - [Business Funding for Crestline, OH Businesses](https://roselandfinance.com/service-areas/crestline-oh/): Roseland Finance takes small-business funding requests from Crestline, OH, about 12 miles west of Mansfield, OH, a village that spans Crawford County, OH and Richland County, OH. ZIP 44827 had 115 employer establishments in 2023, and 61.7% had fewer than five employees, the highest small-employer share among the community ZIPs on this site. - [Business Funding for Ashland, OH Businesses](https://roselandfinance.com/service-areas/ashland-oh/): Roseland Finance takes small-business funding requests from Ashland, OH, about 13 miles northeast of Mansfield, OH in Ashland County, OH. ZIP 44805 had 706 employer establishments and about 14,720 employees in 2023, the largest base among the community ZIPs on this site. Owners can request working capital, equipment financing or term loans by phone or online. - [Business Funding for Galion, OH Businesses](https://roselandfinance.com/service-areas/galion-oh/): Roseland Finance takes small-business funding requests from Galion, OH, about 14 miles west of Mansfield, OH. The city spans parts of Crawford County, OH, Morrow County, OH and Richland County, OH. Retail trade led ZIP 44833's 270 employer establishments in 2023. Requests for inventory, working capital or equipment funding run by phone or online. - [Business Funding for Loudonville, OH Businesses](https://roselandfinance.com/service-areas/loudonville-oh/): Roseland Finance takes small-business funding requests from Loudonville, OH, about 17 miles east-southeast of Mansfield, OH, in Ashland County, OH and Holmes County, OH. ZIP 44842 had 141 employer establishments in 2023, with retail trade and health care leading. Owners can request inventory, working capital or equipment funding by phone or online. ## Company - [Mansfield, OH Business Funding: Working Capital, Lines of Credit, Equipment and Term Loans](https://roselandfinance.com/): Roseland Finance helps small businesses in Mansfield, OH and across Richland County, OH request working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. You describe the expense by phone or through one online form; funding partners review the request and decide, and you compare any offers before signing. - [How a Business Funding Request Works in Mansfield, OH](https://roselandfinance.com/how-it-works/): Roseland Finance, which arranges small-business funding for owners in Mansfield, OH, works in four steps: a call or form describing the expense, a prepared request with the records partners commonly review, independent partner decisions, and a side-by-side comparison of any offers. Roseland matches each request with funding partners, who review it and make their own decision. - [Business Funding Questions From Mansfield, OH Owners](https://roselandfinance.com/faq/): Roseland Finance answers the questions Mansfield, OH owners raise before requesting business funding: how long approval takes, what credit score partners look for, which documents to gather, how underwriting works and how merchant cash advances differ from loans. Partners make every decision and set every rate and term, so answers describe patterns rather than promises. - [About Roseland Finance, Mansfield, OH](https://roselandfinance.com/about/): Roseland Finance prepares small-business funding requests from a Mansfield, OH base. It helps owners in Richland County, OH and nearby towns request working capital, term loans, lines of credit, inventory and equipment financing and merchant cash advances. Roseland matches each request with funding partners who review it and make their own decision; it does not set rates or terms. - [Contact Roseland Finance in Mansfield, OH](https://roselandfinance.com/contact/): Roseland Finance takes business funding requests from Mansfield, OH and nearby towns by phone at (419) 556-4536 and through the online request form. The listed address is 45 N Main St, Mansfield, OH 44902. Describe the expense, the timing and your type of business; Roseland follows up and explains which funding types fit. - [Request Business Funding Options in Mansfield, OH](https://roselandfinance.com/apply/): Roseland Finance takes funding requests from Mansfield, OH businesses through this form or by phone at (419) 556-4536. The form asks for contact details, company name and three picks: time in business, annual revenue range and requested amount. Roseland then asks about the purpose, gathers documents partners commonly review and sends the request on; partners decide. - [Disclosures: Roseland Finance, Mansfield, OH](https://roselandfinance.com/disclosures/): Roseland Finance, based in Mansfield, OH, prepares small-business funding requests and matches them with funding partners, who review each request and make their own decision, including every rate and term. A merchant cash advance is not a loan. Roseland does not promise approval, amounts, rates or timing. ## Optional - [Full text of every page](https://roselandfinance.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://roselandfinance.com/sitemap.xml)