# Frostspring Business Loans > Frostspring Business Loans is a small-business funding broker at 161 S St Andrews St, Dothan, AL 36301 (phone (334) 256-0679). It helps businesses in Dothan, AL; Headland, AL; Daleville, AL; Ozark, AL; Abbeville, AL and across Houston County, Alabama, explore working capital, business term loans, business lines of credit, inventory financing, equipment financing and leasing, and merchant cash advances. Frostspring Business Loans connects you with lending partners; partners make credit decisions and set rates and terms. Frostspring Business Loans is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Frostspring Business Loans does not arrange personal, payday, auto title or mortgage loans, is not an SBA lender, offers no grants, does not take agriculture or trucking requests, and is located in Dothan, Alabama (Houston County, Alabama, not Houston, Texas or Houston County, Georgia). Key facts: - Business type: small-business funding broker (not a lender) - Address: 161 S St Andrews St, Dothan, AL 36301, United States - Phone: (334) 256-0679 - Apply: https://frostspringbusinessloans.com/apply/ - Service area: Dothan, AL; Headland, AL; Daleville, AL; Ozark, AL; Abbeville, AL and all of Houston County, Alabama - Language: English ## Funding options - [Compare Business Funding Options in Dothan, AL](https://frostspringbusinessloans.com/business-loans/): Frostspring Business Loans, a small-business funding broker in Dothan, Alabama, lines up six structures on this page and sorts them by how money goes back: working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. For each it notes typical uses and what partners check. Partners alone approve requests and set rates and terms. - [Working Capital Financing Options for Dothan, Alabama Businesses](https://frostspringbusinessloans.com/business-loans/working-capital/): Working capital financing is a short-term sum, repaid in set installments, that pays wages, rent and supplier bills until receivables arrive. Frostspring Business Loans, a small-business funding broker in Dothan, Alabama, explains how partners size it, what it should not cover and how it compares with a line of credit or a merchant cash advance. - [Business Term Loan Options for Dothan, Alabama Businesses](https://frostspringbusinessloans.com/business-loans/term-loans/): A business term loan provides a single sum repaid in scheduled installments over a set period. Frostspring Business Loans, a small-business funding broker in Dothan, Alabama, explains amortization, balloon payments, covenants, early payoff and expansion uses, and links its practice-loan calculator and planning posts. Lending partners decide and set all rates and terms. - [Business Line of Credit Options for Dothan, Alabama Businesses](https://frostspringbusinessloans.com/business-loans/line-of-credit/): A business line of credit lets a company draw funds up to an approved limit, pay interest only on what it uses and, on a revolving line, reuse repaid amounts. Frostspring Business Loans, a small-business funding broker in Dothan, Alabama, explains draw periods, interest, payroll and restocking uses and how a line compares with a term loan. Partners alone decide, and they set the terms. - [Inventory Financing Options for Dothan, Alabama Businesses](https://frostspringbusinessloans.com/business-loans/inventory-financing/): Inventory financing funds the purchase of goods for resale, typically secured by the inventory itself. Frostspring Business Loans, a small-business funding broker in Dothan, Alabama, explains how it works, floor plan financing, how it differs from factoring and a line of credit, and the records partners want, with Houston County, AL retail figures. Partners alone decide, and they set the terms. - [Equipment Financing and Leasing Options for Dothan, Alabama Businesses](https://frostspringbusinessloans.com/equipment-financing/): Equipment financing pays for business machinery, vehicles and fixtures, usually secured by the equipment itself, through a loan, a lease or an equipment finance agreement. Frostspring Business Loans, a small-business funding broker in Dothan, Alabama, explains the three routes, used equipment, contractor vehicles and the records partners ask for. The lending partner approves or declines and prices the deal. - [Merchant Cash Advance Options for Dothan, Alabama Businesses](https://frostspringbusinessloans.com/merchant-cash-advance/): A merchant cash advance is not a loan: the funder buys a portion of a business's future receivables and collects it by holding back part of card or bank deposits. Frostspring Business Loans, a small-business funding broker in Dothan, Alabama, explains holdbacks, factor rates, reconciliation, stacking, default and credit reporting so owners can total an offer before signing. ## Industries - [Business Financing by Industry in Dothan, AL](https://frostspringbusinessloans.com/industries/): Frostspring Business Loans, a small-business funding broker in Dothan, Alabama, works with four partner sectors in Houston County: construction, restaurants, medical and dental practices, and retail and wholesale. This page sets each sector's 2023 Census counts beside the structures that suit how it earns and spends. Approval, rates and terms rest with the lending partner. - [Restaurant and Food Service Financing Options in Dothan, Alabama](https://frostspringbusinessloans.com/industries/restaurants/): Frostspring Business Loans, a small-business funding broker in Dothan, Alabama, helps Houston County restaurants compare equipment financing, working capital, lines of credit and merchant cash advances. The county had 233 restaurants and other eating places with 4,935 employees in 2023 (U.S. Census Bureau). The lending partner approves or declines and prices the deal. - [Medical and Dental Practice Financing Options in Dothan, Alabama](https://frostspringbusinessloans.com/industries/medical-dental/): Frostspring Business Loans, a small-business funding broker in Dothan, Alabama, walks Houston County medical, dental and chiropractic offices through equipment financing, term loans for build-outs and working capital for claim gaps. The county had 263 ambulatory health care employers in 2023, among them 104 physicians' and 43 dentists' offices (U.S. Census Bureau). Partners decide and price. ## Guides and calculators - [Business Funding Guides and Calculators for Dothan, AL Owners](https://frostspringbusinessloans.com/resources/): Frostspring Business Loans, a small-business funding broker in Dothan, Alabama, publishes these guides for Houston County owners: the Alabama sales tax license and why partners ask about it, Dothan business license records across three counties, a directory of free Alabama Wiregrass help, and a practice loan calculator. Any terms come from the lending partner, which also decides. - [The Alabama Sales Tax License: What Dothan, AL Retailers Keep on File for Funding](https://frostspringbusinessloans.com/resources/alabama-sales-tax-license/): The Alabama sales tax license is the state account a retailer uses to collect and remit sales tax. Frostspring Business Loans, a small-business funding broker in Dothan, Alabama, explains what Houston County retailers should keep on file, why funding partners ask about it, and where application, lookup and renewal questions belong. Any terms come from the lending partner, which also decides. - [Dothan, AL Business License: City Limits, Three Counties and Renewal](https://frostspringbusinessloans.com/resources/dothan-al-business-license-guide/): Dothan, Alabama spans Houston, Dale and Henry counties, so a business license question has a city part and a county part. Frostspring Business Loans, a small-business funding broker in Dothan, Alabama, sets out how to work out which records apply, how application, search and renewal fit together, and why funding partners check. Any terms come from the lending partner, which also decides. - [Free Small Business Help in Dothan, AL and the Alabama Wiregrass](https://frostspringbusinessloans.com/resources/wiregrass-small-business-resources/): Frostspring Business Loans, a small-business funding broker in Dothan, Alabama, lists free small business help for Alabama Wiregrass owners: the chamber of commerce, small business advising, city and county offices, and state registration contacts. Every organization below is independent of Frostspring. Credit decisions, rates and terms stay with lending partners. - [Dental and Medical Practice Loan Calculator for Dothan, AL](https://frostspringbusinessloans.com/resources/dental-practice-loan-calculator/): This dental and medical practice loan calculator estimates the monthly payment, total interest and total repaid from the amount, annual rate and term you enter. Frostspring Business Loans, a small-business funding broker in Dothan, Alabama, provides it for Houston County practices weighing equipment or build-out costs. Results are estimates, not offers; lending partners set real terms. ## Areas served - [Business Funding in Dothan, AL: Houston County, AL and Alabama Wiregrass Facts](https://frostspringbusinessloans.com/dothan-al/): Frostspring Business Loans, a small-business funding broker in Dothan, Alabama, is listed at 161 S St Andrews St in Houston County, AL. The county counted 2,859 employer establishments in 2023 and 9,003 businesses without employees in 2024 (U.S. Census Bureau). Below: employer sizes, ZIP 36301 sectors, self-employment, permits and local records. - [Communities We Serve in Houston County, AL and Neighboring Counties](https://frostspringbusinessloans.com/service-areas/): Frostspring Business Loans, a small-business funding broker in Dothan, Alabama, works with owners across the Alabama Wiregrass by phone and online from 161 S St Andrews St. Headland, Daleville, Ozark and Abbeville have pages with ZIP-level Census data; Midland City, Ashford, Cottonwood and other nearby places are summarized here. Any terms come from the lending partner, which also decides. - [Business Funding for Headland, AL Businesses](https://frostspringbusinessloans.com/service-areas/headland-al/): Frostspring Business Loans, a small-business funding broker in Dothan, Alabama, handles Headland requests by phone and through its online form. ZIP 36345 had 155 employer establishments in 2023, 51.0 percent with fewer than five employees, led by retail, repair and personal services and construction (Census ZBP). Headland is in Henry County, AL. Any terms come from the lending partner, which also decides. - [Business Funding for Daleville, AL Businesses](https://frostspringbusinessloans.com/service-areas/daleville-al/): Frostspring Business Loans, a small-business funding broker in Dothan, Alabama, serves Daleville owners over the phone and through its online form. ZIP 36322 had 141 employer establishments in 2023, 60.3 percent with fewer than five employees, and accommodation and food services was the largest sector with 32 (Census ZBP). Daleville is in Dale County, AL. Any terms come from the lending partner, which also decides. - [Business Funding for Ozark, AL Businesses](https://frostspringbusinessloans.com/service-areas/ozark-al/): Frostspring Business Loans, a small-business funding broker in Dothan, Alabama, works with Ozark owners by phone and online. ZIP 36360 had 349 employer establishments with 4,092 employees in 2023, led by retail (73) and health care (43) (Census ZBP). Ozark is in Dale County, AL. Each credit decision, and every rate and term, sits with a lending partner. - [Business Funding for Abbeville, AL Businesses](https://frostspringbusinessloans.com/service-areas/abbeville-al/): Frostspring Business Loans, a small-business funding broker in Dothan, Alabama, takes calls and online requests from Abbeville owners. Of the 139 employer establishments in ZIP 36310 in 2023, 57.6 percent employed fewer than five people (Census ZBP). Abbeville is in Henry County, AL, about 25 miles from Dothan, AL. Each credit decision, and every rate and term, sits with a lending partner. ## Company - [A Dothan, AL Business Funding Broker for the Alabama Wiregrass](https://frostspringbusinessloans.com/): Frostspring Business Loans, a small-business funding broker in Dothan, Alabama, works from 161 S St Andrews St and helps Houston County owners compare working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. It does not lend: lending partners review each request, decide on it and set every rate and term. - [How Business Funding Works With a Dothan, AL Broker](https://frostspringbusinessloans.com/how-it-works/): Frostspring Business Loans, a small-business funding broker in Dothan, Alabama, follows four steps: a call about the purpose, a matched structure, a lending partner's review, and your decision on any offer. This page explains each step, what partners review, how to compare APR, factor rates and total cost, and which red flags to watch for. - [Business Funding Questions From Dothan, AL Owners](https://frostspringbusinessloans.com/faq/): Frostspring Business Loans, a small-business funding broker in Dothan, Alabama, answers common questions here: paying yourself from a business loan, using a personal loan for the business, funding for an LLC, merchant cash advances, the office and Houston County, AL, and requests it does not handle. Each credit decision, and every rate and term, sits with a lending partner. - [About Frostspring Business Loans, a Business Funding Broker in Dothan, AL](https://frostspringbusinessloans.com/about/): Frostspring Business Loans, a small-business funding broker in Dothan, Alabama, is listed at 161 S St Andrews St. It is a broker, not a lender: it explains funding structures, prepares requests and introduces them to lending partners, who make credit decisions and set rates and terms. This page sets out its role, its limits and how to reach it. - [Contact Frostspring Business Loans in Dothan, AL](https://frostspringbusinessloans.com/contact/): Reach Frostspring Business Loans, a small-business funding broker in Dothan, Alabama, by phoning (334) 256-0679 or using the short online form. Its address of record is 161 S St Andrews St, Dothan, AL 36301. Frostspring is a broker, not a lender: lending partners make the credit decisions and set every rate and term. - [Request Business Funding Options in Dothan, AL](https://frostspringbusinessloans.com/apply/): Frostspring Business Loans, a small-business funding broker in Dothan, Alabama, takes requests through a short form with name, email, phone and business name, three range picks for time in business, annual revenue and requested amount, plus a consent checkbox. We call to discuss the purpose and the structures that fit. Frostspring is a broker, not a lender; lending partners make credit decisions and set rates and terms. - [Broker Disclosures for Frostspring Business Loans, Dothan, AL](https://frostspringbusinessloans.com/disclosures/): Frostspring Business Loans, a small-business funding broker in Dothan, Alabama, is a broker, not a lender. It introduces business funding requests to lending partners, who review them, make every credit decision and set all rates, amounts and terms. No approval is promised. A merchant cash advance is not a loan. This page lists the broker's role and limits. ## Optional - [Full text of every page](https://frostspringbusinessloans.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://frostspringbusinessloans.com/sitemap.xml)