Boldmoor Financial of Lumberton, NC helps restaurant owners compare funding for kitchen equipment, payroll, remodels and purchases; funding partners review and decide. Robeson County, NC counted 55 full-service and 83 limited-service restaurants with employees in 2023 (County Business Patterns). Every figure names its year.
At a glance
- Full-service restaurants, Robeson County, NC
55 (CBP 2023)
- Limited-service restaurants
83 (CBP 2023)
- Both codes, our sum
138 (CBP 2023)
Restaurants in Robeson County, NC: the counts
Restaurants and other eating places (NAICS 7225) were the county's largest 4-digit industry by employer establishments in 2023, with 151 (County Business Patterns, top 4-digit groups). Two codes inside that group: 55 full-service and 83 limited-service restaurants, 138 by our sum of the two codes.
| Industry (NAICS) | Employer establishments | Employees | Annual payroll | Under 5 employees | In ZIP 28358 |
|---|---|---|---|---|---|
| Full-service restaurants (722511) | 55 | 946 | $15.9 million | 20.0% | 36 |
| Limited-service restaurants (722513) | 83 | 2,099 | $33.2 million | 18.1% | 44 |
By our arithmetic, full-service restaurants averaged 17.2 employees per establishment and limited-service 25.3; counts include part-time workers. Separately, Nonemployer Statistics found 14 full-service and 18 limited-service restaurants with no paid employees in 2024.
Restaurant line of credit calculator in Lumberton, NC
The site's calculator handles fixed loan payments; a restaurant line is worked by hand. List the weeks you expect to draw, the amount each week, and when sales pay it back. Interest applies to the drawn balance only, so a line drawn for three slow weeks and paid down in the fourth costs less than the same sum borrowed for a year at the same rate.
Small business loan to buy a restaurant for Robeson County, NC businesses
Buying an existing restaurant is financed on the seller's numbers: tax returns, card-processing statements, the lease and its remaining term, and an equipment list. For that purchase, a term loan is one structure a buyer can ask about. The acquisition calculator shows the payment for a given price, rate and term.
Restaurant financing companies
Restaurant financing comes from banks, credit unions, equipment finance companies, online lenders and, for card-heavy places, cash advance companies. Each reads the same restaurant differently, so one request read by several partners saves telling the story many times.
Commercial restaurant equipment financing around Lumberton, NC
Hoods, ranges, fryers, walk-in coolers, ice machines and dish lines can be financed with the equipment as collateral. Illustration only, invented figures: a $38,000 hood and walk-in package financed at 11 percent a year over 48 months is about $982.13 a month. Loan-or-lease trade-offs sit on the equipment financing page.
Working capital for restaurant equipment, explained for Lumberton, NC owners
Small items, repairs and a deposit on a larger unit can come from working capital rather than an equipment loan, because a repair leaves no new asset to secure. A partner reads the restaurant's deposits to judge the payment.
Restaurant line of credit rates: a Lumberton, NC primer
No rate is quoted here. A restaurant line is priced from deposits, card volume, time open and existing debt. Ask for the rate on drawn funds, any fee on the unused limit, and whether the line renews. Line mechanics are set out on the line of credit page.
A kitchen's week of cash in Lumberton, NC
- Food and supplies are delivered, often on short supplier terms.
- Payroll runs weekly or every two weeks.
- Card sales settle within days; cash goes to the bank.
- Rent, utilities and equipment payments come monthly.
- Repairs arrive without notice.
Because card sales settle fast, a restaurant's gaps can come from big one-time costs, such as a compressor or a slow stretch, rather than from slow-paying customers. That shapes which structure fits.
Before you sign a restaurant offer
- Total repayment, in dollars, across the whole term.
- Whether payments are daily, weekly or monthly, and which bank account they draw from.
- Whether the equipment or the whole business is pledged.
- What happens if the lease ends before the loan does.
- Whether paying early saves interest or carries a fee.
Restaurant payroll per location in Robeson County, NC
By our arithmetic from County Business Patterns 2023, limited-service restaurants in Robeson County, NC averaged 25.3 employees and $399,867 in annual payroll per establishment, or about $15,812 per employee. Counts include part-time workers, so the per-employee figure is not a wage rate.
Full-service restaurants carried fewer employees per location than limited-service ones in the 2023 county counts, and both run payroll every week. A partner reading a restaurant request sets that weekly payroll against the deposits in the bank statements.
Kitchen bills matched to structures
| The bill | Structure to compare | Why it can fit |
|---|---|---|
| Hood, walk-in or fryer | equipment financing | Lifts and scanners back their own financing |
| Wages through a thin stretch | working capital | A single sum sized to the gap |
| Recurring slow weeks | line of credit | Draw and pay down as sales return |
Neighboring pages: hotels and motels and grocery stores; all sectors on the industry pages. Before a build-out, read the zoning and permits guide.
By Boldmoor Financial · Updated