Marbleharbor Advances, a small-business funding broker in Franklin, Tennessee, works with Williamson County owners from 118 4th Ave S. ZIP 37064 had 2,285 employer establishments in 2023, 59.1 percent with fewer than five employees (Census ZIP Code Business Patterns). This page covers local data, city and county records and free advising; lending partners make every credit decision.
| Office address | 118 4th Ave S, Franklin, TN 37064 |
|---|---|
| County | Williamson County, Tennessee |
| ZIP 37064 employers | 2,285 establishments, 28,456 paid employees (Census ZBP 2023) |
| County employers | 8,707 establishments; 54.5% with fewer than five employees (Census CBP 2023) |
| No-payroll businesses | 35,479 in Williamson County (Census NES 2024) |
| Self-employed residents | 13.2% of Franklin, TN workers, plus or minus 1.5 (ACS 2020-2024) |
Where the office sits in Franklin, TN
Marbleharbor Advances' office address is 118 4th Ave S, Franklin, TN 37064, phone (629) 222-3797. The U.S. Census Bureau geocoder places the address inside the city of Franklin, in Williamson County, Tennessee. Franklin is a common place name: more than two dozen other U.S. places share it, and many states have a Franklin County. This site means Franklin, Tennessee, part of the Nashville-Davidson--Murfreesboro combined statistical area.
Franklin, TN spreads across three ZIP codes of its own. About 58.8 percent of the city's land lies in ZIP 37064, 28.0 percent in 37067 and 12.5 percent in 37069. The reverse matters too: the city covers only 13.7 percent of ZIP 37064's land (U.S. Census Bureau, 2020 ZCTA-to-place relationship file). A Franklin mailing address therefore does not mean a business is inside city limits, which affects which local records apply to it.
ZIP 37064 by the Census numbers
ZIP Code 37064 held 2,285 employer establishments in 2023, with 28,456 paid employees and an annual payroll of about $1.95 billion. Of those establishments, 59.1 percent had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023).
| Sector | Establishments | Share under 5 employees |
|---|---|---|
| Professional, scientific and technical services | 372 | 75.8% |
| Retail trade | 256 | 44.5% |
| Other services (repair, personal care, etc.) | 205 | 58.5% |
| Arts, entertainment and recreation | 188 | 78.2% |
| Construction | 186 | 63.4% |
| Accommodation and food services | 174 | 20.7% |
| Health care and social assistance | 171 | 43.9% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023. Professional and technical firms lead the count and are overwhelmingly very small, while food and accommodation establishments are mostly larger employers. That split shapes the funding questions: the first group usually needs flexible cash for billing gaps, the second usually asks about payroll and kitchen equipment.
Williamson County, TN by employer size
| Employees | Establishments |
|---|---|
| Fewer than 5 | 4,741 |
| 5 to 9 | 1,461 |
| 10 to 19 | 1,067 |
| 20 to 49 | 890 |
| 50 to 99 | 300 |
| 100 or more | 248 |
Source: U.S. Census Bureau, County Business Patterns 2023 (8,707 employer establishments in all). Health care and social assistance had the county's largest payroll, about $2.24 billion, and professional, scientific and technical services the most establishments, 1,322. Separately, 35,479 Williamson County businesses had no paid employees in 2024 (U.S. Census Bureau, Nonemployer Statistics 2024); that count comes from a different program and year and should not be added to the employer figure.
Self-employment in Franklin, TN and Williamson County, TN
An estimated 13.2 percent of Franklin's employed residents were self-employed (margin of error plus or minus 1.5 points): 4.7 percent in incorporated businesses of their own and 8.5 percent in unincorporated ones. Across Williamson County the estimate was 14.4 percent (plus or minus 1.0), against 9.8 percent (plus or minus 0.2) for Tennessee as a whole (U.S. Census Bureau, American Community Survey 2020-2024). Even at the edges of their margins, both the city and county estimates sit above the statewide figure.
Many of these owners run unincorporated businesses, where a partner reviewing a funding request leans heavily on the owner's personal credit and bank history. The six-option comparison notes which structures depend most on the owner.
Building activity in Williamson County, TN
Building permits in Williamson County authorized 1,432 new privately owned housing units in 2023, 1,994 in 2024 and 1,621 in 2025, of which 1,286 were single-unit homes (U.S. Census Bureau, Building Permits Survey). These counts cover new residential units only, not commercial work or remodels, but they track the demand that keeps the county's framing, roofing, electrical and finishing trades busy, and with it their need for equipment financing and working capital between draws.
City and county records for Franklin, TN businesses
Three sets of records usually matter. The Tennessee Secretary of State's business services hold the company's formation and status records. The City of Franklin and Williamson County official websites are the starting points for local licensing and permits; which of the two applies depends on where the business actually operates, not its mailing address.
The Franklin, TN business license guide walks through the city-versus-county question and the records partners compare.
Free help near Franklin, TN
- Tennessee Small Business Development Center. The TSBDC centers page lists the network's locations for no-cost advising.
- U.S. Small Business Administration. The SBA's Tennessee district page describes federal small-business programs.
- City of Franklin. The city's official website for city services and departments.
None of these organizations is affiliated or partnered with Marbleharbor Advances. The Williamson County resources page describes each in more detail.
Which local sectors ask for which funding
Each of the sectors that lead ZIP 37064 tends to raise its own question. Professional firms billing in arrears often weigh a line of credit. Retailers buying ahead of a season look at inventory financing. Practices and contractors ask about equipment. The sector pages cover construction, restaurants and medical and dental practices in detail.
Towns around Franklin, TN
Owners in Brentwood, Nolensville, Spring Hill, Fairview, Kingston Springs and La Vergne work with the same broker by phone and online, as do businesses in smaller nearby places. The areas page lists each with its own figures. About Marbleharbor Advances explains who we are, and the contact page has the phone number.
Franklin, TN businesses we help
For Franklin, TN owners, Marbleharbor Advances focuses on the sectors our lending partners have confirmed they fund: contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock. Approval is never automatic for any sector.
Documents to have ready
- Business checking statements covering roughly the last quarter or two
- Your most recent business tax return
- A year-to-date profit and loss statement and balance sheet
- Photo ID for every owner of the business
- Formation documents and your EIN
- Details of any loans, leases or advances the business already carries
Each lending partner sets its own list, so treat this as a starting point.
The steps after your first call
- It starts with a call to (629) 222-3797 or the short contact form. On the phone we cover the purpose of the funds, time in business and approximate monthly revenue.
- We explain which funding types fit that use and what partners usually need to see. Nothing is submitted without your go-ahead.
- Once you agree, the request goes to partners that provide that type of funding. The credit decision belongs to each partner.
- Any offer comes from the partner. Read the total cost, the payment schedule and the terms before deciding; turning it down is always an option.
Marbleharbor Advances is based at 118 4th Ave S, Franklin, TN 37064.
By Marbleharbor Advances · Updated