Capital

Capital is a separate room.

Wick Enterprises does not fund. We do not lend. We do not sell a loan product. When the file is real, the conversation moves to Great Lakes Capital Desk.

The handoff

Chadwick Twillman runs Wick, and he also runs Great Lakes Capital Desk, a Wilshire Financial Group franchise office. That desk is a funding consultant. It is not a lender. It is not a bank. It is not a Wick invoice.

Compensation at the desk is paid when a partnered program is executed and closed. Programs are subject to underwriting, documentation, and approval. No funding, terms, or timing are guaranteed.

Track A

Generally three or more years in business, and someone on the file around a 720 credit score. Still underwritten. Still documented. Still not a promise.

Track B

A disclosed credit partner or aged corporation when age or credit is the blocker. Credit partners and aged entities, when used, must be disclosed. If you will not discuss credit honestly, this is not a fit.

Industries we see

Manufacturing
Auto supply and machine shops
Construction and trades
Trucking and logistics
Medical and dental
Wholesale and distribution
Multi-location services

Michigan first. Same owner profile in all 50 states.

Not for

Consumer debt
Payday energy
Guaranteed-approval shoppers
Files that will not discuss credit honestly

Disclosure

Wick Enterprises does not lend money, guarantee funding, or sell loan products. Funding conversations are referred to Great Lakes Capital Desk, a Wilshire Financial Group franchise office operated by Chadwick Twillman. The desk is a funding consultant. It is not a lender and not a bank. Compensation is paid when a partnered program is executed and closed. Track A generally means three or more years in business and someone on the file around a 720 credit score. Track B is a disclosed credit partner or aged corporation when age or credit is the blocker. Credit partners and aged entities, when used, must be disclosed. All programs are subject to underwriting, documentation, and approval. No funding, terms, or timing are guaranteed. Consumer debt, payday-style inquiries, and guaranteed-approval shoppers are not a fit.

Full legal copy also lives on Disclaimer.

Capital questions

Does Wick fund businesses?

No. Wick Enterprises is a studio. We do not lend, broker consumer loans, or guarantee capital. If the file is real, we hand it to Great Lakes Capital Desk.

What is Great Lakes Capital Desk?

A Wilshire Financial Group franchise office run by Chadwick Twillman. Funding consultant. Not a lender. Not a bank. Paid when a partnered program is executed and closed.

What is Track A?

Generally three or more years in business and someone on the file around a 720 credit score. Still subject to underwriting, documentation, and approval.

What is Track B?

A disclosed credit partner or aged corporation when age or credit is the blocker. Credit partners and aged entities, when used, must be disclosed. This is not a workaround you hide.

Who is not a fit?

Consumer debt. Payday energy. Guaranteed-approval shoppers. Files that will not discuss credit honestly. If that is the ask, we will say no on the call.