Boldmoor Financial of Lumberton, NC helps grocery owners compare funding for stock, refrigeration, remodels and purchases; funding partners review and decide. Robeson County, NC counted 52 grocery store employer establishments with 1,286 employees in 2023 (County Business Patterns). Counts are cited by program and year.
At a glance
- Grocery stores, Robeson County, NC
52 (CBP 2023)
- Grocery employees
1,286 (CBP 2023)
- Share under 5 employees
51.9% (CBP 2023)
Robeson County, NC grocery stores (NAICS 4451) by employer count
Grocery stores (NAICS 4451) were fourth among Robeson County, NC 4-digit industries by employer establishments in 2023, with 52 (County Business Patterns). They employed 1,286 people with $27.1 million in payroll, and 51.9% had fewer than five employees.
| Industry (NAICS) | Employer establishments | Employees | Annual payroll | Under 5 employees | In ZIP 28358 |
|---|---|---|---|---|---|
| Grocery stores (4451) | 52 | 1,286 | $27.1 million | 51.9% | 18 |
By our arithmetic that is about 24.7 employees per store, an average that mixes a few large stores with many small ones. Nonemployer Statistics counted 55 grocery and convenience retailers with no paid employees in 2024, a separate count under 2022 NAICS codes.
Business loan for liquor store for Robeson County, NC businesses
A store that sells beer, wine or other alcohol carries stock that is paid for up front and often bought in volume. Partners reading that request want supplier invoices, the sales split between alcohol and other goods, and the permits the store holds.
How to get a business loan for a liquor store: notes for Robeson County, NC businesses
Start with the bill: a reorder, a cooler, a remodel or a purchase. Gather the last few months of bank and card statements, the supplier invoices and any permits. A partner will ask how the store's sales split across product lines.
Small business loan for liquor store, explained for Lumberton, NC owners
For a small store, the line between stock and equipment matters. A cold-room or cooler is equipment; the stock in it is inventory. Splitting them lets equipment financing carry one and inventory financing the other.
A business loan for a grocery store, explained for Lumberton, NC owners
Illustration only, invented figures: a store places a $22,000 order every month and sells it through over four weeks at about $5,500 a week. The order is paid up front; the money comes back across the month. A line of credit drawn for each order and paid down weekly matches that rhythm.
Liquor store financing: a Lumberton, NC primer
Financing a store that sells alcohol follows the same structures as any grocery: stock, equipment, remodel or purchase. What differs is the paperwork a partner asks to see, starting with the permits.
Grocery store financing for owners in Robeson County, NC
Grocery financing in the county covers refrigeration, shelving, checkout systems, delivery vans and the stock itself. Retail-wide notes are on the retail page; the comparison of structures is on the business loan options page.
A grocery order from invoice to register
- The distributor delivers the weekly order and sends an invoice.
- Perishables have days to sell; dry goods have weeks.
- Sales settle by card and cash each day.
- The invoice comes due on the distributor's terms.
- Shrink, from spoilage and loss, is written off.
Perishables turn fast and dry goods slowly, so a store carries both kinds of timing at once. A line drawn for each order is one way to match them.
What a partner reads in a grocery request
- Bank and card statements for recent months.
- Distributor invoices and their payment terms.
- The sales mix: groceries, prepared food, alcohol, tobacco, lottery.
- Refrigeration age and any service records.
- Permits the store holds, including any for alcohol.
Grocery payroll and store size in Robeson County, NC
By our arithmetic from County Business Patterns 2023, grocery stores in Robeson County, NC averaged 24.7 employees and $522,000 in annual payroll per establishment, or about $21,107 per employee. Counts include part-time workers, so the per-employee figure is not a wage rate.
The average hides a spread: about half the county's grocery stores had fewer than five employees, while others employed many more. A small store and a supermarket send very different requests, so state the store's own headcount.
Refrigeration as a funding decision
Coolers, freezers and their compressors are expensive equipment in a grocery and urgent when they fail. Planning their replacement as equipment financing before a breakdown avoids paying for an emergency repair out of the stock budget.
Grocery bills and structures
| The bill | Structure to compare | Why it can fit |
|---|---|---|
| A large stock order | inventory financing | The goods can secure the financing |
| Coolers and checkout systems | equipment financing | The item secures its own financing |
| Order-to-sale timing | line of credit | Draw per order, pay down weekly |
All sectors are on the industry pages.
By Boldmoor Financial · Updated