Counts on this page are Kerr County, TX employer establishments from the 2023 County Business Patterns, by NAICS code, unless a line says ZIP 78028 or Nonemployer Statistics.
Dental office financing in Kerrville, TX for dental chairs and imaging upgrades
A dental chair, a panoramic or cone-beam imaging unit and the sterilization room around them are costs a practice can spread over the years they are used, which is what equipment financing is for. Kerr County, TX had 23 offices of dentists with employees in 2023 (CBP, NAICS 6212), paying $11 million in annual payroll to 177 people; only 6 of the 23 had fewer than five employees. By physical address, ZIP 78028 held 22 dental offices in the 2023 ZBP. A request for imaging names the unit, the vendor quote and the install date.
How salon owners in Kerrville, TX pay for styling stations and slow-week payroll
A salon's spending comes in two shapes: styling stations, chairs and dryers bought once, and payroll that has to go out in a slower week. Stations and chairs fit equipment financing; payroll timing calls for a working capital loan or a line of credit. Kerr County, TX had 7 beauty salons with employees in 2023 (CBP, NAICS 812112), 63 paid staff between them. The 2023 ZBP lists 7 beauty salons with employees at ZIP 78028 addresses. In a separate count, 2024 Nonemployer Statistics listed 125 beauty salons in the county with no paid employees, such as booth renters and owners who work alone.
How child care centers in Kerrville, TX pay for classroom furniture and enrollment gaps
A child care center buys classroom furniture, cots and modular play equipment once, and then carries payroll every week while enrollment fills. The furniture is an equipment request; the gap between staffing a room and filling it is a working capital question. Kerr County, TX had 4 child day care establishments with employees in 2023 (CBP, NAICS 624410), with 70 paid staff and $1.8 million in annual payroll. The 2023 ZBP lists three child day care employer establishments at ZIP 78028 addresses. Nonemployer Statistics counted 32 child care businesses without paid employees in 2024, under the broader code 62441.
Gym financing in Kerrville, TX for treadmills and equipment upgrades
A gym business loan in Kerrville, TX need not be a loan for the gym as a whole: treadmills, racks and cable machines are equipment, and equipment financing pays for them over the years they stay on the floor, with the machines as security. A movable-equipment purchase can be reviewed for a term loan; fixed studio construction is excluded. Kerr County, TX had 4 fitness and recreational sports centers with employees in 2023 (CBP, NAICS 713940), with 33 paid staff. ZIP 78028 had 3 fitness and recreational sports centers by address (ZBP 2023). A request names the machines, the seller and whether they are new or used.
Hotel and motel financing in Kerrville, TX for room furnishings and laundry machines
Kerr County, TX had 16 traveler accommodation establishments with employees in 2023 (CBP, NAICS 7211), employing 298 people; 3 had fewer than five employees. In ZIP 78028, the 2023 ZBP counted 10 traveler accommodation establishments. Separately, Nonemployer Statistics counted 67 traveler accommodation businesses with no paid employees in the county in 2024. New mattresses and case goods across a floor fit a term loan; commercial washers and dryers for the laundry room are equipment financing. A 24-room motel’s furniture package is priced out in the motel and lodge FF&E article.
Eleven Kerr County, TX lines of work that get a full write-up here
These Kerr County, TX lines of work each get a full write-up with county figures, by NAICS code (CBP 2023):
- Restaurants: 53 full-service and 45 limited-service establishments.
- Medical practices: 52 offices of physicians.
- Retail: 219 retail trade establishments.
- Construction: 217 construction establishments.
- Auto repair: 38 automotive repair and maintenance establishments.
- Landscaping: 26 landscaping services establishments.
- Manufacturing: 46 manufacturing establishments.
- Real estate agents: 36 real estate agent offices.
- Accounting firms: 31 accounting, tax preparation, bookkeeping and payroll establishments; the page also covers 29 management, scientific and technical consulting establishments (NAICS 5416).
- Plumbing and HVAC: 36 plumbing, heating and air-conditioning contractors.
- Chiropractic and therapy: 35 offices of other health practitioners.
When a Kerr County, TX trade needs a machine before anything else
In several of these trades the first large cost can be a machine: a skid steer for a builder, a smoker for a barbecue kitchen, a lift for a repair bay, a mower deck for a landscaper. The equipment financing page explains how a machine can serve as its own security and how terms follow its working life. For the county and office ZIP figures behind these notes, see the Kerrville, TX page. A trade not named here can still call; trucking and agriculture are the two exceptions.
By Bellshire Business Funding · Updated