Talk With Eaglestone Funding Group About Financing a Bartlett, TN Gas Station or Clothing Store

A child care center taking on debt is committing tuition and agency income it has not received yet. These questions help a director see the whole cost and the whole schedule before signing anything.

• What is the total payback, in dollars, over the full term?
• Is the payment monthly, weekly or daily, and which account does it come out of?
• If the center clears the balance ahead of schedule, does the total owed actually shrink?
• Does the owner have to sign a personal guarantee, and is any property pledged?
• If enrollment drops for a few weeks, who at the partner can the center call about the payment?

A center can ask these on the first call with Eaglestone and again, in writing, once a partner's offer arrives.

For a gas station, the payment schedule and the security on a loan matter as much as the rate, because card settlements arrive daily and much of the site is fixed to the ground. Before accepting an offer for store coolers and fixtures or for the stock inside, a station owner can ask:

• Is the payment a fixed amount, or a share of daily card settlements?
• Which equipment secures the deal, and does the lien cover only the new equipment or everything on site?
• If the station leases the land, does the partner need the landlord's consent?
• Can the term be matched to the expected life of the coolers?
• What happens to the offer if fuel volume falls for a stretch?

A station is one of 436 gasoline stations with paid employees that Shelby County, TN counted in 2023 (CBP, NAICS 4471), yet the answers it gets rest on its own numbers. Bringing recent settlement reports to the call saves a round trip.

Questions for the lender itself are about process, not price: who reviews the file, what they need and how they decide. A center can put these to any partner reviewing its request.

• Which records do you need, and in what form: statements, returns, enrollment reports?
• Do you check credit, for the center, for the owner, or both, and is it a soft or hard inquiry?
• Who is the contact person during your review?
• Will every cost be listed in the written offer, including any charge taken from the funded amount?
• Does your offer need the landlord or a co-owner to sign anything?

A partner may check credit during its review; the Eaglestone form itself is a request to talk, not a credit application. That is why the second question on the list is worth asking early.

A clothing store owner can cover the essentials in one call with Eaglestone if a few figures are at hand. None of this has to be sent ahead; it helps the conversation move.

• The amount needed and what it buys: new stock, fixtures, a point-of-sale upgrade or payroll.
• How long the store has been open, and how long under the current owner.
• Last year's total sales, or the year to date for a newer store.
• Average monthly card sales, since card deposits show a store's cash flow plainly.
• Current loans or advances, with their monthly or daily payments.
• Whether the store leases its space, and when the lease runs out.

With those figures in hand, the next step can be the request page or a partner's own list of records.

The phone line is (901) 675-9229. A call is the way to talk a need through before deciding on an amount; the short form on the request page suits an owner who already knows the amount. The form asks for a name, phone number, email, company name, time in business, annual revenue and the requested amount, and it takes no attachments.

The office address is 5716 Stage Rd, Bartlett, TN 38134. Business owners in Germantown, TN, Collierville, TN, Arlington, TN, Millington, TN and other Shelby County, TN communities can reach the office the same ways. For background on the Bartlett, TN business setting, see about Eaglestone Funding Group or the Bartlett, TN business loans page.