Business Loan Application for Bartlett, TN Physician Offices and Gas Stations

To apply through Eaglestone, a clothing store needs only what the short form asks: a contact name, phone number, email, the company name, time in business, annual revenue and the amount requested, plus a consent box for calls and texts about the request. No upload, no tax return and no bank statement goes with the form.

• A clear purpose for the money, such as a stock order, new fixtures or a point-of-sale system.
• A sense of monthly sales, card and cash, from the store's own reports.
• The current balances and payments on any loans, cards or advances.
• The storefront lease terms, if the money goes into the space.
• The owner's personal credit picture, since a partner can review it.
• A vendor quote, if the request is for fixtures or equipment.

Those extras are for the partner's follow-up, not the form. Having them ready keeps the review moving once a partner asks.

1. Decide what the money is for: new coolers, movable store fixtures, inventory for the shelves inside, or working capital.
2. Give Eaglestone the amount, years open and yearly revenue, either by calling (901) 675-9229 or on the request form on this page.
3. Eaglestone Funding Group sends the station's figures on to funding partners.
4. A partner contacts the station for records, such as statements, fuel and merchandise sales reports and returns, and reviews them.
5. The station reads the written offer, if one is made, and accepts it or declines.

A station run by its owner and a few clerks is no outlier: 295 Shelby County, TN gasoline stations with paid employees had fewer than five on staff in 2023 (CBP, NAICS 4471). In a station that small the owner can end up doing the paperwork too, so step four is worth blocking out an hour for.

A bank, or any other funding partner, can weigh a dental office on a short list of points. None of them is a formula, and each partner sets its own standards.

• Cash flow: deposits from patients and insurers against payroll, rent, supplies and existing debt.
• Time in business and time under the current dentist owner.
• Credit for the practice and for each owner who signs.
• Existing debt, including equipment loans and any practice acquisition note.
• Security: the equipment being financed, or a personal guarantee.
• The purpose: an imaging unit, chairs, movable clinic furniture or payroll.
• Projections, when the money pays for a new operatory or an added associate.

Small practices are common here: our arithmetic puts 37.5% of Shelby County, TN offices of dentists under five employees in 2023, 116 of 309 (CBP, NAICS 6212). A small practice with a clean deposit history can answer the cash-flow, time-in-business and existing-debt points from its own bank and tax records.

Documents come after the form, when a partner asks. For a child care center in Bartlett, TN, a partner's list can include:

• Business bank statements for recent months, showing tuition and agency deposits.
• Business tax returns for the last two years, and the owner's personal returns.
• This year's profit and loss statement for the center, with a balance sheet dated the same month.
• A debt schedule listing each loan or lease on the center, with its monthly payment.
• The building lease or deed for the center's location.
• A copy of the center's current license.

Physician offices bring a similar set, adding a claims aging report so a partner can see insurance money already earned but not yet paid. For questions on credit, collateral and time in business, see the business loan FAQ, and the process page walks through each stage of the review.