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.
| County | Henry County, AL |
|---|---|
| Distance | Roughly 9 miles NNE of Dothan, AL |
| ZIP 36345 employers | 155 in 2023 (Census ZBP) |
| Under five employees | 51.0% of them |
| ZIP 36345 payroll | $52.5 million, 1,204 employees |
Henry County, AL, Not Houston County, AL
Headland sits about 9 miles north-northeast of Dothan, AL, but it is in Henry County, Alabama. County records, county taxes and any county license questions for a Headland business go through Henry County, not Houston County.
ZIP 36345 in Numbers
Nearly all of Headland's land lies in ZIP 36345, yet the town covers only about a quarter of that ZIP's land (U.S. Census Bureau, 2020 ZCTA-to-place relationship file). So the figures below describe the postal area, which includes rural addresses outside the town limits.
| Sector | Establishments | Under 5 employees |
|---|---|---|
| Retail trade | 24 | 50.0% |
| Other services (repair, personal care) | 22 | 45.5% |
| Construction | 19 | 63.2% |
| Accommodation and food services | 15 | 33.3% |
| Professional, scientific and technical | 13 | 84.6% |
| Wholesale trade | 10 | 30.0% |
| Health care and social assistance | 10 | 40.0% |
Altogether, ZIP 36345 had 155 employer establishments with 1,204 employees and $52.5 million in annual payroll in 2023 (U.S. Census Bureau, ZIP Code Business Patterns 2023).
A Town of Shops, Trades and Small Crews
Retail, repair and personal services, and construction account for 65 of the ZIP's 155 employers. Nineteen construction firms, with nearly two-thirds under five people, are the kind of crew where buying a trailer or covering materials before a job pays is a real decision.
For crews like that, equipment financing for a machine or working capital for a materials gap are usually the first two structures worth comparing.
Very Small Firms in ZIP 36345
Half of ZIP 36345's employers had fewer than five people in 2023, and in professional, scientific and technical services the share was 84.6 percent. For businesses this small, partners often look at the owner's own credit as well as the business account, and a personal guarantee is common. Keeping business and personal banking separate makes the business side much easier to read.
Licenses and Records for a Headland, AL Business
Partners often ask for proof that a business is registered and in good standing, so have current license details ready before a request.
Questions Headland, AL Owners Can Settle Before Calling
- What exactly will the money buy, and when is it needed?
- Which income repays it, and when does that income arrive?
- Are the business's bank statements from a business account?
- Is any equipment or stock already pledged to another lender?
From Headland, AL to St Andrews Street
Owners in Headland work with Frostspring by phone and through the short form, as owners in the city do. The Dothan, AL page has the regional picture, and every area we cover lists the other towns.
Headland, AL sectors our partners fund
Our partners have confirmed appetite for four kinds of business: contractors and construction trades, restaurants and food service, medical and dental practices, and retailers and wholesalers that carry stock. If your Headland, AL business is something else, call and ask before you spend time on paperwork.
Documents to have ready
- The last three to six months of business bank statements
- Last year's filed tax return for the business
- An up-to-date P&L and balance sheet, even if you prepare them yourself
- A driver's license or passport for each owner
- Proof of ownership and business registration
- A list of existing business debts and payments
Partners differ in what they request; this list covers the usual ground.
How a request moves forward
- Reach us at (334) 256-0679 or through the contact form. When we call back, the first questions are simple: what the funding is for, how long the business has operated and its rough revenue.
- We explain which funding types fit that use and what partners usually need to see. Nothing is submitted without your go-ahead.
- With your permission, we take the request to lending partners that offer that kind of funding. Each partner reviews it and makes its own credit decision.
- When an offer arrives, weigh its full cost, how payments are scheduled and the conditions. Accepting is entirely your choice.
Our office is at 161 S St Andrews St, Dothan, AL 36301.
By Frostspring Business Loans · Updated