Business Loans in Long Beach, MS for Home Builders, Repair Shops and Dental Offices

A home builder, auto repair shop or dental office in Long Beach, MS can call Rowancroft Lending or send the request form, and the request goes to funding partners who decide. The ZIP that carries the Long Beach name, 39560, held 295 employer establishments in 2023 (ZIP Code Business Patterns).

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In short

Long Beach, Mississippi sits in Harrison County. This page sets ZIP 39560 Census counts beside the license, lease and purchase records a funding partner can ask a Long Beach business for.

At a glance

  • ZIP 39560 employer establishments

    ZIP 39560: 295 employer establishments with 2,639 paid employees (ZBP 2023)

  • Self-employed residents, Long Beach, MS

    Long Beach, MS: 12.5% of employed residents self-employed (ACS 2020-2024)

Long Beach, MS business license: records a lender may ask a home builder for

A home builder based in Long Beach, MS that asks for equipment financing or a credit line should expect a partner to check that the business is licensed where it operates. Useful records: the current city business license, the state contractor license if the work requires one, proof of insurance, and the most recent renewal receipt.

ZBP 2023 assigns 36 construction employer establishments to ZIP 39560; 63.9% of them sit in the under-five-employee class. Long Beach lies wholly inside that ZIP, but the city covers only about half of the ZIP's land (50.5%), so the counts take in places outside the city as well.

Business for sale Long Beach, MS: a checklist for auto repair shops

Buying an existing auto repair shop in Long Beach, MS can be financed with a term loan, sometimes with the seller carrying part of the price. Before asking for funding, a buyer can gather:

  • Three years of the shop's tax returns and profit and loss statements.
  • An equipment list with the age of each lift, compressor and scan tool.
  • The building lease; a building sold with the shop is financed by a real estate lender, which Rowancroft does not arrange.
  • Customer and fleet account history, if the price depends on it.
  • The letter of intent setting the price and what it includes.

A partner values the shop on its earnings and its equipment. The term loans page covers acquisition financing in more detail.

Opening a dental office in Long Beach, MS: license and lease records in one file

A dentist opening or moving an office in Long Beach, MS can confirm the applicable city and state licenses with the relevant authorities, then review the lease and movable equipment with a partner; fixed build-out work is excluded. A partner can compare the lease with the equipment's useful life.

Health care and social assistance accounted for 23 of the 295 employer establishments in ZIP 39560 in 2023 (ZIP Code Business Patterns, NAICS 62), a sector that includes dental offices along with physician offices, therapy practices and child care.

How to lease commercial property in Long Beach, MS for a dental office

Leasing commercial space for a dental office in Long Beach, MS takes more than a standard retail lease. Before signing, the office can confirm:

  • Plumbing and electrical capacity for chairs, compressors and imaging.
  • Whether the landlord allows the build-out and who owns improvements at the end.
  • Lease length and renewal options to compare with the movable-equipment term; fixed build-out work is excluded.
  • Signage, parking and accessibility for patients.
  • Who pays taxes, insurance and common-area costs.

A partner reviewing movable equipment can ask for a signed lease during its own review; fixed build-out work is excluded, so the office can have its lawyer review a draft before signing.

Every sector in the ZIP 39560 count for Long Beach, MS, 2023

The table lists every sector the 2023 ZIP Code Business Patterns file shows for ZIP 39560. Self-employment adds context: 12.5% of employed Long Beach, MS residents worked for themselves (American Community Survey 2020-2024, margin of error 3.2 points).

ZIP 39560 employer establishments by sector, 2023 (ZIP Code Business Patterns)
SectorEstablishments
Retail trade53
Accommodation and food services48
Construction36
Other services30
Health care and social assistance23
Professional, scientific and technical services22
Real estate and rental and leasing18
Finance and insurance15
Wholesale trade13
Manufacturing12
Administrative, support and waste services11
Transportation and warehousing4
Arts, entertainment and recreation4
Educational services3

Communities near Gulfport covers Biloxi and other places nearby, and the Gulfport, MS page carries Harrison County, MS figures. Funding by trade lists county counts for the trades with their own pages.

Work Types a Partner Can Review Close to Long Beach, MS

A funding request can come from a Long Beach, MS business of almost any kind, with law firms, child day care providers, construction contractors and accounting firms among them. The partner that picks up the request looks at the full picture before deciding anything.

Bank and Tax Papers to Prepare for a Long Beach, MS Business

  • Recent statements for the operating account covering the latest full months
  • The company's most recent tax return, ideally with every schedule attached
  • An up-to-date income statement plus the latest balance sheet figures
  • A valid ID with a photo for every person who owns part of the business
  • Your state business registration and the EIN letter issued by the IRS
  • A list of the loans and leases already in place plus each lender and payment amount

Partners differ in the papers they want, so treat this list as a baseline.

What to Expect Next for a Business in Long Beach, MS

  1. Contact the office at (228) 261-9974 or send the short form; the purpose comes up when a partner reviews the request.
  2. The details then travel to partners so the selected partner can review the request.
  3. A partner reads through the request and decides on its own criteria.
  4. If a partner sends an offer, review the full cost, payments and terms, then decide for yourself.

Owners of Long Beach, MS businesses can work by phone or online from start to finish.

By Rowancroft Lending ยท Updated

A Long Beach, MS Practice or Shop With a Purchase in Mind? Call Rowancroft

Call (228) 261-9974 or open a request with the form.

(228) 261-9974

Start a Request

Answers on the Basics Before You Apply

  • Do ZIP 39560 figures describe only Long Beach, MS?

    No. All of Long Beach lies in ZIP 39560, but the ZIP also reaches beyond the city, which covers about half of its land. The counts describe the ZIP as a whole.

Places Worth a Look Near Long Beach, MS

An owner in Gulfport, MS or a nearby community can phone or send the request form; the community pages carry ZIP-labeled Census counts.

All nearby communities

Hand-picked Pages to Read

  • The nearby community page

    Business loans in Biloxi, MS for repair shops, home builders and physician offices: ZIP 39532 employer counts, license records, buying a business and leasing space.

Harrison County, MS Employers, No-Payroll Businesses and Permitted Housing

  • 4,368

    Employer establishments

    Locations of Harrison County, MS businesses that had paid employees during 2023.

    Source: U.S. Census Bureau, County Business Patterns 2023
  • 18,263

    Businesses without paid employees

    Harrison County, MS businesses with receipts but no payroll, counted by Nonemployer Statistics.

    Source: U.S. Census Bureau, Nonemployer Statistics 2024
  • 45.9%

    Employers with fewer than five employees

    Share of Harrison County, MS employer establishments that reported fewer than five employees.

    Source: U.S. Census Bureau, County Business Patterns 2023
  • 2,294

    Housing units permitted in 2025

    New privately owned housing units authorized by building permits in Harrison County, MS.

    Source: U.S. Census Bureau, Building Permits Survey 2025
HomeFundingTrades(228) 261-9974