Business Loans in Bartlett, TN for Gas Stations, Clothing Stores and the Rest of Shelby County, TN

An owner in Bartlett, TN who searches for a business lender will find banks and credit unions, online lenders, equipment finance companies and merchant cash advance providers. Eaglestone Funding Group is a different first stop: one call or one request form, after which the request goes to funding partners. The partner that reviews it sets any amount, rate, term and security and puts them in a written offer, which the owner can decline.

For a quick-service restaurant, the useful question for any of those sources is what the money buys and how sales carry the payment. A fryer line, a walk-in cooler or a point-of-sale system is equipment financing; covering payroll while a dining room is closed for equipment replacement is working capital. Shelby County, TN had 790 limited-service restaurants with paid staff in 2023 (CBP, NAICS 722513); for any of them, card deposits are one record of what the sales can carry.

The products are the same across the city: term loans for a fixed purchase, a line of credit for uneven cash weeks, inventory financing for stock, equipment financing for machines, and a merchant cash advance for card-heavy shops. The business loans overview sets them side by side.

A physician office often waits weeks for insurance claims to pay, so a line of credit can keep payroll level while claims are out, and exam-room or imaging equipment fits equipment financing. Practices of that kind are plentiful in the county, which counted 575 offices of physicians with paid staff in 2023 (CBP, NAICS 6211).

Owners without employees are part of the picture too. A sole owner with a van, a chair or a laptop practice can call the same number; Nonemployer Statistics found 102,747 businesses with no paid employees in Shelby County, TN in 2024. Inside the city, the 2020-2024 American Community Survey puts 7.6% of employed Bartlett, TN residents in self-employment (margin of error 1.2 points): 4.9% in a business they had not incorporated and 2.7% in an incorporated one.

A gas station splits its money needs between the forecourt and the store. The cooler and store fixtures are equipment, and the shelf stock inside is inventory, so one station can need two different products in the same year; dispensers, canopy and underground tank work count as property work, outside this site. Short rosters run through that trade in the county: 67.7% of the 436 gasoline stations on the 2023 County Business Patterns list for Shelby County, TN (NAICS 4471) had a staff of four or fewer.

A clothing store's needs follow its racks: stock for a new line, fixtures and fitting rooms, a point-of-sale upgrade. Inventory financing ties the money to the goods; a line of credit lets the store draw for stock and pay it down as the clothes sell. The county's clothing trade is broad as well: 408 clothing and clothing accessories stores there had paid staff in 2023 (CBP, NAICS 448). In the office ZIP alone, ZIP Code Business Patterns put 17 gasoline stations and 6 clothing and clothing accessories stores at ZIP 38134 addresses that year.

A child care center that is opening, moving or adding classrooms can check zoning, occupancy and building questions with the City of Bartlett before it asks anyone for money; the city's official website is cityofbartlett.org, and this page does not restate city rules. Whatever the city issues for the space belongs in the funding file, because a partner may ask to see it next to the budget.

• The center's signed lease, or the letter of intent, for the new classrooms
• Supplier quotes for movable classroom furniture, kitchen equipment or cribs
• Copies of any city approvals or permits issued for the address
• Enrollment counts with tuition and agency payment history
• Twelve months of the center's business bank statements

Those papers let a partner judge an expansion at any of the 229 child day care establishments with paid staff that Shelby County, TN counted in 2023 (CBP, NAICS 624410), whatever the size of the center.

Statewide, the first record a partner can check is the business entity itself. Tennessee entities are registered with the Tennessee Secretary of State, whose business services pages show the filing a request should match. Self-employment is less widespread in Bartlett, TN than across the state, and the margins of error do not close that gap:

A dental office sits in that picture as an employer with equipment-heavy rooms. Shelby County, TN counted 309 offices of dentists with paid staff in 2023 (CBP, NAICS 6212), and ZIP Code Business Patterns put 21 dental offices at ZIP 38134 addresses the same year; a chair, an imaging unit or a sterilization room for any of them is an equipment or term request.

For a dental office, the lease comes before the equipment quote. A partner can compare its term with the repayment period for movable equipment; fixed walls are excluded. A sensible order:

1. Shortlist suites with the plumbing and electrical capacity operatories need
2. Negotiate a letter of intent, including any tenant improvement allowance
3. Have the movable equipment and furnishings quoted against the final floor plan
4. Sign the lease once the term covers the planned loan
5. Call Eaglestone with the gap between the quotes and the allowance

Illustration only, invented figures: a practice's movable clinic equipment and furnishings are quoted at $150,000 and the landlord's allowance covers $40,000 for eligible items; fixed room work is excluded. Financing the remaining $110,000 over 60 months at an invented annual rate of 11% means $2,391.67 each month; across the term that is $143,500.20 in payments, $33,500.20 of it interest.

ZIP 38134 reaches well past Bartlett, TN: the city covers 26.0% of the ZIP's land, and only 14.9% of the city's own land lies inside it, with most of the rest in ZIPs 38135, 38133 and 38002. So a ZIP 38134 figure describes the ZIP, not the city. With that caution, ZIP Code Business Patterns listed 1,265 employer establishments at ZIP 38134 addresses in 2023, and 40.8% of the establishments in that ZIP had fewer than five employees.

The Eaglestone Funding Group office is at 5716 Stage Rd, Bartlett, TN 38134, phone (901) 675-9229. A visit is not needed to start: a call or the request form does the same job, and the contact page has both. Owners in Germantown, TN, Collierville, TN and other nearby places can see the nearby communities page.

Owners of Bartlett, TN companies in most fields can send a funding request, with restaurants, landscaping companies, auto repair shops and manufacturers among them. Whichever partner looks at the file has the final say on each request.

• The business's own bank statements, complete and unedited
• The business's federal return for last year, ideally with every schedule attached
• Year-to-date income and expense figures plus the latest balance sheet figures
• Government photo identification for all owners listed
• The business's formation filings, with the EIN on hand
• The purchase order for the equipment that states the model and price

Document lists are set by each partner; the list above is the common core.

1. Call (901) 675-9229 or use the online form, which asks for contact details and three ranges.
2. Your details are shared next with partners for independent review.
3. A reviewing partner looks at the details and decides on its own criteria.
4. Compare the full cost and the terms before agreeing to an offer, then decide for yourself.

Companies based in Bartlett, TN can work by phone or online from start to finish.