# Redpark Lenders > Redpark Lenders is a small-business funding broker at 112 4th St S, Columbus, MS 39701 (phone (662) 445-7556). It helps businesses in Columbus, MS and across Lowndes County, Mississippi, explore working capital loans, business term loans, business lines of credit, inventory financing, equipment financing and merchant cash advances. Redpark Lenders is a broker, not a lender: a funding request goes to funding partners, and each partner runs its own review and makes its own decision. Redpark Lenders is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Redpark Lenders does not arrange funding for trucking, agriculture, real estate purchases or building construction loans, personal or consumer loans, or startups with no revenue yet. Key facts: - Business type: small-business funding broker (not a lender) - Address: 112 4th St S, Columbus, MS 39701, United States - Phone: (662) 445-7556 - Apply: https://redparklenders.com/apply/ - Places: Columbus, MS and all of Lowndes County, Mississippi - Language: English ## Funding options - [Types of Business Loans for Columbus, MS Medical Practices and Pharmacies](https://redparklenders.com/business-loans/): Six funding types, each matched to a kind of cost: term loans for one-time purchases, working capital and lines of credit for cash gaps, inventory and equipment financing for named goods, and merchant cash advances collected from card sales. - [Working Capital Loans in Columbus, MS While Pharmacies Wait on Customer Payments](https://redparklenders.com/business-loans/working-capital/): A working capital loan is a lump sum for running costs, paid back in fixed installments over months rather than years. It is meant for the stretch between paying staff or a wholesaler and collecting from insurers or customers. A funding partner decides the size of the loan and how it is paid back. - [Business Term Loans for Columbus, MS Pharmacies Buying, Equipping or Expanding](https://redparklenders.com/business-loans/term-loans/): A term loan is one payout returned in equal installments over a set number of months. It fits a one-time cost that the business will use for years, such as buying an existing practice or equipping another location. A funding partner sets the amount, rate and term. - [Business Lines of Credit for Columbus, MS Restaurants: Draw Only What You Use](https://redparklenders.com/business-loans/line-of-credit/): With a business line of credit, a Columbus, MS restaurant or practice holds an approved ceiling and takes money from it only when a bill is due. Interest builds on the outstanding balance alone, and repaid principal can be drawn again. The ceiling, the rate and when the line is reviewed are up to the funding partner. - [Inventory Financing in Columbus, MS for Pharmacies, Gas Stations and Stores Stocking Shelves](https://redparklenders.com/business-loans/inventory-financing/): With inventory financing, the shelf goods a business is buying serve as the collateral for a loan or a line. The business pays it back as the goods sell. A funding partner decides how much of the stock value it will finance and on what terms. - [Equipment Financing in Columbus, MS: CNC Machines, Kitchen Lines and Dental Chairs](https://redparklenders.com/equipment-financing/): Equipment financing is a loan for one named item, secured by that item and paid in fixed monthly installments. A lease lets the business use the item while the leasing company owns it, and keeping it at the end takes a buyout. In this page’s restaurant example the lease has the lower monthly payment and nothing up front, but it costs more in total once the buyout is paid. - [Merchant Cash Advances for Columbus, MS Restaurants: Costs, Holdbacks and Alternatives](https://redparklenders.com/merchant-cash-advance/): Not a loan but a sale, a merchant cash advance trades part of a business’s future card sales for cash now, and the provider takes an agreed percentage of each day’s card receipts until it has the purchased amount. The factor rate fixes the cost at the start. When card sales slow, the daily amount shrinks and collection takes longer, while the cost stays the same. ## Industries - [Columbus, MS Restaurant Loans: Fryers, Buffet Lines and Booth Seating](https://redparklenders.com/industries/restaurants/): A Columbus, MS restaurant can finance fryers, buffet lines, dish machines and dining room furniture as equipment, carry food orders and payroll on a credit line or a working capital loan, or compare a merchant cash advance. Anything done to the building falls outside what Redpark Lenders arranges. - [Columbus, MS Medical Practice Loans: Second-Site Equipment, Signage and Front-Desk Furnishings](https://redparklenders.com/industries/medical-practices/): A Columbus, MS physician office can finance clinical equipment and furnishings, carry supply stock on a line of credit, and price the purchase of an existing practice as a term loan. The office space, and construction inside it, sit outside what Redpark Lenders arranges. - [Columbus, MS Business Loans for Retail: Hardware Aisles, Cooler Doors and Back-Room Storage](https://redparklenders.com/industries/retail/): 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. - [Columbus, MS Financing for Contractors: Drywall Crews, Finish Carpentry and Retainage](https://redparklenders.com/industries/construction/): A Columbus, MS contractor can finance equipment such as excavators and trailers, and use working capital or a line of credit for payroll, materials and retainage while payment is pending. Land, buildings and any real estate the contractor owns are not funded through this site. - [Columbus, MS Auto Repair Shop Loans: Scan Tools, ADAS Targets and Technician Hiring](https://redparklenders.com/industries/auto-repair/): A Columbus, MS repair shop can finance lifts, scan tools, ADAS targets and body shop equipment, carry parts stock and technician payroll on working capital or a line, and price the purchase of an existing shop as a term loan. Buying or altering the shop building is not something Redpark Lenders arranges. - [Manufacturing Equipment Financing in Columbus, MS: Injection Molders, Conveyors and Compressors](https://redparklenders.com/industries/manufacturing/): A Columbus, MS manufacturer or machine shop can finance CNC machines, press brakes, laser cutters, welding cells, forklifts and tooling, new or used, and carry long receivables and second-shift payroll on a line or working capital. In the worked example the used lathe costs less each month and in total. Floor space, foundations and power runs are building work this site does not fund. - [Columbus, MS Gas Station Financing: Store Buyouts, Reach-In Coolers and Stock](https://redparklenders.com/industries/gas-stations-convenience-stores/): A Columbus, MS gas station or convenience store can price the purchase of the store business as a term loan, finance coolers, ice machines, food counter equipment and POS systems, carry store stock on inventory financing, and look at a merchant cash advance collected from card sales. The fuel equipment, the land and the building are not funded through this site. - [Columbus, MS Chiropractic Practice Loans: Decompression Tables, Therapy Modalities and Optometry Exam Lanes](https://redparklenders.com/industries/chiropractic-and-therapy-practices/): A chiropractic, physical therapy or optometry office in Columbus, MS can finance tables, modality units, imaging and exam lanes as equipment, cover payroll and software on working capital or a line, and price the purchase of an existing practice as a term loan. Changes to the rooms or the building are not funded through this site. - [Columbus, MS Pharmacy Business Loans: Buying an Independent Pharmacy](https://redparklenders.com/industries/pharmacies/): A Columbus, MS pharmacy can price the purchase of an existing store as a term loan, finance wholesaler stock against the goods, and finance or lease counting machines, refrigerators and fixtures. In the worked example on this page the loan costs less in total and the lease asks for less at the start. The store building and any work on it are not funded here. - [Business Loans by Industry for Columbus, MS: From Pharmacies to Manufacturers](https://redparklenders.com/industries/): Nine trades in Lowndes County, MS, each with its 2023 County Business Patterns count and the product that fits its usual costs, with short notes on trades that have no page of their own. ## Tools and calculators - [Columbus, MS Small Business Resources and Checklists for Physician, Therapy and Pharmacy Owners](https://redparklenders.com/resources/): Preparation steps, a plan outline and a documents list for Lowndes County, MS practices, a pointer to the city website for zoning and permits, and a payment calculator. - [Machine Loan Payment Calculator for Columbus, MS Plants and Shops](https://redparklenders.com/resources/machine-loan-payment-calculator/): Type in what the machine costs, any cash put down, an annual rate and a number of months; the calculator answers with an estimated monthly payment, the interest over the whole term and a total cost that counts the cash put down. Those results are plain arithmetic, while the actual rate and term come from a funding partner’s offer. ## Communities near Columbus, MS - [Columbus, MS Business Loans: Lowndes County, MS Facts, Local Lenders and Pharmacies](https://redparklenders.com/columbus-ms/): Funding for a Columbus, MS business starts with a call or the request form, and each funding partner that sees it makes its own decision. The page pairs Lowndes County, MS facts from the Census with the questions a license, a lease or the purchase of an existing shop raises in a request, and it closes with the office address. - [Business Loans for Pharmacies, Therapy Offices and Contractors in Communities Near Columbus, MS](https://redparklenders.com/service-areas/): Owners in Columbus, MS and in nearby places such as Caledonia, MS, Hamilton, MS, Brooksville, MS and Millport, AL reach Redpark Lenders the same way. The page walks through commercial lease basics for pharmacies, therapy offices and physician practices, then gives 2023 ZIP counts for each place with a note on how little of each ZIP the place covers. ## Company - [Small Business Loans for Columbus, MS Pharmacies, Manufacturers and Restaurants](https://redparklenders.com/): A Columbus, MS business can start a funding request with Redpark Lenders by phone or through the request form, and the request goes to funding partners. The six on offer: a working capital loan, a term loan, a credit line, inventory financing, equipment financing and a merchant cash advance. The funding partners set the requirements and make each decision themselves. - [How to Get a Business Loan for Your Columbus, MS Pharmacy: From Call to Partner Review](https://redparklenders.com/how-it-works/): An owner gets things moving with a phone call, or with the request form if writing suits better. A funding partner then asks for the records it needs, reviews the business and decides whether to make an offer. Redpark Lenders does not make that decision or set the terms. - [Business Loan Questions and Answers for Columbus, MS Practices, Pharmacies and Manufacturers](https://redparklenders.com/faq/): Filling in the request form is not applying for credit; a funding partner may check credit later in its own review. A term loan can finance buying an existing practice. Tax questions go to the business’s tax preparer. - [About Redpark Lenders, a Columbus, MS Funding Service for Pharmacies](https://redparklenders.com/about/): Redpark Lenders talks with Columbus, MS owners about the amount and the use, then passes the request to funding partners. The partners review each business, make the credit decision and set any rate or term; Redpark Lenders does neither. - [Talk With Redpark Lenders About Financing a Columbus, MS Auto Shop or Pharmacy](https://redparklenders.com/contact/): Phone (662) 445-7556 or the request form both reach Redpark Lenders. This page lists questions a Columbus, MS owner can put to a lender or funding partner before accepting an offer, and what to have ready for a first call. - [Business Loan Application for Columbus, MS Physician Offices, Pharmacies and Therapy Practices](https://redparklenders.com/apply/): To start, the request form needs a Full Name, a Phone and an Email, then Company Name, Time in Business, Annual Revenue and Requested Amount, plus consent. Sending it is not a credit application. Funding partners review the request and make the decision. - [Disclosures for Redpark Lenders, Columbus, MS](https://redparklenders.com/disclosures/): Redpark Lenders is a broker, not a lender. Funding partners review each request and make every credit decision; no offer is assured. ## Optional - [Full text of every page](https://redparklenders.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://redparklenders.com/sitemap.xml)