# Heathrun Advances > Heathrun Advances is a small-business funding broker at 123 2nd Ave NE, Decatur, AL 35601 (phone (256) 376-4693). It helps businesses in Decatur, AL; Hartselle, AL and across Morgan County, Alabama, explore equipment financing and leasing, working capital, business term loans, business lines of credit, inventory financing, and merchant cash advances. Heathrun Advances hands funding requests to funding partners; the partner that reviews a request makes its own credit decision and sets any rate and terms. Heathrun Advances is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Heathrun Advances does not arrange personal, payday, auto title, mortgage, startup or SBA loans, does not offer grants, and does not arrange funding for trucking. Key facts: - Business type: small-business funding broker (not a lender) - Address: 123 2nd Ave NE, Decatur, AL 35601, United States - Phone: (256) 376-4693 - Apply: https://heathrunadvances.com/apply/ - Service area: Decatur, AL; Hartselle, AL and all of Morgan County, Alabama - Language: English ## Funding options - [Business Loans in Decatur, AL: Six Options Compared for Machine Shops and Plants](https://heathrunadvances.com/business-loans/): Heathrun Advances, a small-business funding service in Decatur, Alabama, sets out six funding options on one page: working capital, business term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. Each is described by what it pays for, how it is paid back or collected, and what a funding partner reads before making its own decision. - [Working Capital Loans in Decatur, AL: Payroll, Supplier Bills and Repairs](https://heathrunadvances.com/business-loans/working-capital/): From its Decatur, Alabama office, Heathrun Advances passes working capital requests to funding partners that decide on them. This page shows how to size a working capital need, when a line of credit suits payroll better than a loan, what working capital lenders read, and how Morgan County, AL industries such as manufacturing, fuel stations and trades experience the gap between paying out and getting paid. - [Business Term Loans in Decatur, AL: Fixed Payments for Bigger Projects](https://heathrunadvances.com/business-loans/term-loans/): Heathrun Advances, in Decatur, Alabama, sends term loan requests on to funding partners, and each partner reaches its own decision. This page covers business acquisition financing and buying an existing business, short-term loans, how amortization splits each payment between interest and principal, and the records partners read before they decide on amount and terms. - [Business Lines of Credit in Decatur, AL: A Standby Credit Line for Payables](https://heathrunadvances.com/business-loans/line-of-credit/): This page from Heathrun Advances in Decatur, Alabama explains business lines of credit: how a commercial or revolving line works, how interest is figured on a drawn balance, which Morgan County, AL businesses carry the kind of recurring gaps a line is built for, and the records a funding partner reads before it decides on a limit. - [Inventory Financing in Decatur, AL: Bulk Orders Without Draining Cash](https://heathrunadvances.com/business-loans/inventory-financing/): Heathrun Advances, a Decatur, Alabama funding service, explains inventory financing here: what it is, how a stock or floor plan facility works, how online sellers and manufacturers use it, and what records a funding partner reads. Morgan County, AL retail and wholesale counts from the Census Bureau show which local businesses carry stock ahead of sales. - [Equipment Financing in Decatur, AL: Lease or Loan for CNC Machines, Kitchen Lines and Mowers](https://heathrunadvances.com/equipment-financing/): Heathrun Advances, a small-business funding service in Decatur, Alabama, explains equipment financing for five kinds of equipment used by Morgan County, AL businesses: CNC and machine shop equipment, commercial kitchen lines, lawn-care equipment, gym equipment and salon fixtures. It covers loans, leases and equipment finance agreements, with Census counts for the industries that use each kind of machine. - [Merchant Cash Advances for Decatur, AL Motels, Diners and Repair Bays: How Holdbacks and Factor Rates Work](https://heathrunadvances.com/merchant-cash-advance/): This page from Heathrun Advances in Decatur, Alabama explains merchant cash advances, which are purchases of future receivables and not loans: how factor rates and holdbacks set the cost and the daily collection, how revenue-based financing differs, how to compare providers, and which Morgan County, AL businesses have the steady card sales an advance depends on. ## Industries - [Business Loans by Industry in Decatur, AL: Machine Shops and Plants and More](https://heathrunadvances.com/industries/): Heathrun Advances, a small-business funding service in Decatur, Alabama, groups its funding notes by industry: food and drink, auto and fuel, health care, construction and trades, manufacturing and wholesale, retail, personal care and fitness, care and building services, hospitality, and offices and property. Fourteen industries have full pages; the rest have notes here with Morgan County, AL Census counts. - [Restaurant Loans in Decatur, AL: Ovens, Coolers and Slow-Week Payroll](https://heathrunadvances.com/industries/restaurants/): Heathrun Advances in Decatur, Alabama helps restaurant owners compare funding for equipment, payroll gaps, remodels and restaurant purchases, then matches the request with funding partners that decide on it. Morgan County, AL had 61 full-service and 110 limited-service restaurants with paid employees in 2023 (County Business Patterns). This page covers restaurant lenders, card-sales advances, buying a restaurant and the records partners read. - [Medical Practice Loans for Decatur, AL Owners: Exam Rooms, Imaging and Billing Gaps](https://heathrunadvances.com/industries/medical-practices/): Heathrun Advances, a funding service in Decatur, Alabama, helps physician practices compare financing for equipment, build-outs, billing gaps and practice purchases, and passes each request to funding partners that make their own decisions. Morgan County, AL had 76 offices of physicians with paid employees in 2023 (County Business Patterns), 46.1% of them with fewer than five employees. - [Dental Office Loans for Decatur, AL Owners: Operatories, Scanners and Payroll](https://heathrunadvances.com/industries/dental-practices/): Heathrun Advances in Decatur, Alabama helps dentists compare dental office loans for equipment, operatory build-outs, billing gaps and practice acquisitions, then hands the request to funding partners that decide on it. Morgan County, AL had 39 offices of dentists with paid employees in 2023, with 300 employees (County Business Patterns); 23 had a ZIP 35601 address (ZIP Code Business Patterns). - [Retail Business Loans in Decatur, AL: Inventory, Remodels and Card-Sales Gaps](https://heathrunadvances.com/industries/retail/): Heathrun Advances, in Decatur, Alabama, helps store owners compare retail business funding for inventory, remodels, fixtures and cash-flow gaps, and passes each request to funding partners that decide on it. Retail trade had 464 employer establishments in Morgan County, AL in 2023, the most of any sector, with 5,745 employees (County Business Patterns). - [Contractor Business Loans in Decatur, AL: Excavators, Materials and Slow-Paying Jobs](https://heathrunadvances.com/industries/construction/): Heathrun Advances, a funding service in Decatur, Alabama, helps builders, remodelers and specialty trade contractors compare funding for equipment, materials, payroll and retainage gaps, and passes each request to funding partners that decide on it. Morgan County, AL had 282 construction employers with 4,797 employees in 2023 (County Business Patterns) and 1,266 construction businesses without paid employees in 2024 (Nonemployer Statistics). - [Auto Repair Shop Loans for Decatur, AL Owners: Bays, Lifts and Buying a Shop](https://heathrunadvances.com/industries/auto-repair/): Heathrun Advances in Decatur, Alabama helps repair shop owners compare funding for equipment, parts, payroll, expansions and shop purchases, and passes requests to funding partners that decide on them. Morgan County, AL had 51 auto repair and maintenance employers in 2023 with 304 employees (County Business Patterns), plus 166 repair businesses without paid employees in 2024 (Nonemployer Statistics). - [Grocery Store Loans Around Decatur, AL: Coolers, Shelving and Stock](https://heathrunadvances.com/industries/grocery-stores/): Heathrun Advances, based in Decatur, Alabama, helps grocers and corner markets compare funding for refrigeration, stock, remodels and store purchases, and sends each request to funding partners that decide on it. Morgan County, AL had 34 grocery store employers with 781 employees in 2023 (County Business Patterns), and 21 had a ZIP 35601 address (ZIP Code Business Patterns). - [Daycare Center Financing Around Decatur, AL: Expansion, Vans and Staff Payroll](https://heathrunadvances.com/industries/daycare-centers/): Heathrun Advances in Decatur, Alabama helps child care and preschool owners compare daycare center financing for expansions, equipment, vehicles, payroll gaps and center purchases, and passes each request to funding partners that decide on it. Morgan County, AL had 32 child day care employers with 225 employees in 2023 (County Business Patterns) and 109 child care businesses without paid employees in 2024 (Nonemployer Statistics). - [Landscaping Equipment Financing Around Decatur, AL: Commercial Mowers and Irrigation Gear](https://heathrunadvances.com/industries/landscaping/): Heathrun Advances, a Decatur, Alabama funding service, helps landscapers and lawn crews compare equipment financing for mowers, trailers and irrigation gear, credit lines for operating costs and loans to buy an existing landscaping business, and sends the request to funding partners that decide on it. Morgan County, AL had 28 landscaping employers in 2023 (County Business Patterns) and 354 landscaping businesses without paid employees in 2024 (Nonemployer Statistics). - [Hotel and Motel Loans, Decatur, AL: Room Refreshes, FF&E and Working Capital](https://heathrunadvances.com/industries/hotels-motels/): Heathrun Advances, in Decatur, Alabama, helps independent and flagged hotel and motel operators compare funding for furniture, fixtures and equipment, room renovations and working capital, and passes requests to funding partners that decide on them. It does not arrange hotel mortgages, construction loans or property refinancing. Morgan County, AL had 25 hotel and motel employers with 322 employees in 2023 (County Business Patterns). - [Machine Shop Loans, Decatur, AL: Mills, Inspection Gear and Payroll](https://heathrunadvances.com/industries/machine-shops/): Heathrun Advances in Decatur, Alabama helps machine shops and metal fabricators compare financing for CNC machines, welders, inspection equipment, tooling and payroll, and passes requests to funding partners that decide on them. Morgan County, AL had 39 fabricated metal product employers with 1,282 employees in 2023, and manufacturing paid $954.8 million in annual payroll, more than any other sector (County Business Patterns). - [Gas Station Loans in Decatur, AL Covering Store Remodels, Coolers and Fuel Bills](https://heathrunadvances.com/industries/gas-stations-convenience-stores/): Heathrun Advances, a funding service in Decatur, Alabama, helps fuel stop and convenience store owners compare funding for remodels, coolers and food equipment, fuel and merchandise bills, and business purchases, and sends each request to funding partners that decide on it. Morgan County, AL had 86 gasoline stations and 13 convenience stores with paid employees in 2023 (County Business Patterns). - [Chiropractic and Therapy Practice Loans in Decatur, AL: Tables, Therapy Equipment and Billing Gaps](https://heathrunadvances.com/industries/chiropractors-and-therapists/): Heathrun Advances in Decatur, Alabama helps chiropractors, physical therapists, optometrists and other practitioners compare funding for equipment, build-outs, billing gaps and practice purchases, and passes each request to funding partners that decide on it. Morgan County, AL had 59 offices of other health practitioners with paid employees in 2023 (County Business Patterns), 55.9% of them with fewer than five employees. - [HVAC and Plumbing Business Loans in Decatur, AL: Trucks, Equipment and Slow-Paying Jobs](https://heathrunadvances.com/industries/plumbing-hvac/): Heathrun Advances, based in Decatur, Alabama, helps plumbing, heating and air-conditioning contractors compare funding for vans, tools, parts, payroll gaps and business purchases, and sends each request to funding partners that decide on it. Morgan County, AL had 59 plumbing, heating and air-conditioning contractors with 1,134 employees in 2023 (County Business Patterns). ## Guides and calculators - [Business Resources for Decatur, AL Machine Shops and Plants: Guides and Calculators](https://heathrunadvances.com/resources/): Heathrun Advances, a funding service in Decatur, Alabama, publishes three practical guides and one worksheet: a comparison of lender types in Alabama, the child care licensing records a daycare owner needs before funding, the City of Decatur business license steps, and a worksheet that turns an equipment lease factor into a payment and total. - [Business Lenders in Alabama: A Guide for Decatur, AL Machine Shops and Plants](https://heathrunadvances.com/resources/business-lenders-in-alabama/): This guide from Heathrun Advances in Decatur, Alabama compares the kinds of commercial lenders available to Alabama small businesses: banks, credit unions, community development financial institutions, equipment finance companies and online lenders. It covers what each offers, what each reads, the questions to ask before signing, and where a request sent through Heathrun Advances fits. - [Alabama Child Care Licensing for Decatur, AL Owners: Steps for Daycare and Preschool Owners](https://heathrunadvances.com/resources/alabama-child-care-licensing/): This guide from Heathrun Advances in Decatur, Alabama explains Alabama child care licensing from a funding angle. The Alabama Department of Human Resources licenses child care centers and sets the standards; this page does not interpret them. It covers how owners find licensing records, which ones a funding partner may ask for, and how to sequence licensing and funding for an expansion or a center purchase. - [Decatur, AL Business License, Step by Step for Gas Stations, Grocers and Diners](https://heathrunadvances.com/resources/decatur-al-business-license/): This guide from Heathrun Advances in Decatur, Alabama walks through the City of Decatur business license application and renewal, Morgan County, AL renewals, the Hartselle, AL license, building permits and zoning from a borrower's side. Rules, forms and fees belong to the issuing offices; confirm them through the City of Decatur website and the county and state offices before relying on them. - [Lease Factor Rate Calculator for Decatur, AL Machine Shops and Plants](https://heathrunadvances.com/resources/lease-factor-rate-calculator/): This worksheet from Heathrun Advances in Decatur, Alabama converts an equipment lease factor into a monthly payment and a total of payments, explains money factors, and shows how to set a lease quote beside a loan. It is arithmetic only on the numbers you supply, not an offer or a quote; funding partners set the actual factor and terms. ## Areas served - [Business Loans in Decatur, AL: Morgan County, AL Facts and Local Resources for Machine Shops and Plants](https://heathrunadvances.com/decatur-al/): Heathrun Advances is a small-business funding service listed at 123 2nd Ave NE, Decatur, AL 35601. Decatur, AL lies in Morgan County and Limestone County, Alabama. This page gathers county and ZIP-level business counts from the Census Bureau, explains the lender types available to local owners, and covers building permits, zoning, buying a business and economic development from a borrower's side. - [Areas Served From Decatur, AL: Morgan County, AL Towns for Machine Shops and Plants](https://heathrunadvances.com/service-areas/): Heathrun Advances, in Decatur, Alabama, takes funding requests by phone and online form from businesses across Morgan County, AL and nearby towns. This page names those places, gives ZIP-level Census business counts where they exist, and explains why a ZIP count is not a town count. - [Hartselle, AL Business Loans, South of Decatur, AL: Help From Heathrun Advances](https://heathrunadvances.com/service-areas/hartselle-al/): Heathrun Advances, based in Decatur, Alabama, takes funding requests by phone and online form from Hartselle, AL businesses, 11.6 miles south-southeast of the office in Morgan County, AL. ZIP 35640 had 445 employer establishments in 2023 (ZIP Code Business Patterns); the ZIP extends well beyond the city, which covers 15.5% of its land. ## Company - [Small Business Loans in Decatur, AL: Funding for Machine Shops and Plants](https://heathrunadvances.com/): Working from an office in Decatur, Alabama, Heathrun Advances helps small firms sort out funding. It takes requests by phone or through an online form, sorts each one by what the money buys and when the business earns it back, and hands it to funding partners, which review the request and decide on approval, amount and terms. Equipment financing for shops, kitchens and crews is its featured product. - [How to Get a Business Loan in Decatur, AL: Steps for Machine Shops and Plants](https://heathrunadvances.com/how-it-works/): Heathrun Advances takes funding requests from Decatur, Alabama businesses by phone or online form, talks through the cost and its timing, and passes the request to funding partners. Partners review it, may ask for records and make their own decision on any offer. This page explains each step, what banks and other lenders read, and what affects how long the process takes. - [Business Loan FAQ for Decatur, AL Plants, Kitchens and Service Crews](https://heathrunadvances.com/faq/): This page answers common business funding questions from Decatur, Alabama owners: which ratios lenders read, whether a business license is needed, what a loan can buy, what a commercial loan is, what affects timelines and how a line of credit works. Heathrun Advances passes requests to funding partners, which make their own decisions. - [About Heathrun Advances in Decatur, AL: Funding Help for Gas Stations, Grocers and Diners](https://heathrunadvances.com/about/): Heathrun Advances, at 123 2nd Ave NE in Decatur, Alabama, helps small businesses compare six kinds of funding. It takes requests by phone or online form, talks through the cost and its timing, and passes each request to funding partners, which review it and decide on approval, amount and terms. - [Reach Heathrun Advances, Decatur, AL: Funding Questions From Plumbers, HVAC Crews and Landscapers](https://heathrunadvances.com/contact/): Heathrun Advances is a small-business funding service at 123 2nd Ave NE, Decatur, AL 35601, reachable by phone at (256) 376-4693 or through the online request form. Both routes start with a conversation about the cost and when it earns back. - [Apply for a Business Loan in Decatur, AL: One Form for Plants, Kitchens and Service Crews](https://heathrunadvances.com/apply/): The Heathrun Advances request form collects full name, phone, email, company name and three range answers (time in business, annual revenue and requested amount), and ends with a required consent box. A funding partner reviewing the request may later ask for statements, returns and quotes before it decides. - [Disclosures From Heathrun Advances, Decatur, AL: Fees, Partners and Compensation](https://heathrunadvances.com/disclosures/): Heathrun Advances in Decatur, Alabama is a funding broker, not a lender. It passes funding requests to partners that review them and make their own decisions on approval and terms. A merchant cash advance is not a loan. Read every offer in full before signing. ## Optional - [Full text of every page](https://heathrunadvances.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://heathrunadvances.com/sitemap.xml)