Communities near Pascagoula, Mississippi, in Jackson County and across the Alabama line: payroll for two added preparers, back-office laptops and scanners, restaurant payroll, a second tire store and contract-job fixtures, with ZIP counts.
Payroll for two added preparers at an Escatawpa, MS accounting office
An accounting office in Escatawpa, MS, an unincorporated Jackson County community, adds two temporary preparers for the months when most returns are finished. The office bills clients as returns are finished, and the payments arrive weeks later.
Illustration only, invented figures: the two preparers add $5,180 to each biweekly payroll, and the first batch of client payments arrives 38 days after the first added payday. Depending on the calendar, 2 or 3 of those paydays land before the payments do, $10,360 to $15,540 of added payroll. A line of credit drawn on each payday and cleared as clients pay is one fit; a short working capital loan is another.
Laptops and sheet-fed scanners for a Gautier, MS quick-service restaurant group's office
A quick-service restaurant group that keeps its books, scheduling and ordering in a small Gautier, MS office may replace the computers there all at once rather than one at a time.
Illustration only, invented figures: six laptops at $1,140 each and two sheet-fed scanners for supplier invoices at $585 each, $8,010 in all. Spread across 24 payments at 13.05% a year, the laptops and scanners run $381.00 each month, with $1,134.00 of interest in all.
Laptops and scanners are movable equipment, so the request covers them and nothing about the office space itself.
Sit-down restaurant payroll in Grand Bay, AL and Theodore, AL, across the line from Jackson County, MS
Grand Bay and Theodore are unincorporated communities (Census designated places) in Mobile County, AL. ZIP 36541, which carries the Grand Bay name and reaches well beyond the community, had 145 employer establishments in 2023, and ZIP 36582, named for Theodore, had 590. Accommodation and food services establishments numbered 11 in the first ZIP and 31 in the second (ZIP Code Business Patterns).
Illustration only, invented figures: a sit-down restaurant in either community runs an $11,460 biweekly payroll and waits 31 days for a large catering client to pay. Depending on the calendar, 2 or 3 paydays land before the client pays, so the restaurant has $22,920 to $34,380 of payroll to carry.
The state line is the difference here. A funding partner may or may not fund Alabama businesses, so a call from Grand Bay or Theodore starts with the business's state, and the partner decides from there. The same goes for a business in the city of Bayou La Batre, AL or on Dauphin Island, AL.
A second store in Jackson County, MS: funding for businesses in nearby communities
Moss Point, MS has its own page, with Moss Point business loans worked through for a second repair shop, a florist's coolers and a gas station store's renewal. Gautier, MS, also a city in Jackson County, gets a paragraph here instead of a page.
ZIP 39553, which carries the Gautier name, held 236 employers in 2023 (ZIP Code Business Patterns). Retail trade had the most establishments at those addresses, 55. Among Gautier residents, 8.3% (±2.6) of the employed were self-employed (ACS 2020-2024).
Illustration only, invented figures: a Moss Point tire shop opening a second store in Gautier buys a wheel balancer and a tire changer for $12,870. The shop finances both at an 11.7% annual rate for 42 months: $374.91 a month, $15,746.22 across the schedule and $2,876.22 in interest. Equipment financing covers both machines.
Contract-job fixtures in Vancleave, MS, an unincorporated Jackson County, MS community
On Census maps Vancleave is a census designated place, with no municipal government of its own. ZIP 39565, which carries its name and reaches well beyond it, had 149 employer establishments in 2023, 51.7% of them with fewer than five employees; construction had the most, 30 (ZIP Code Business Patterns).
Illustration only, invented figures: a Vancleave plumbing contractor buys $18,460 of fixtures, pipe and other parts for a contract job and is paid 47 days later. A line of credit draw at a 13.45% annual rate over those 47 days costs about $319.71 in simple interest, and the line is paid down when the job pays.
Escatawpa, Helena and Gulf Park Estates are unincorporated Jackson County, MS communities too. A shop or office in any of them calls the same Pascagoula number, (228) 283-6705, and the Pascagoula, MS page carries the Jackson County, MS figures.
By Deerbrook Lenders · Updated
