Cliffmoor Funding Group takes phone and form requests from Pine Bluff, Arkansas and nearby towns in Jefferson County, AR and neighboring counties. This page lists ZIP-level business counts for White Hall, Redfield, Rison, England, Star City and Hensley, labeled by ZIP, and answers questions on real estate, equipment, down payments and bank loans.
Towns near Pine Bluff, AR, read through their ZIP codes
The figures below come from the 2023 ZIP Code Business Patterns and describe each town's main USPS ZIP, not the town itself: each town covers only a small part of its ZIP's land, so a ZIP count is never a town count.
| Town (county) | ZIP | Employer establishments | Town's share of ZIP land |
|---|---|---|---|
| White Hall, AR (Jefferson County, AR) | 71602 | 320 | 5.4% |
| Redfield, AR (Jefferson County, AR) | 72132 | 39 | 4.4% |
| Star City, AR (Lincoln County, AR) | 71667 | 123 | 1.7% |
| England, AR (Lonoke County, AR) | 72046 | 71 | 0.8% |
| Hensley, AR (Pulaski County, AR) | 72065 | 71 | 1.6% |
| Rison, AR (Cleveland County, AR) | 71665 | 57 | 1.0% |
ZIP 71602, which includes White Hall, had 5,748 paid employees at its employer establishments, and 51.9% of those establishments had fewer than five employees. Its largest sectors by count were retail (64), other services (39), health care (35) and accommodation and food services (33). Star City, England, Hensley and Rison lie outside Jefferson County, AR, so county figures on this site do not describe them.
Altheimer, AR, Sherrill, AR and other places near Pine Bluff, AR
Requests also come from smaller places near Pine Bluff, AR: Altheimer, Sherrill, Wabbaseka, Humphrey, Tucker and Sulphur Springs in or near Jefferson County, AR; Woodlawn and Staves in Cleveland County, AR; Grady in Lincoln County, AR; Coy and Allport in Lonoke County, AR; and Woodson in Pulaski County, AR. The Census publishes too few business figures for these places to describe them separately.
For the whole county, see the Pine Bluff, AR page.
Real estate business loan requirements for Jefferson County, AR businesses
Real estate business loan requirements differ from the six structures on this site. A commercial mortgage to buy land or a building is underwritten on the property: an appraisal, a down payment, the borrower's cash flow, and environmental and title reviews. Cliffmoor's six structures do not include commercial mortgages.
Where a property purchase is under way, the funding Cliffmoor can help with is the business inside it: equipment, a build-out term loan, inventory or working capital.
How to get a small business loan for equipment
To get a small business loan for equipment, start with a vendor quote showing make, model, price and whether the item is new or used. Equipment financing uses the item as collateral, so a partner reads its value and useful life along with the business's bank statements and tax returns. A lease is the other route: the funder owns the equipment and you pay to use it.
The equipment financing page on this site walks through a worked example with the payments totaled.
How to get a business loan without a down payment for a Jefferson County, AR business
Getting a business loan without a down payment, for a Jefferson County, AR business, depends on the structure and the partner. Equipment financing can cover the whole price in some offers, since the machine itself secures it. Working capital loans and lines of credit are not tied to a purchase price, so there is no down payment as such. Business purchases and real estate are where partners ask for money down, and seller financing can sometimes fill part of that gap.
How to get a business loan from the bank
To get a business loan from a bank, open with the bank you already use: it can see your deposit history directly. Bring two or three years of tax returns, financial statements, a debt schedule and the purpose of the loan. Banks set their own criteria and may take time to decide. Comparing a bank's offer with offers from other funding partners, on total dollars and terms, is reasonable.
Call (870) 218-9619 or send the request form from anywhere around Pine Bluff, AR.
By Cliffmoor Funding Group ยท Updated