# Coastspring Funding Group > Coastspring Funding Group is a small-business funding broker at 116 W Mobile St, Florence, AL 35630 (phone (256) 365-0227). It helps businesses in Florence, AL; Sheffield, AL; Muscle Shoals, AL and across Lauderdale County, Alabama, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Coastspring Funding Group arranges introductions to funding partners; each partner makes its own credit decision and sets its own rates and terms. Coastspring Funding Group is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Coastspring Funding Group does not arrange personal, payday, auto title, mortgage, startup or SBA loans, does not offer grants, and does not arrange funding for trucking. Key facts: - Business type: small-business funding broker (not a lender) - Address: 116 W Mobile St, Florence, AL 35630, United States - Phone: (256) 365-0227 - Apply: https://coastspringfundinggroup.com/apply/ - Service area: Florence, AL; Sheffield, AL; Muscle Shoals, AL and all of Lauderdale County, Alabama - Language: English ## Funding options - [Florence, AL Business Loans](https://coastspringfundinggroup.com/business-loans/): Six funding types do different jobs. A term loan pays for one large cost over a fixed schedule; a line of credit covers gaps that come back; equipment and inventory financing tie the money to the thing bought; working capital bridges payroll and bills; a merchant cash advance sells future receipts. This page compares them for Lauderdale County, AL owners. - [Florence, AL Working Capital Loans](https://coastspringfundinggroup.com/business-loans/working-capital/): A working capital loan covers running costs, such as wages, rent, utilities and supplier invoices, while money owed to the business is still on its way. It is sized against the business's deposits and paid back on a fixed schedule. This page covers payroll use, how the amount is set, and how working capital compares with a line of credit. - [Term Business Loans Across Lauderdale County, AL](https://coastspringfundinggroup.com/business-loans/term-loans/): A term loan provides one sum up front and is paid back in scheduled installments over a set number of months. It suits one-time costs such as an expansion, a remodel or the purchase of an existing business. This page explains amortization, how expansion requests are read, and what to prepare. - [Business Line of Credit in Florence, AL: What Partners Review](https://coastspringfundinggroup.com/business-loans/line-of-credit/): A business line of credit gives a limit the business can draw, repay and draw again. Interest runs only on the balance drawn. It suits gaps that repeat, such as uneven receivables or stock bought ahead of a known rush. This page covers draw periods, uneven months and the records partners read. - [Small Business Inventory Loans Near Florence, AL](https://coastspringfundinggroup.com/business-loans/inventory-financing/): Inventory financing pays for stock a business buys before it sells it. The goods often secure the financing, and the partner reads how fast they turn into sales. This page explains how it works, how it compares with a line of credit, and what Lauderdale County, AL retail figures show about the stores that carry stock. - [Equipment Financing in Florence, AL](https://coastspringfundinggroup.com/equipment-financing/): Equipment financing pays for a specific item, such as a commercial oven, a vehicle lift, an HVAC service van or dental imaging, and the item usually secures the agreement. Under a loan the business owns the equipment; under a lease it pays for the use of equipment the lessor owns. This page covers the lease-or-buy decision, used equipment and what partners review. - [Merchant Cash Advance for Florence, AL Owners](https://coastspringfundinggroup.com/merchant-cash-advance/): A merchant cash advance gives a business a sum now in exchange for a larger amount of its future card or bank receipts. The provider collects a share of each day's or week's receipts until that amount is reached. It is not structured as a loan. This page explains the factor rate and holdback, how to read the cost in dollars, and when another funding type may fit better. ## Industries - [Business Loans for Florence, AL Industries, Compared](https://coastspringfundinggroup.com/industries/): Partners fund businesses across many lines of work, and the cash cycle of each one points to different funding types. This page links the fourteen industry pages for Florence, Alabama and summarizes other Lauderdale County, AL industries with their 2023 employer counts from County Business Patterns, so an owner can find the funding types to compare. - [Contractor Loans for Lauderdale County, AL Businesses in Florence, AL](https://coastspringfundinggroup.com/industries/construction/): Construction firms in Lauderdale County, AL carry costs between the bid and the final payment: materials, payroll, equipment and retainage. This page sets out the county's construction counts, explains builder financing and contractor lines of credit, and points each cost to the funding type that fits, with links to the plumbing and HVAC page. - [Retail Store Business Loans in Florence, AL: Uses, Terms and Paperwork](https://coastspringfundinggroup.com/industries/retail/): Retail trade had more employer establishments than any other sector in Lauderdale County, AL in 2023. This page sets out the county's retail counts by store type, explains which funding types fit stock, fixtures and buyouts, and links to the clothing, pharmacy and gas station pages for store types with their own notes. - [Restaurant Loans in Florence, AL, Explained](https://coastspringfundinggroup.com/industries/restaurants/): Lauderdale County, AL had 155 full-service and limited-service restaurant employers in 2023 (our sum of two NAICS codes). This page sets out those counts, then covers restaurant equipment loans, lines of credit for food and payroll, bar and restaurant requests, and buying an existing restaurant, with a worked equipment example. - [Florence, AL Medical Practice Business Loans](https://coastspringfundinggroup.com/industries/medical-practices/): There were 69 physician offices with paid staff in Lauderdale County, AL in 2023. Practices carry payroll while insurance claims are processed and plan for equipment and space. This page sets out the county's counts, then covers doctor practice loans, clinic equipment, buying a practice and the records partners read. - [Chiropractic Practice Loans in Florence, AL and Lauderdale County, AL](https://coastspringfundinggroup.com/industries/chiropractic-and-therapy-practices/): Lauderdale County, AL had 62 offices of other health practitioners with employees in 2023, a Census group that includes chiropractors, physical and occupational therapists and optometrists. More than half had fewer than five employees. This page covers their counts, equipment financing, practice purchases and the records partners read. - [Small Business Loans for Law Firms in Florence, AL, Explained](https://coastspringfundinggroup.com/industries/law-firms/): Lauderdale County, AL had 52 legal services employers in 2023, and more than two-thirds had fewer than five employees. Firms carry payroll and case costs until fees are paid. This page covers the county's counts, law firm lines of credit and working capital, partner loans for buy-ins, and how repayment fits a fee cycle. - [Insurance Agency Acquisition Loans for Growing Florence, AL Businesses](https://coastspringfundinggroup.com/industries/insurance-agencies/): Lauderdale County, AL had 50 insurance agency employers in 2023, and two-thirds had fewer than five employees. Agencies grow by writing new policies or buying another agency's book. This page covers the county's counts, how an agency purchase is financed and read, a worked book purchase, and the records partners ask for. - [Auto Repair Shop Financing for Florence, AL Businesses](https://coastspringfundinggroup.com/industries/auto-repair-shops/): Lauderdale County, AL had 50 auto repair and maintenance employers in 2023, and 113 more repair businesses without paid employees. Shops carry parts and labor before customers pay and replace costly equipment on their own schedule. This page covers the counts, mechanic and body shop loans, equipment and parts financing, and the records partners read. - [Gas Station Financing for Lauderdale County, AL Businesses in Florence, AL](https://coastspringfundinggroup.com/industries/gas-stations-and-convenience-stores/): Lauderdale County, AL had 48 gasoline station employers in 2023, more than half of them with fewer than five employees. A station's money turns quickly through fuel and store sales, while pumps, tanks and coolers are long-lived purchases. This page covers the counts, station lending and funding, buying a station and the records partners read. - [Boutique Loans in Florence, AL: What Partners Review](https://coastspringfundinggroup.com/industries/clothing-stores-and-boutiques/): Lauderdale County, AL had 47 clothing and accessories store employers in 2023, and the city's main ZIP held 43 of them. Boutiques order collections ahead of the selling period, so stock financing is central. This page covers the counts, boutique and clothing store financing, inventory loans, the boutique hotel question and the records partners read. - [Pharmacy Financing Near Florence, AL](https://coastspringfundinggroup.com/industries/pharmacies/): Lauderdale County, AL had 46 health and personal care store employers in 2023, the Census group that includes pharmacies. Pharmacies pay wholesalers for stock and wait on third-party payers. This page covers the counts, pharmacy business loans and working capital, equipment, buying a pharmacy, and the records partners read. - [Accounting Firm Financing in Florence, AL](https://coastspringfundinggroup.com/industries/accounting-firms/): Lauderdale County, AL had 35 accounting, tax preparation, bookkeeping and payroll employers in 2023, nearly two-thirds with fewer than five employees. Firms carry staff costs ahead of filing deadlines and grow by buying practices. This page covers the counts, CPA firm financing, practice acquisitions and the records partners read. - [Dental Practice Loans Across Lauderdale County, AL](https://coastspringfundinggroup.com/industries/dental-practices/): Lauderdale County, AL had 32 dental practices with employees in 2023, and 21.9% had fewer than five employees, against 52.2% of physician practices (CBP 2023). This page covers the counts, dental clinic financing, imaging and operatory equipment, practice purchases and the records partners read. - [HVAC Business Loans for Lauderdale County, AL Businesses in Florence, AL](https://coastspringfundinggroup.com/industries/plumbing-and-hvac/): Lauderdale County, AL had 31 plumbing, heating and air-conditioning contractor employers in 2023, with 420 employees, a crew size well above the county's construction average. These firms buy equipment and parts ahead of payment and run service vans. This page covers the counts, plumber and HVAC financing, equipment and commercial work, and the records partners read. ## Guides and calculators - [Business Resources for Florence, AL Owners Before Applying](https://coastspringfundinggroup.com/resources/): These guides cover filings that come up when a Florence, Alabama business asks for funding: the City of Florence, AL and Lauderdale County, AL business license, the Alabama business personal property tax return, and a line of credit payment calculator. Short notes below answer questions about Alabama payroll taxes and setup, with rules left to the offices that set them. - [City of Florence, AL and Lauderdale County, AL Business Licenses: Applying and Renewing in the Shoals](https://coastspringfundinggroup.com/resources/florence-al-and-lauderdale-county-business-license/): This guide is for owners in Florence, Alabama who need to apply for or renew a business license, and who want the license in order before a funding request. It covers which offices to ask, the difference between city and county licensing, renewal timing, the records to keep and the name-matching checks a partner makes. Rules, fees and dates belong to the issuing offices. - [Alabama Business Personal Property Tax Returns for Florence, AL Owners With Equipment](https://coastspringfundinggroup.com/resources/alabama-business-personal-property-tax-return/): Alabama businesses report taxable business personal property, such as equipment, furniture and machinery, on a return filed with the county. This guide explains what the return covers for Florence, Alabama owners, how equipment bought with financing or leased appears on it, and how to keep an asset list that serves the return and a funding request at once. Rules and dates belong to the state and county. - [Restaurant Line of Credit Calculator: Florence, AL Edition](https://coastspringfundinggroup.com/resources/restaurant-line-of-credit-calculator/): This calculator treats a line of credit draw as if it were paid down in equal monthly installments, which is one way to plan a paydown. Enter the drawn amount, the annual rate from an offer and the number of months; it returns the payment, total interest and total paid. It works for any business, not only restaurants. ## Areas served - [Business Funding in Florence, AL: Licenses, Permits and Lauderdale County, AL Figures](https://coastspringfundinggroup.com/florence-al/): Florence, Alabama is in Lauderdale County, AL, with Sheffield, AL and Muscle Shoals, AL nearby in Colbert County, AL. This page sets out Census counts for Lauderdale County, AL and the city's main postal ZIP, notes on zoning, building permits and licenses to settle before a funding request, and links to the industry pages and Alabama guides. - [Towns Around Florence, AL We Serve With Business Funding](https://coastspringfundinggroup.com/service-areas/): Coastspring Funding Group takes requests by phone and form from Florence, Alabama and the towns around it. Sheffield, AL and Muscle Shoals, AL have their own pages with ZIP-level Census counts. This page lists the other nearby towns and gathers questions owners ask about business licenses in Alabama. - [Business Funding for Sheffield, AL Shops, Offices and Contractors](https://coastspringfundinggroup.com/service-areas/sheffield-al/): Sheffield, Alabama is a Colbert County, AL city near Florence, AL. ZIP 35660, which carries the city's name, counted 225 employer establishments in 2023. This page covers those counts, city license and Alabama LLC questions to settle before a funding request, and which funding types fit common Sheffield, AL costs. - [Equipment Financing and Business Loans in Muscle Shoals, AL](https://coastspringfundinggroup.com/service-areas/muscle-shoals-al/): Muscle Shoals, Alabama is a Colbert County, AL city near Florence, AL. ZIP 35661, which carries its name, had 560 employer establishments in 2023, though the city covers only part of that ZIP. This page covers those counts, license and registration questions, buying a business and the funding types that fit. ## Company - [Small Business Loans in Florence, AL by Phone or Online Request](https://coastspringfundinggroup.com/): Coastspring Funding Group, listed in Florence, Alabama, sorts small-business funding requests by cost and timing. It takes requests by phone and online form, sorts each one by the cost it has to cover and the timing of the money coming back, and matches it with funding partners, who review the request and decide on approval, amount and terms. - [How to Get a Business Loan in Florence, AL Without Guesswork](https://coastspringfundinggroup.com/how-it-works/): A Coastspring request moves in four steps: a first conversation about the cost and the timing, a short list of funding types, partner review once you agree, and your decision on any offer. This page covers each step, the documents partners may name, what bank statements show, and how credit scores fit in. - [Business Funding FAQ: Florence, AL](https://coastspringfundinggroup.com/faq/): Answers to questions about business funding in Florence, Alabama: whether a loan can be paid off early, whether an owner can pay themselves from a loan, how LLCs borrow, whether equipment financing is a loan, which documents partners name, and how long approval takes. - [About Coastspring Funding Group and Business Funding in Florence, AL](https://coastspringfundinggroup.com/about/): Based in Florence, Alabama, Coastspring Funding Group shapes small-business funding requests for owners across the Shoals. It takes requests by phone and online form from owners in Lauderdale County, AL and the Shoals, explains how six funding types differ, and matches each request with funding partners who review it and make their own decisions. - [Contact Coastspring Funding Group: Business Funding Questions in Florence, AL](https://coastspringfundinggroup.com/contact/): Coastspring Funding Group takes requests by phone at (256) 365-0227 and through the online request form, from Florence, Alabama and the surrounding Shoals. This page covers what to have ready, how requests to buy an existing business are handled, and how LLCs send requests. - [Apply for a Small Business Loan in Florence, AL](https://coastspringfundinggroup.com/apply/): The Coastspring request form asks for full name, phone, email, company name if there is one, and three range answers: time in business, annual revenue and the amount requested, plus consent. A phone call follows to talk about the cost and the timing. Documents come later, and only those a partner names. - [Coastspring Funding Group, Florence, AL: Disclosures](https://coastspringfundinggroup.com/disclosures/): Coastspring Funding Group acts as a small-business funding broker and is not a lender. It does not make credit decisions or set rates or terms. Funding partners review requests and decide. A merchant cash advance is a purchase of future receivables and is not a loan. Counsel-reviewed wording follows below. ## Optional - [Full text of every page](https://coastspringfundinggroup.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://coastspringfundinggroup.com/sitemap.xml)