# Hillfield Financial > Hillfield Financial is a small-business funding broker at 1223 E Jackson Ave, Oxford, MS 38655 (phone (662) 238-8546). It helps businesses in Oxford, MS and across Lafayette County, Mississippi, explore business term loans, working capital loans, business lines of credit, equipment loans and leases, inventory financing, and merchant cash advances. Hillfield Financial takes business funding requests and passes them to funding partners; each partner reviews a request on its own and sets any approval, amount, price and terms. Hillfield Financial is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Hillfield Financial does not arrange personal, payday, auto title or mortgage loans, does not offer grants, and does not arrange funding for trucking or agriculture. Key facts: - Business type: small-business funding broker (not a lender) - Address: 1223 E Jackson Ave, Oxford, MS 38655, United States - Phone: (662) 238-8546 - Apply: https://hillfieldfinancial.com/apply/ - Places: Oxford, MS and all of Lafayette County, Mississippi - Language: English ## Funding options - [Types of Business Loans for Oxford, MS Clothing Boutiques and Therapy Offices](https://hillfieldfinancial.com/business-loans/): This Hillfield Financial page from Oxford, Mississippi compares the six funding types side by side, then answers whether equipment financing is a loan, what an MCA is, secured versus unsecured loans and how term loans and credit lines differ. - [Working Capital Loans for Restaurants and Law Firms in Oxford, MS, Week to Week](https://hillfieldfinancial.com/business-loans/working-capital/): A working capital request from an Oxford, Mississippi owner goes through Hillfield Financial to funding partners. This page covers lender types, how long working capital loans run, what they can pay for, cash flow term loans and sizing a payroll gap. - [Business Term Loans for Oxford, MS Therapy Offices Buying, Building or Expanding](https://hillfieldfinancial.com/business-loans/term-loans/): A practice, boutique or firm in Oxford, Mississippi can send a term loan request to funding partners through Hillfield Financial. This page covers acquisition loans, down payments, commercial term loans, how installments work and when a credit line fits better. - [Business Lines of Credit in Oxford, MS for Clothing Boutiques With Uneven Months](https://hillfieldfinancial.com/business-loans/line-of-credit/): An Oxford, Mississippi owner can ask funding partners for a credit line through Hillfield Financial. This page covers how lines work for boutiques and therapy offices, limits, renewals, draw periods, what a request includes, whether a line is worth it and how to raise one. - [Inventory Financing in Oxford, MS for Clothing Boutiques Buying Ahead of Demand](https://hillfieldfinancial.com/business-loans/inventory-financing/): An Oxford, Mississippi boutique that needs to fund stock can send the request through Hillfield Financial to funding partners. This page explains how inventory financing works, what to ask providers, a worked example, and why purchase order financing rarely fits a therapy office. - [Equipment Financing in Oxford, MS: Dental Chairs, Kitchen Lines and Excavators](https://hillfieldfinancial.com/equipment-financing/): Hillfield Financial in Oxford, Mississippi passes equipment requests to funding partners. This page covers contractor attachments, salon chairs, refurbished dental equipment, finance agreements versus loans, and two lease types with worked examples. - [Merchant Cash Advances in Oxford, MS for Clothing Boutiques and Therapy Offices With Card Sales](https://hillfieldfinancial.com/merchant-cash-advance/): An Oxford, Mississippi shop or office can ask providers for a card-sales advance through Hillfield Financial. This page explains factor rates with a worked example, compares advances with revenue-based financing and credit lines, and covers how collection works. ## Industries - [Restaurant Loans for Oxford, MS Restaurants: Dish Machines, Ice Makers and Dining Room Furniture](https://hillfieldfinancial.com/industries/restaurants/): Hillfield Financial in Oxford, Mississippi matches full-service and limited-service restaurant costs, from kitchen repairs to dining room furniture, with equipment financing, working capital or a card-sales advance, and sends the request to funding partners. - [Oxford, MS Medical Practice Loans: Point-of-Care Labs, Imaging and Insurance Lag](https://hillfieldfinancial.com/industries/medical-practices/): Hillfield Financial in Oxford, Mississippi sets out how offices of physicians in Lafayette County fund buy-ins, equipment and claim gaps, using County Business Patterns and Nonemployer Statistics counts for NAICS 6211. - [Oxford, MS Dental Office Loans: Panoramic X-ray, Sterilization Centers and Buy-Ins](https://hillfieldfinancial.com/industries/dental-practices/): Hillfield Financial in Oxford, Mississippi explains how offices of dentists in Lafayette County pay for equipment, new operatories, transitions, acquisitions and refinancing, with County Business Patterns figures for NAICS 6212. - [Business Loans for Retail in Oxford, MS: Card-Sales Dips, Supplier Terms and New Fixtures](https://hillfieldfinancial.com/industries/retail/): Hillfield Financial in Oxford, Mississippi explains how Lafayette County stores, from furniture showrooms to clothing boutiques, fund stock, fixtures and storefront moves, using 2023 County Business Patterns and 2024 Nonemployer Statistics counts for retail trade. - [Oxford, MS Financing for Contractors: Roof Tear-Offs, Shingle Orders and Crew Payroll](https://hillfieldfinancial.com/industries/construction/): Hillfield Financial in Oxford, Mississippi lays out equipment, payroll and draw-gap funding for Lafayette County builders and specialty trade contractors, with County Business Patterns, Nonemployer Statistics and building permit figures. - [Business Loans for Real Estate Agents in Oxford, MS: Transaction Software and Slow Closing Months](https://hillfieldfinancial.com/industries/real-estate-agents/): Hillfield Financial in Oxford, Mississippi explains how real estate agent offices (NAICS 5312) in Lafayette County fund marketing, offices, recruiting and the months between closings with lines of credit and working capital. Mortgages and property loans are not arranged here. - [Oxford, MS Law Firm Loans: Partner Buy-Ins and Case Expenses](https://hillfieldfinancial.com/industries/law-firms/): Hillfield Financial in Oxford, Mississippi explains how legal services firms in Lafayette County fund case costs, buy-ins, hiring and office moves, using County Business Patterns and Nonemployer Statistics counts for NAICS 5411. - [Accounting Firm Loans in Oxford, MS: CPA Office Moves, Software and Staff Hiring](https://hillfieldfinancial.com/industries/accounting-firms/): Hillfield Financial in Oxford, Mississippi covers how accounting, tax preparation, bookkeeping and consulting firms in Lafayette County fund equipment, staff, mergers and office moves, with County Business Patterns counts for NAICS 5412, 5416 and 5413. - [Oxford, MS Chiropractic Practice Loans: Chiropractic X-ray, Decompression Tables and Rehab Equipment](https://hillfieldfinancial.com/industries/chiropractic-and-therapy-practices/): Hillfield Financial in Oxford, Mississippi explains equipment, office furniture and claim-gap funding for chiropractic, physical therapy, optometry and other practitioner offices in Lafayette County, using County Business Patterns and Nonemployer Statistics counts for NAICS 6213. - [Business Loans by Industry for Oxford, MS: From Physician Offices to Restaurants](https://hillfieldfinancial.com/industries/): This Hillfield Financial hub in Oxford, Mississippi lists nine trade pages and adds Census notes on auto repair shops, clothing boutiques, salons, landscapers, lodging, fitness centers and child care in Lafayette County. ## Tools and calculators - [Oxford, MS Small Business Guides for Clothing Boutiques and Therapy Offices](https://hillfieldfinancial.com/resources/): Hillfield Financial in Oxford, Mississippi keeps its planning material here: loan preparation, a plan outline, a documents checklist and a term loan repayment schedule calculator. - [Term Loan Repayment Schedule Calculator for Oxford, MS Practices and Shops](https://hillfieldfinancial.com/resources/term-loan-repayment-schedule-calculator/): Built by Hillfield Financial in Oxford, Mississippi, this calculator shows a term loan's installment and total interest, with a worked repayment schedule, a rate comparison and an example of how fees change the true cost. ## Communities near Oxford, MS - [Oxford, MS Business Loans: Lafayette County, MS Facts, Local Lenders and Therapy Offices](https://hillfieldfinancial.com/oxford-ms/): This Hillfield Financial page sets Oxford, Mississippi funding questions beside Census counts for ZIP 38655 and Lafayette County. This page covers lender types, loans by purpose, licenses, planning approvals and the local employer counts. - [Business Loans for Therapy Offices and Dental Offices in Towns Near Oxford, MS](https://hillfieldfinancial.com/service-areas/): Owners in University, Water Valley, Batesville, Sardis and other places near Oxford, Mississippi can send requests to Hillfield Financial the same way. This page covers what to check before buying or leasing commercial space, and ZIP Code Business Patterns figures for University, Water Valley, Batesville and Sardis. ## Company - [Small Business Loans for Oxford, MS Physician Offices, Restaurants and Law Firms](https://hillfieldfinancial.com/): Hillfield Financial works from Oxford, Mississippi: a Lafayette County practice, boutique, kitchen or firm can send it a funding request, and it passes the request to funding partners. This page compares term loans with credit lines, equipment loans with leases, and explains what a business plan should show. - [How to Get a Business Loan for Your Oxford, MS Boutique: From Call to Offer](https://hillfieldfinancial.com/how-it-works/): This Hillfield Financial page from Oxford, Mississippi walks through a funding request from the first call to a partner's offer, then covers underwriting, credit scores, qualifying, requirements and the documents a practice should gather. - [Oxford, MS Business Loan Questions for Clothing Boutiques and Therapy Offices](https://hillfieldfinancial.com/faq/): Hillfield Financial in Oxford, Mississippi answers common first questions about business funding: tax treatment of line interest, how long a line stays open, EINs, credit inquiries, equipment debt, and who decides on a request. - [About Hillfield Financial: How Oxford, MS Clothing Boutiques Can Apply for Business Funding](https://hillfieldfinancial.com/about/): Hillfield Financial has its office at 1223 E Jackson Ave, Oxford, MS 38655. A practice, boutique, kitchen or firm in Lafayette County can send it a funding request, and Hillfield Financial passes that request to funding partners. - [Contact Hillfield Financial About a Business Loan for Your Oxford, MS Boutique](https://hillfieldfinancial.com/contact/): Owners across Lafayette County, Mississippi reach Hillfield Financial through one phone number or the request form. Questions worth asking about a business loan offer are listed on this page too. - [Business Loan Application for Oxford, MS Clothing Boutiques and Therapy Offices](https://hillfieldfinancial.com/apply/): Below is the form an owner in Oxford, Mississippi or a nearby town can use to send Hillfield Financial a business funding request, with a checklist of the documents a funding partner may ask for later. - [Disclosures for Hillfield Financial, Oxford, MS](https://hillfieldfinancial.com/disclosures/): Hillfield Financial of Oxford, Mississippi brokers small-business funding requests; it does not lend. ## Optional - [Full text of every page](https://hillfieldfinancial.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://hillfieldfinancial.com/sitemap.xml)