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.
| County | Dale County, AL |
|---|---|
| Distance | Roughly 22 miles NW of Dothan, AL |
| ZIP 36360 employers | 349 in 2023 (Census ZBP) |
| Leading sectors | 73 retail and 43 health care employers |
| ZIP 36360 payroll | $164.1 million, 4,092 employees |
Dale County, AL Records
Ozark is about 22 miles northwest of Dothan, AL and sits in Dale County, Alabama. County filings and any county license questions go through Dale County.
ZIP 36360 by Sector
| Sector | Establishments | Under 5 employees |
|---|---|---|
| Retail trade | 73 | 45.2% |
| Health care and social assistance | 43 | 30.2% |
| Accommodation and food services | 40 | 17.5% |
| Other services | 40 | 67.5% |
| Finance and insurance | 25 | 60.0% |
| Construction | 23 | 65.2% |
| Professional, scientific and technical | 19 | 84.2% |
| Real estate and rental | 16 | 75.0% |
In all, ZIP 36360 counted 349 employers, 4,092 employees and $164.1 million in annual payroll in 2023, and 51.3 percent of its employers had fewer than five people (U.S. Census Bureau, ZIP Code Business Patterns 2023). The whole town lies inside ZIP 36360, but the ZIP is roughly five times larger than the town (U.S. Census Bureau, 2020 ZCTA-to-place relationship file).
Shops and Practices
Seventy-three retail employers and 43 in health care give ZIP 36360 more shops and clinics than any other town ZIP on these area pages. Retailers face the stock question: paying for goods before they sell. Inventory financing, where the stock itself secures the money, is the usual answer.
Practices face equipment and timing questions instead. The medical and dental financing page covers chairs, imaging and the wait for claims.
Finance, Real Estate and Repair Firms
ZIP 36360 also counted 25 finance and insurance employers, 16 in real estate and rental, and 40 in other services such as repair and personal care, two-thirds of them under five people (U.S. Census Bureau, ZIP Code Business Patterns 2023). Repair shops and similar service businesses tend to fund tools and vehicles rather than stock, which points to equipment financing rather than inventory funding.
Self-Employment in Ozark, AL
In Ozark city, 7.5 percent (+/- 2.8) of employed residents were self-employed (U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates). The margin is wide, so treat it as a rough guide rather than a precise share.
Licenses and Renewal in Ozark, AL
License status is one of the routine checks a partner may run, so a lapsed renewal is worth fixing before a request goes out.
Ozark, AL Owners and Frostspring
By phone or the short form. The Dothan, AL page covers the county around the office, and communities around Dothan, AL lists other towns.
Who Frostspring Business Loans works with in Ozark, AL
Our lending partners have confirmed they fund contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock, and Frostspring Business Loans works with businesses like these in Ozark, AL. Each partner still decides case by case.
Documents to have ready
- Business checking statements covering roughly the last quarter or two
- Last year's filed tax return for the business
- An up-to-date P&L and balance sheet, even if you prepare them yourself
- Photo ID for every owner of the business
- Your articles of organization or incorporation and the EIN letter
- A simple schedule of current business debt and monthly payments
Partners differ in what they request; this list covers the usual ground.
What happens after you reach out
- You call (334) 256-0679 or send the short form (name, contact details and business name). When we speak, we ask what the money is for, how long you have been in business and roughly what the business brings in.
- We walk through the funding types that suit that purpose and the paperwork partners tend to ask for. Nothing goes out until you say so.
- After you give the go-ahead, we share the request with suitable lending partners, and each one decides on its own.
- If a partner makes an offer, you compare the total cost, payment schedule and terms. You are never obligated to accept.
Frostspring Business Loans is based at 161 S St Andrews St, Dothan, AL 36301.
By Frostspring Business Loans · Updated
