Boldmoor Financial of Lumberton, NC helps store owners compare funding for stock, equipment and remodels; funding partners review each request and decide. Robeson County, NC had 377 retail employer establishments in 2023, the most of any sector (County Business Patterns).
At a glance
- Retail employer establishments, Robeson County, NC
377 (CBP 2023)
- Retail employees
5,048 (CBP 2023)
- Retail nonemployer businesses
640 (NES 2024)
Retail in Robeson County, NC by the numbers
Retail trade had 377 employer establishments in Robeson County, NC in 2023, more than any other sector, with 5,048 employees and $155.9 million in payroll (County Business Patterns). Of those, 191 carried a 28358 mailing ZIP (ZIP Code Business Patterns). Nonemployer Statistics counted 640 retail businesses with no paid employees in 2024, a separate count.
| Industry (NAICS) | Employer establishments | Employees | Annual payroll | Under 5 employees | In ZIP 28358 |
|---|---|---|---|---|---|
| General merchandise, other (452319) | 46 | 434 | $7.3 million | 6.5% | 16 |
| Auto parts and tire stores (4413) | 30 | 261 | $8.0 million | 40.0% | 15 |
| Clothing and accessories (448) | 26 | 227 | $4.2 million | 34.6% | 19 |
| Automobile dealers (4411) | 25 | 537 | $32.2 million | 36.0% | 15 |
| Building material and garden (444) | 15 | 370 | $12.8 million | 26.7% | 9 |
| Furniture and home furnishings (442) | 13 | 88 | $2.9 million | 38.5% | 10 |
Gas stations, grocery stores and pharmacies have their own pages: gas stations, grocery stores and pharmacies.
Retail equipment financing companies for Robeson County, NC businesses
Shelving, coolers, point-of-sale systems, security cameras and signage are retail equipment. Equipment finance companies, banks and some online lenders finance them, with the item as collateral. Bring the vendor quote and say whether the item is new or used; details are on the equipment financing page.
Retail equipment financing program
A vendor's financing program is offered at the point of sale by the equipment seller or its finance partner. Compare it with an outside offer on the same item: total payments, any down payment, and what happens at the end of a lease. A program's convenience is not the same as a lower total.
Liquor store loans around Lumberton, NC
Beer and wine shops and bottle shops buy stock in volume and carry it on the shelf. A partner reading the request wants the supplier invoices, the sales record and the permits the store holds.
Hardware store financing, explained for Lumberton, NC owners
Building material and garden supply dealers counted 15 employer establishments in Robeson County, NC in 2023 (County Business Patterns). A hardware store carries thousands of items, many slow-moving; inventory financing against the stock, or a line for reorders, are the two structures to compare.
Furniture store financing: a Lumberton, NC primer
Furniture and home furnishings stores counted 13 employer establishments in the county in 2023. Furniture is bulky, ordered ahead and sometimes sold on the store's own installment plan. A partner wants the floor-stock list, supplier terms and how customer financing is handled.
Liquor store funding for owners in Robeson County, NC
Funding for a beer and wine shop follows the stock: a big reorder fits inventory financing; uneven weeks fit a line of credit; a cooler wall fits equipment financing. Illustration only, invented figures: a store pays $14,000 for a new cooler wall and $36,000 for the stock to fill it. That is $50,000 in two different kinds of bill, which can be two different structures.
A Lumberton, NC store's cash, shelf to till
- Order: stock arrives on supplier terms, or paid up front for a new vendor.
- Shelve and price: the money sits in stock until it sells.
- Sell: card receipts settle in a day or two; cash goes to the bank.
- Reorder: the next order is placed before the last one has fully sold.
- Clear: slow stock is marked down to free space and cash.
The gap between step one and step three is the store's working capital need. A store that knows its average days from delivery to sale can size a request to it.
Records a partner may read for a store request
- Card processor statements next to the bank statements.
- Supplier invoices and terms for the main vendors.
- A stock count or the point-of-sale inventory report.
- The lease, with the term left and any renewal option.
- Sales by department, if the system reports it.
Retail payroll and store size in Robeson County, NC
By our arithmetic from County Business Patterns 2023, retail employer establishments in Robeson County, NC averaged 13.4 employees and about $30,880 in payroll per employee; part-time workers are included.
For a store, payroll is the cost that stays fixed when sales dip, which is why a line of credit sits next to inventory financing on this page.
Store bills and the structures that fit them
| The bill | Structure to compare | Why it can fit |
|---|---|---|
| A large reorder | inventory financing | The stock itself can secure the financing |
| Uneven weeks | line of credit | Draw in slow weeks, pay down in busy ones |
| Shelving, coolers, POS | equipment financing | The item secures the financing |
Contractor trades are covered on the construction page; all sectors are on the industry pages.
By Boldmoor Financial · Updated