Contractor business loans in Lumberton, NC: payroll between draws, equipment, lines of credit, and Robeson County, NC construction counts.
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Contractors and builders
132 construction employer establishments, 58.3% of them under five employees. Payroll runs weekly while draws and final invoices pay weeks later, which is why working capital and lines of credit sit next to equipment financing for trucks and machines. Read the contractor business loans page.
ZIP Code Business Patterns lists 41 construction employers with a ZIP 28358 address in 2023, and Nonemployer Statistics counted 1,749 construction businesses without paid employees in 2024, a separate program.
Cleaning business loans: a Lumberton, NC primer
Janitorial services counted 5 employer establishments in 2023; Nonemployer Statistics counted 657 janitorial businesses with no paid employees in 2024, a separate program. Cleaning crews buy floor machines, vans and supplies and wait on monthly contract invoices; working capital covers that wait.
Of the five employers, three had fewer than five employees. A floor scrubber or van quote can go to equipment financing on its own, apart from the contract-invoice gap.
Residential builders
22 residential building employer establishments, and 480 residential builders with no paid employees (Nonemployer Statistics 2024, separate). Builders carry lots, materials and subcontractor bills until a house closes; working capital carries that stretch.
Seventeen of the 22 had fewer than five employees and eight had a ZIP 28358 address (2023). Robeson County, NC permits authorized 399 new housing units in 2025, 291 of them single-unit (Census Building Permits Survey).
Electrical contractors
21 electrical contractor employer establishments, 66.7% of them under five employees. Bucket trucks, trenchers and testing gear are the machines; wire and panels are the materials. Machines fit equipment financing; materials fit working capital.
Payroll for the 21 came to $5.7 million in 2023, about $50,300 per employee by our arithmetic, and five carried a ZIP 28358 address. Nonemployer Statistics counted 120 electricians without paid employees in 2024.
Plumbing, heating and AC contractors
15 plumbing, heating and air-conditioning employer establishments with 127 employees. Service vans, recovery machines and stocked parts are the costs, and service calls and installs bill on different schedules. A line of credit follows the mix.
Nine of the 15 had fewer than five employees and five carried a ZIP 28358 address (County and ZIP Code Business Patterns 2023). Nonemployer Statistics counted 103 plumbing and HVAC businesses without paid employees in 2024, a separate count.
Nonresidential builders
11 nonresidential building employer establishments. Commercial jobs can run for months, carry retainage and pay by draw; a builder may need bonding capacity as well as cash. Larger fixed needs, such as a yard or a crane, fit a term loan.
Five of the 11 had fewer than five employees, and four carried a ZIP 28358 address in 2023. Nonemployer Statistics counted 102 nonresidential builders without paid employees in 2024.
Roofing contractors
3 roofing employer establishments in the 2023 count; one-person roofers are outside it. Shingles, underlayment and dumpsters are bought before an owner or insurer pays. Working capital covers the gap between material invoices and payment.
Nonemployer Statistics does not publish roofers alone for the county; its broader group of foundation, structure and exterior contractors counted 258 businesses without paid employees in 2024. Bring supplier invoices and the job schedule to a request.
Landscaping services
15 landscaping employer establishments, and 422 landscapers with no paid employees (Nonemployer Statistics 2024, separate). Mowers, trailers and skid steers are the core purchases and can secure their own financing; see equipment financing.
Ten of the 15 employers had fewer than five employees. By our arithmetic from Nonemployer Statistics 2024, the 422 landscapers without employees reported $8.0 million in receipts, about $19,000 each.
Stores, groceries and auto sales in Robeson County, NC
Stock and fixtures are bought before the register pays them back.
Grocery store financing in Lumberton, NC for stock, refrigeration and remodels, including stores selling alcohol, with Robeson County, NC counts.
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Retail stores
377 retail employer establishments, the most of any sector in the county. Stock, shelving, coolers and remodels are the recurring bills, and inventory financing ties borrowing to the goods themselves. Store types, from general merchandise to furniture, are on the retail store business loans page.
ZIP Code Business Patterns puts 191 retail employers at a ZIP 28358 address in 2023; Nonemployer Statistics, a separate program, counted 640 retailers without paid employees in 2024.
Gas stations and convenience stores
81 gasoline stations and 21 convenience stores without fuel. Fuel loads, dispensers, tanks and coolers each call for a different structure, and buying a station adds the real estate to the request. See the gas station loans page.
Of the 81 stations, 42 had fewer than five employees and 38 carried a ZIP 28358 address (County and ZIP Code Business Patterns 2023). Of the 21 convenience stores, 20 were under five employees.
Grocery stores
52 grocery stores with employees, employing 1,286 people. Weekly orders and refrigeration are the two big bills. The grocery store financing page has the rest.
That 52 is the whole NAICS 4451 group, which includes the 21 convenience stores noted above; by our arithmetic 31 are supermarkets and other grocers. Group payroll was $27.1 million in 2023 (County Business Patterns), and 18 stores carried a ZIP 28358 address.
General merchandise stores
46 general merchandise stores with employees (NAICS 452319), covered on the retail page. Broad stock bought in volume is the main cost, and stock can secure inventory financing.
Only three of the 46 had fewer than five employees, and 16 carried a ZIP 28358 address (County and ZIP Code Business Patterns 2023). The group employed 434 people with $7.3 million in payroll. Store resets and fixtures are a second, equipment-style bill.
Auto parts and tire stores
30 auto parts and tire stores with employees. A parts wall and a tire rack tie up money in slow- and fast-moving stock together; inventory financing can carry the stock while sales replace it.
Of the 30, 12 had fewer than five employees and 15 carried a ZIP 28358 address in 2023. Their payroll was $8.0 million, about $266,400 per store by our arithmetic (County Business Patterns).
Clothing and accessories stores
26 clothing and accessories stores with employees, 19 of them in ZIP 28358. Stock is sized, colored and dated, so partners read sell-through. The boutique notes are on the inventory financing page.
Nine of the 26 had fewer than five employees; payroll for the group was $4.2 million in 2023. Nonemployer Statistics counted 71 clothing sellers without paid employees in 2024, a separate count.
Automobile dealers
25 automobile dealer employer establishments with 537 employees. Vehicle stock is often carried on a dealer floor plan; a line of credit can cover reconditioning and payroll alongside it.
Nine of the 25 had fewer than five employees, and 15 carried a ZIP 28358 address (County and ZIP Code Business Patterns 2023). Payroll reached $32.2 million, about $1.29 million per dealer by our arithmetic; Nonemployer Statistics counted 55 dealers without paid employees in 2024.
Building material and garden dealers
15 building material and garden supply dealers with employees. Forklifts, delivery trucks and yard equipment are financeable with equipment financing; lumber and supplies are stock.
Their 370 employees drew $12.8 million in payroll in 2023, and only four of the 15 had fewer than five employees (County Business Patterns). Nine carried a ZIP 28358 address. When contractor customers buy on account, a line of credit can cover the wait for payment.
Furniture and home furnishings stores
13 furniture and home furnishings stores with employees. Floor stock is bulky and ordered ahead; a line of credit lets a store draw for each order and pay down as pieces sell.
Five of the 13 had fewer than five employees and ten carried a ZIP 28358 address (2023). Nonemployer Statistics counted 16 furniture and home furnishings retailers without paid employees in 2024, a separate count.
Kitchens, cafes and lodging in Robeson County, NC
Weekly payroll, heavy equipment and card receipts.
Hotel financing in Lumberton, NC for buying a motel, room refreshes, equipment and payroll, with Robeson County, NC lodging counts.
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Restaurants and eating places
55 full-service and 83 limited-service restaurants with employees. Kitchen equipment is the big purchase; payroll is the steady one. Hoods, walk-ins and fryers can secure their own financing. Everything else is on the restaurant financing page.
By our sum that is 138 restaurants with employees in Robeson County, NC (County Business Patterns 2023). By our sum of 36 full-service and 44 limited-service, 80 carry a ZIP 28358 address, and only 26, by our sum of 11 and 15, had fewer than five employees.
Hotels and motels
25 hotels and motels with employees. Purchases, room refreshes and franchise improvement plans are the larger bills; payroll between booking settlements is the steady one. See the hotel financing page.
Six of the 25 had fewer than five employees and 14 carried a ZIP 28358 address (2023). Payroll for the group was $6.1 million, about $16,600 per employee by our arithmetic; the count includes part-time staff, so that is not a wage.
Coffee shop loan around Lumberton, NC
Coffee shops sit inside the Census restaurant codes, so no separate count is cited. Espresso machines, grinders and refrigeration are the purchases; milk, beans and payroll are the weekly bills. A cafe already open can show card statements; read how a request works for the cafe checklist.
A new espresso machine with its quote can be a stand-alone equipment request, kept apart from stock and payroll.
Practices, clinics and pharmacies near Lumberton, NC
Pharmacy financing in Lumberton, NC for drug inventory, dispensing equipment and payroll during reimbursement, with Robeson County, NC counts.
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Chiropractors, therapists and optometrists
49 practices with employees in the Census group for other health practitioners. Treatment tables, imaging and exam lanes are financeable equipment; insurance claims create a wait that working capital covers. See the chiropractic and therapy page.
Nearly half, 23 of the 49, had fewer than five employees, and 28 carried a ZIP 28358 address (2023). In the separate Nonemployer Statistics file for 2024, 106 chiropractors, therapists and similar practitioners worked with no paid staff.
Physician practices
47 physician practices with employees and $30.8 million in payroll. Exam and diagnostic equipment, build-outs and partner buy-ins lead the list of bills, with dental and veterinary notes alongside. Read the physician practice loans page.
Of the 47, 22 had fewer than five employees and 31 carried a ZIP 28358 address (County and ZIP Code Business Patterns 2023). By our arithmetic payroll averaged about $81,800 per employee, a figure that mixes every role in a practice and is not a wage rate.
Pharmacies and health stores
31 health and personal care stores with employees. Drug inventory is paid to the wholesaler before payers reimburse, and dispensing equipment is a second cost. See the pharmacy financing page.
Nine of the 31 had fewer than five employees and 16 carried a ZIP 28358 address (2023). Payroll for the group came to $16.1 million, about $518,000 per store by our arithmetic, and Nonemployer Statistics counted 63 health and personal care retailers without paid employees in 2024.
Business loans for veterinary practice, explained for Lumberton, NC owners
Veterinary services counted 7 employer establishments in Robeson County, NC in 2023. Surgical tables, anesthesia, imaging and lab analyzers are the purchases, and buying a practice is a separate, larger purchase. The gear suits equipment financing; buying a practice suits a term loan.
The seven employed 145 people and paid $4.9 million in 2023, about $694,400 per practice by our arithmetic (County Business Patterns).
Dental practices
18 dental practices with employees and 182 employees. Chairs, imaging and sterilization equipment lead the purchases; a new operatory fits equipment financing for the gear and a term loan for the build-out.
Only three of the 18 had fewer than five employees, and 11 carried a ZIP 28358 address in 2023. Payroll for the group was $13.1 million, about $729,200 per practice by our arithmetic (County Business Patterns).
Outpatient care centers
20 outpatient care centers with employees. Diagnostic and treatment equipment is the large purchase; a equipment financing request with the vendor quote is the place to start.
Four of the 20 had fewer than five employees and 12 carried a ZIP 28358 address (County and ZIP Code Business Patterns 2023). Payroll came to $17.0 million, about $851,700 per center by our arithmetic. A build-out for a new suite fits a term loan, with the equipment split out.
Child care and home care in Robeson County, NC
Staff paid on schedule while tuition and program payments arrive on theirs.
A childcare business loan in Lumberton, NC for payroll, classroom equipment, renovation or buying a center, with Robeson County, NC counts.
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Child day care centers
46 child day care centers with employees and 467 employees between them. Payroll runs ahead of tuition and program payments; classroom equipment and renovations are the larger bills. Read the childcare business loan page.
Only 11 of the 46 had fewer than five employees, and 18 carried a ZIP 28358 address in 2023. By our arithmetic, payroll averaged about $273,700 per center (County Business Patterns 2023); Nonemployer Statistics, a separate program, counted 269 child care businesses without paid employees in 2024.
Home health care services
21 home health agencies with employees, employing 893. Aides are paid every week or two; reimbursement follows later. Working capital sized to that wait is the request to make.
Only four of the 21 had fewer than five employees, and 12 carried a ZIP 28358 address in 2023. Payroll was $24.2 million, about $27,200 per employee by our arithmetic; the count includes part-time workers, so it is not a wage. Nonemployer Statistics counted 302 home health businesses without paid employees in 2024.
Repair bays and service shops around Lumberton, NC
Auto repair shop financing in Lumberton, NC for lifts, scanners, parts stock and payroll, with Robeson County, NC repair shop counts.
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Auto repair shops
42 repair shops with employees, 76.2% of them under five employees. Lifts, scanners and parts stock are the main purchases; fleet accounts can leave payroll waiting. See the auto repair shop financing page.
Annual payroll for the 42 came to $3.7 million in 2023, about $89,100 per shop by our arithmetic, and 18 had a ZIP 28358 address. The 2024 Nonemployer Statistics file, a different Census program, lists 219 auto repair and maintenance owners with no payroll.
Car wash business loans for Robeson County, NC businesses
No Census count for car washes is cited on this site. A car wash request is equipment-heavy: tunnel or in-bay systems, vacuums, water reclaim and payment kiosks, plus site work. The equipment can secure equipment financing; land and building work fit a term loan.
Gather the equipment quote, a site plan and a list of the approvals the site work needs before a request goes out, so a partner can read the whole project at once.
Law firm financing in Lumberton, NC for payroll, case costs, technology and partner buyouts, with Robeson County, NC legal services counts.
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Accounting, consulting and engineering firms
28 accounting firms and 10 architecture and engineering firms with employees. Few hard assets, steady time costs and fees that arrive later make lines of credit and working capital the structures to compare. Read the CPA firm financing page.
Of the 28 accounting firms, 18 had fewer than five employees and 13 carried a ZIP 28358 address (2023); Nonemployer Statistics counted 73 accounting and bookkeeping businesses without paid employees in 2024.
Insurance agencies
33 insurance agencies with employees. Buying a book of business is one use of a term loan, read on renewal commissions and retention; payroll for a new producer is another. See the insurance agency financing page.
Two thirds of the 33, 22 agencies, had fewer than five employees, and 18 carried a ZIP 28358 address (County and ZIP Code Business Patterns 2023). Nonemployer Statistics counted 119 insurance agents working without paid employees in 2024.
Law firms
31 legal services firms with employees, 71.0% of them under five. Payroll and case costs come long before fees, which points to a line of credit. Read the law firm financing page.
Twenty of the 31 carried a ZIP 28358 address in 2023 (ZIP Code Business Patterns), and payroll for the group was $7.4 million, about $238,700 per firm by our arithmetic. Nonemployer Statistics counted 30 legal practices without paid employees in 2024.
Chairs, clippers and gym floors near Lumberton, NC
Chairs, stations and machines, often run by one or two people.
Business loans for gym equipment in Robeson County, NC
Fitness and recreational sports centers counted 9 employer establishments in 2023. Treadmills, racks and cardio machines wear out on a schedule the owner can predict, which makes equipment financing a natural fit; membership dues give partners a monthly record to read.
Four of the nine had fewer than five employees, and four carried a ZIP 28358 address (County and ZIP Code Business Patterns 2023). Bring the equipment quote and recent months of dues deposits.
Business loans for nail salon for owners in Robeson County, NC
Nonemployer Statistics counted 107 nail salons with no paid employees in Robeson County, NC in 2024; County Business Patterns published no employer count for the code. Pedicure chairs, ventilation and stations are equipment; read equipment financing for loans and leases.
By our arithmetic from Nonemployer Statistics 2024, those 107 salons reported $4.3 million in receipts, about $40,100 each. Bring the chair or ventilation quote and recent card deposits.
Beauty salons
4 beauty salon employer establishments, and 390 salons with no paid employees (Nonemployer Statistics 2024, separate). Chairs, dryers and a remodel are the main purchases; see equipment financing.
By our arithmetic the 390 salons without employees reported $7.4 million in receipts, about $18,900 each. Three of the four employer salons had a ZIP 28358 address in 2023. Product stock and small tools are the recurring costs.
Barber shops
Nonemployer Statistics counted 95 barber shops with no paid employees in 2024; no employer count was published. A remodel, chairs and a second location are the requests; working capital carries the smaller ones.
Those 95 shops reported $2.3 million in receipts, about $23,800 each by our arithmetic. Clipper sets and sterilizers are small purchases; a build-out for a second room of chairs is the larger one and needs a contractor quote.
Property and real estate services in Robeson County, NC
Commission and fee income that arrives at closing or month end.
Real estate agent offices
11 real estate agent offices with employees, and 78 agents with no paid employees (Nonemployer Statistics 2024, separate). Commissions arrive at closing; a line of credit covers marketing and payroll in between.
Nine of the 11 employer offices had fewer than five employees, and eight carried a ZIP 28358 address in 2023. By our arithmetic the 78 agents without employees reported about $49,300 in receipts each (Nonemployer Statistics 2024).
Residential property managers
17 residential property management employer establishments. Repairs between rent cycles and owner payouts are the timing gap; a line of credit follows it.
All 17 had fewer than five employees in 2023 (County Business Patterns), and six carried a ZIP 28358 address. Nonemployer Statistics does not publish residential managers alone; its broader property-management group counted 60 businesses without paid employees in 2024. Repair invoices, rent rolls and owner statements are the records to bring.
Plants, shops and warehouses around Lumberton, NC
Machines and space with long working lives.
Fabricated metal shops
12 fabricated metal product employer establishments, including machine shops. CNC machines, press brakes and welders have long working lives and resale value, which suits equipment financing.
Their 609 employees drew $50.5 million in payroll in 2023, and seven of the 12 carried a ZIP 28358 address (County and ZIP Code Business Patterns). Steel bought for a large order can be a separate working capital request from the machine itself.
Food manufacturing
10 food manufacturing employer establishments. Processing lines, refrigeration and packaging equipment are the purchases; a smaller producer's line can be financed through equipment financing.
The ten employed 5,915 people with $275.6 million in payroll in 2023 (County Business Patterns), about 590 employees per plant by our arithmetic; three had a ZIP 28358 address. Nonemployer Statistics counted 32 food makers without paid employees in 2024.
Warehousing and storage
7 warehousing and storage employer establishments. Racking, forklifts and dock equipment are financeable; a building expansion fits a term loan.
The seven employed 368 people with $15.9 million in payroll in 2023, about 53 employees per site by our arithmetic (County Business Patterns); three carried a ZIP 28358 address. Nonemployer Statistics counted nine warehousing businesses without paid employees in 2024. A forklift or racking quote is a stand-alone equipment request.
Robeson County, NC businesses outside the groups above
Other sectors, each with its own cash timing.
Machinery and equipment repair
5 commercial and industrial machinery repair employer establishments. Service trucks and shop tools are the purchases, and equipment financing carries them.
Three of the five had fewer than five employees in 2023, and the group's payroll was $1.5 million (County Business Patterns). Nonemployer Statistics counted 11 repair operators without paid employees in 2024. Parts bought for a customer's job before the invoice is paid are a working capital need, separate from the truck.
Printing shops
5 printing and related support employer establishments. Presses and finishing equipment are long-lived and financeable; see equipment financing.
Three of the five had fewer than five employees, and the group employed 49 people with $928,000 in payroll in 2023 (County Business Patterns). Nonemployer Statistics counted seven printers without paid employees in 2024. Paper and ink bought for a large job before it is billed are a working capital question; a press or cutter quote is an equipment one.
Carpet and upholstery cleaning
Nonemployer Statistics counted 19 carpet and upholstery cleaners with no paid employees in 2024; no employer count was published for the code. Truck-mounted units and vans fit equipment financing.
By our arithmetic those 19 reported about $721,000 in receipts together, roughly $37,900 each. A truck-mount quote, recent bank statements and the van's title, if it is pledged, are the papers a request starts with.
Bars and taverns
Nonemployer Statistics counted 11 drinking places with no paid employees in 2024; no employer count was published. Payroll and stock come before the weekend's receipts; working capital covers that order of events.
Those 11 reported $108,000 in receipts in 2024, about $9,800 each by our arithmetic. County Business Patterns has no row for drinking places in Robeson County, NC. Coolers, draft systems and a remodel can be financed as equipment.
Support activities for agriculture and forestry
Nonemployer Statistics counted 79 such businesses with no paid employees in 2024. Service operators buy tractors, sprayers and trailers; equipment financing carries machines with resale value.
By our arithmetic those 79 reported $4.6 million in receipts, about $58,100 each (Nonemployer Statistics 2024). County Business Patterns published no employer row for the group. A request for a sprayer or trailer starts with the dealer quote and recent bank statements; a used machine needs its serial number and hours.
In short
Boldmoor Financial of Lumberton, NC sorts funding by industry here. Funding partners consider businesses across most industries and decide on each request themselves. Each note gives a Robeson County, NC count from County Business Patterns 2023 or Nonemployer Statistics 2024 and links to the page or structure that fits.
Robeson County, NC trades, shops and practices partners consider
Funding partners consider businesses across most industries, from Lumberton, NC storefronts to trades working across the county. What changes from one business to the next is the cash timing: when money goes out, when it comes back, and what the business owns that could secure a loan. The notes below are grouped by type of business; fourteen have a page of their own.
Unless a note names another program, each count is Robeson County, NC employer establishments in County Business Patterns 2023. Nonemployer Statistics 2024 counts are a separate program and are never added to them. Trucking loans are not arranged, and banks and religious organizations are left out.
By Boldmoor Financial · Updated
A Robeson County, NC Business Type Not Shown Here?
Phone (910) 492-3696; funding partners look at most kinds of business.
Full name, phone, email, a company name if you have one, and three range picks: time in business, annual revenue and the amount requested. Consent comes last.
