Every outside link on this page goes to an official or public site checked on 2026-10-28. None of those offices is affiliated with Bellshire Business Funding.
How to prepare for a small business loan as a Kerrville, TX specialty contractor
A specialty contractor or a home builder prepares for a loan the way it prepares a bid: by pricing the job before anyone asks. ZIP 78028 held 30 plumbing, heating and air-conditioning contractors and 18 electrical contractors in 2023 (ZBP, NAICS 238220 and 238210), and each of them can run the same short routine before a funding conversation:
- Name the cost in one line: "a trailer-mounted jetter and its hose reel," with the dealer's quote attached to the file.
- Print twelve months of business bank statements and mark the months a large job paid.
- List the open jobs, with each contract value and the date the customer is due to pay.
- Write down every truck, trailer and tool already financed, with the lender and the payment.
- Have the last two business tax returns ready, plus a profit and loss statement for this year.
- Pull your own personal credit report and read it before a funding partner does.
None of these items has to arrive with the first call; they are what a partner can ask for once the cost and the product are clear.
Business plan for loan request in Kerrville, TX: what restaurants compare
Next to a startup plan, the version written for a loan request can run a few pages rather than a few dozen. It answers four questions: what the money buys, how the business pays it back from its own sales, what the owner has done before, and what happens if sales come in lower. Restaurants have a well-counted field to compare against: Kerr County, TX had 45 limited-service restaurants with employees in 2023, with 877 paid staff and $20.9 million in annual payroll (CBP, NAICS 722513).
The core of the plan is a use-of-funds table. Illustration only, invented figures, for an established counter-service kitchen adding ordering hardware; any fixed window or lane work is excluded:
| Use | Cost | Proposed source | Note |
|---|---|---|---|
| Order-entry screen, freestanding menu display and headsets; fixed window and lane work excluded | $18,400 | Equipment financing | Installed price from the contractor's quote |
| Second fryer and a holding cabinet | $9,650 | Equipment financing | Dealer quote, delivery included |
| Three weeks of payroll while the line is retrained | $13,200 | Working capital loan | Two pay periods plus one week, from payroll records |
| Opening paper goods and dry stock | $3,850 | Owner cash | Paid before opening from the business account |
The four lines total $45,100, and $41,250 of it is the part a funding request would carry. A restaurant comparing an equipment loan with a lease for the same ordering hardware can add both to the plan and show which one the monthly sales cover.
Business loan documents checklist for Kerrville, TX specialty contractors
This checklist follows the order a specialty contractor's file can take, with the trade-specific items a funding partner may look at:
- A one-page summary: the business name, entity type, years in operation and the cost to be financed.
- The Texas entity record from the Secretary of State, matching the name on the bank account.
- Twelve months of business bank statements, with large deposits tied to the job they came from.
- Business tax returns for two years and a current-year profit and loss statement.
- An aging report of unpaid invoices, general contractor by general contractor, with the days each one has run.
- A list of financed vehicles and equipment, with balances and monthly payments.
- The quote or invoice for what the money buys, such as a trailer jetter, a pipe threader or a trencher.
- Proof of general liability insurance and any bonding a recent contract asked for.
State and county filings a Kerr County, TX real estate office keeps current
A funding partner can look a business up in public records, so the filings behind a Kerr County, TX real estate office are worth checking before any request. These official websites hold them:
- Texas Secretary of State Business Services: entity formations and filings for Texas companies, where the business record a partner sees is kept.
- Texas Comptroller sales tax permit application: the state page for registering a sales tax permit online.
- Kerr County, TX official website: county offices and services for Kerr County, TX.
- City of Kerrville, TX website: the official website of the City of Kerrville, TX.
- SBA San Antonio District Office: the SBA district office for this part of Texas, with its programs and contacts.
- Texas South-West SBDC Network (hosted by The University of Texas at San Antonio): the regional Small Business Development Center network, for one-on-one advising.
Which filings a particular office needs, and when they fall due, is a question for those agencies or a professional advisor. Bellshire does not file anything on a business's behalf.
A payment tool for a Kerrville, TX machine purchase
Before a machine request, the equipment loan calculator turns a price, an optional down payment, an annual rate and a term into a monthly payment, total interest and total cost. Trying two terms on the same skid steer or kitchen line shows how much the longer term adds in interest before any partner names a real rate.
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