Rainhaven Business Funding, a small-business funding broker in Columbia, Tennessee, serves Mount Pleasant, TN businesses over the phone and through its online form. ZIP 38474 had 136 employer establishments in 2023, led by manufacturing and retail. Rainhaven introduces requests to lending partners, which make credit decisions and set rates and terms.
| County | Maury County, TN |
|---|---|
| Distance | Roughly 9.7 miles west-southwest (straight line) |
| ZIP 38474 employers | 136 employers (2023 ZBP) |
| ZIP 38474 employees | 2,020, with $113.2 million in annual payroll |
| Fewer than five employees | 40.4 percent of employers in 38474 |
| Office | One address, on South Garden Street in Columbia, TN |
A town that straddles two ZIP codes
Mount Pleasant is an incorporated city inside Maury County, Tennessee. Its own postal ZIP is 38474, but the town does not sit wholly inside it: about two thirds of the city's land is in 38474 and about a third is in 38401, the Columbia, TN ZIP that also contains Rainhaven's address (U.S. Census Bureau, 2020 ZCTA-to-place relationship file). At the same time Mount Pleasant covers only about 7.9 percent of ZIP 38474's land, so the ZIP figures below describe the town together with the countryside around it.
That matters when a lending partner asks where a business is located: a Mount Pleasant business may carry either ZIP on its paperwork, and the address should match on every document.
ZIP 38474 in Census business data
ZIP 38474 had 136 employer establishments in 2023, employing 2,020 people with $113.2 million in annual payroll (U.S. Census Bureau, ZIP Code Business Patterns 2023). Only 40.4 percent of those establishments had fewer than five employees, against 49.8 percent across Maury County, so employers in this ZIP run somewhat larger than the county norm. Manufacturing alone accounts for 25 of the 136, while countywide it is 102 of 2,069 (U.S. Census Bureau, County Business Patterns 2023).
| Sector | Establishments | Share under five employees |
|---|---|---|
| Manufacturing | 25 | 20.0% |
| Retail trade | 25 | 28.0% |
| Construction | 15 | 46.7% |
| Health care and social assistance | 14 | 35.7% |
| Accommodation and food services | 13 | 38.5% |
| Other services | 13 | 69.2% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023. Manufacturing ties retail for the most establishments here, but manufacturing is outside the sectors Rainhaven's partners cover; retailers, contractors, restaurants and medical and dental practices are inside them.
Self-employment: too small a sample to quote
The American Community Survey does publish a self-employment estimate for Mount Pleasant residents, but its margin of error is more than eight percentage points either way, so it is not a reliable figure for comparison. For the wider picture, 8.4 percent of employed residents across Maury County are self-employed (plus or minus 1.1 points; U.S. Census Bureau, ACS 2020-2024).
Typical funding questions from a mixed small-town ZIP
- A retailer stocking up before a busy stretch, usually an inventory or line-of-credit question.
- A contractor carrying payroll between progress draws, a working capital question.
- A small restaurant replacing a cooler or range, an equipment question.
- A clinic adding a chair or imaging, also an equipment question.
Each structure is repaid differently, so the first step is always the purpose, not the product.
Local registration questions
Partners may ask for a current business license and, for a build-out, permits. Confirm with the City of Mount Pleasant, TN and Maury County which apply to your business and location.
Mount Pleasant, TN owners: how to reach Rainhaven
Phone (931) 213-5647 or use the short form; we ask about the purpose when we call. Rainhaven has one address, at 817 S Garden St in Columbia, TN, and no staff in Mount Pleasant. The Maury County snapshot has county-wide figures, the wider area lists other towns, and equipment financing covers the machines and fixtures that come up most.
Who Rainhaven Business Funding works with in Mount Pleasant, TN
Our partners have confirmed appetite for four kinds of business: contractors and construction trades, restaurants and food service, medical and dental practices, and retailers and wholesalers that carry stock. If your Mount Pleasant, TN business is something else, call and ask before you spend time on paperwork.
Paperwork partners commonly ask for
- The last three to six months of business bank statements
- Business and personal tax returns for the latest year
- A year-to-date profit and loss statement and balance sheet
- Proof of ownership and business registration
- A list of existing business debts and payments
- The equipment quote, contract or purchase order the funding is for
Partners differ in what they request; this list covers the usual ground.
From first call to a partner's decision
- Reach us at (931) 213-5647 or through the contact form. When we call back, the first questions are simple: what the funding is for, how long the business has operated and its rough revenue.
- You hear which options match the need and what a partner will likely want to review. We submit nothing without your approval.
- With your permission, we take the request to lending partners that offer that kind of funding. Each partner reviews it and makes its own credit decision.
- When an offer arrives, weigh its full cost, how payments are scheduled and the conditions. Accepting is entirely your choice.
Our address: 817 S Garden St, Columbia, TN 38401.
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