Call Redpark Lenders at (662) 445-7556 or send the request form, and the partners reviewing it each decide on their own whether to offer funding.
A Columbus, MS store can carry stock on inventory financing or a line of credit, finance fixtures, display cases and POS equipment, and compare a merchant cash advance against its card sales. The store building, and construction inside it, sit outside what Redpark Lenders arranges.
At a glance
- Retail trade, Lowndes County, MS
274 employer establishments, 3,187 paid employees (CBP 2023, NAICS 44-45)
- Retail establishments below five employees
117, or 42.7% (CBP 2023)
- Retail establishments at ZIP 39701 addresses
69, with 43.5% under five employees (ZBP 2023)
- Retail businesses with no paid employees, Lowndes County, MS
381 (Nonemployer Statistics 2024)
Retail business loans in Columbus, MS: floor models, delivery vans and showroom fixtures
Retail business loans cover two kinds of spending in a store. Showroom fixtures and display platforms are equipment, priced from a quote through equipment financing; goods that sell and get reordered are inventory.
Floor models sit between the two. They are stock that stays on the sales floor, so a partner can treat them as inventory financing, with the balance paid down as each model sells and is replaced.
A furniture showroom pricing a new run of floor models is one of the 8 furniture and home furnishings stores with paid employees that County Business Patterns placed in Lowndes County, MS for 2023 (NAICS 442); four of those eight had fewer than five employees.
Retail financing companies in Columbus, MS: card-sales dips, supplier terms and new fixtures
Retail financing companies come in several kinds: banks and credit unions, equipment lessors, inventory lenders and merchant cash advance providers. A store can reach the funding partners behind Redpark Lenders through one request, by phone or the form, and each partner reviews it and decides for itself.
- Card-sales dips: a line of credit drawn in slower weeks and paid down once sales recover.
- Supplier terms: when a vendor's payment date comes before the goods sell through, inventory financing or a line carries the gap.
- New fixtures: gondola shelving, glass-door merchandisers and checkout counters, financed as equipment.
- Steady card volume: a merchant cash advance, which is not a loan, collected as a share of card settlements.
Comparing offers means looking past the monthly figure to the total cost, any fees, the term and what each partner takes as collateral.
Business loan for boutique in Columbus, MS: clothing racks, mannequins and stock reorders
A boutique's spending splits cleanly. Clothing racks, mannequins, fitting-room mirrors and a jewelry case are fixtures and equipment; reordering a line that sold out is inventory, which a small shop can fund from a line and pay back as the pieces sell.
Boutiques fall under clothing and clothing accessories stores (NAICS 448) in the Census codes. County Business Patterns put 30 of those stores in Lowndes County, MS for 2023, with 288 people on payroll and 11 stores below five employees.
Twelve clothing store establishments carried a ZIP 39701 address in 2023, by the ZBP count. Nonemployer Statistics for 2024 count 86 clothing, clothing accessories, shoe and jewelry retailers in Lowndes County, MS with no paid employees (NAICS 458, a wider code than NAICS 448).
Retail store financing in Columbus, MS: point-of-sale upgrades, signage and lease deposits
Point-of-sale upgrades are equipment: terminals, scanners, receipt and label printers, and the inventory software that ties sales to stock counts. A store sign from a sign maker can be priced the same way; changes to the storefront it hangs on are building work outside this site.
A security deposit and the first month's rent on a lease are cash costs, not equipment, so they belong with a working capital loan or a line. Lease terms are settled between the store and its landlord, not through this site.
The Columbus, MS page covers what a lease brings into a funding review and links the city website for license questions.
Retail store loans for Lowndes County, MS: display cases, signage and stock buys
A stock buy is the clearest case for inventory financing: the goods secure the money, and the balance falls as they sell. Display cases and back-room racks, by contrast, stay in the store for years and fit equipment terms.
Illustration only, invented figures: a hardware store takes a supplier offer on a $30,000 order at a better unit price and finances it over 6 months at a 12% annual rate. Each monthly installment is $5,176.45; the six of them total $31,058.70, and $1,058.70 of that is the price of carrying the stock until it sells.
| Retail code (NAICS) | County establishments | Under five employees | ZIP 39701 establishments |
|---|---|---|---|
| Building material and garden equipment and supplies dealers, which include hardware stores (444) | 23 | 9 | 10 |
| Clothing and clothing accessories stores (448) | 30 | 11 | 12 |
| Grocery and convenience stores (4451) | 21 | 8 | 8 |
| Health and personal care stores, where pharmacies are counted (4461) | 35 | 17 | 9 |
Across all of retail, County Business Patterns counted 3,187 paid employees at 274 employer establishments in Lowndes County, MS in the pay period that included March 12, 2023 (NAICS 44-45). Nonemployer Statistics for 2024 list 381 retail businesses in the county with no paid employees. Restaurants, stations and pharmacies each have a section on the industries page.
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