Southmoor Business Funding passes each request to funding partners, who decide, whether the cost is a deposit, kitchen equipment or a paper-goods order.
Business owners in the cities and communities around Alice, Texas can send Southmoor Business Funding the same request as an Alice business. This page prices a store deposit, kitchen equipment, office machines and two rents drawn on a line, matches paper-goods stock to a funding type, and gives ZIP-labeled figures for San Diego, Orange Grove, Bishop, Robstown and Sandia.
A deposit-and-first-rent bill at a second Jim Wells County, TX convenience store, spread over fixed payments
A second convenience store's deposit and first month's rent are one bill due on one day, before the new shelves sell anything, and the funding type follows from that.
Illustration only, invented figures: a convenience store owner in Jim Wells County, TX signs for a second space at $2,160 a month. In this invented case two months' rent, $4,320, sits with the deposit, and with the first month added, $6,480 falls due on signing day.
Spread over 10 months at a 14.15% annual rate in this invented case, that $6,480 becomes a $690.76 payment; the 10 payments total $6,907.60, including $427.60 of interest. The deposit comes back only under the lease's own terms, so the payment is planned without it.
Retail trade employers in Jim Wells County, TX paid $53.6 million in annual payroll in 2023 (County Business Patterns). Questions about which product fits a deposit go to the call; the working capital loan page sets out fixed short-term payments.
Plug-in kitchen equipment on a 36-month loan: the balance a Jim Wells County, TX sit-down restaurant still owes after 24 payments
A loan on equipment that moves with the business can run longer than the business stays at one address. Illustration only, invented figures: a sit-down restaurant finances $12,960 of plug-in kitchen equipment (a mixer, a reach-in refrigerator and a holding cabinet) over 36 months at an 11.35% annual rate, for $426.45 a month, and plans to move in two years.
After the 24th invented payment the balance is $4,816.00, and 12 payments totaling $5,117.40 remain, while the mixer, refrigerator and holding cabinet move with the restaurant to its next location. Anything fixed to the building, from wall shelving to wiring and plumbing, stays behind, and that work is property work outside this site.
Accommodation and food services had 87 employer establishments in Jim Wells County, TX in 2023, and 27.6% had fewer than five employees (County Business Patterns). Equipment financing covers equipment that moves like this.
Office machines for a Jim Wells County, TX bookkeeping office's move, on one 48-month equipment loan
An office move puts its costs into machines and moving bills more than into stock. Illustration only, invented figures: a bookkeeping office in Jim Wells County, TX moves and replaces its computers, a copier, a scanner and the phone system, $9,740 in all.
Put on equipment financing for 48 months at a 10.8% annual rate, the invented $9,740 package is paid in installments of $250.79; across all 48 the office pays $12,037.92, so the machines carry $2,297.92 of interest. Desks, chairs and filing cabinets are furniture outside this site, and cabling inside the new walls is property work outside it too.
Bookkeeping belongs to professional, scientific, and technical services, which had 41 employer establishments in Jim Wells County, TX in 2023, 75.6% of them with fewer than five employees (County Business Patterns). Among offices with a ZIP 78332 address, ZIP Code Business Patterns listed 35 in this sector for 2023, 74.3% with fewer than five employees.
Nonemployer Statistics put the same sector at 227 businesses without paid employees in Jim Wells County, TX for 2024.
Two rents drawn on a credit line before the first sale at a Jim Wells County, TX party-goods retailer's second store
Rent at a second store can start weeks before that store makes its first sale, and a credit line carries a bill like that by the day.
Illustration only, invented figures: a party and paper-goods retailer in Jim Wells County, TX pays $2,740 rent on day 1 and again on day 31 at its second store, which makes its first sale on day 45. Drawing both invented rents on a credit line at a 12.6% annual rate and clearing the $5,480 on day 75 costs $69.99 and $41.62 of interest, $111.61 in all.
For a party and paper-goods retailer, the nearest peers on the Census count are the 97 retail trade establishments that had a ZIP 78332 address in 2023; 41.2% ran with fewer than five employees (ZIP Code Business Patterns). The Alice, TX page lays out the other costs of a second store, one by one.
Paper-goods stock at sit-down restaurants and retailers near Alice, TX: matching it to a funding type
Paper goods (to-go containers, cups, napkins, bags and receipt rolls) are stock a sit-down restaurant or a retailer buys again and again, and the funding type depends on how the order is placed:
- A bulk order placed a few times a year: inventory financing sized to the order
- Smaller orders through the month: a credit line drawn when each invoice lands
- Orders at a store with steady card sales: a merchant cash advance, collected as a share of those sales, which is not a loan
Full-service restaurants (NAICS 722511) with a ZIP 78332 address numbered 17 in 2023 (ZIP Code Business Patterns). Nonemployer Statistics counted 20 full-service restaurants without paid employees in Jim Wells County, TX for 2024.
Cities near Alice, TX, each with a ZIP Code that carries its name
Four incorporated cities near Alice, TX have USPS ZIP Codes named for them. The figures below are for those ZIP Codes, as ZIP Code Business Patterns publishes them.
San Diego, TX lies in both Duval County and Jim Wells County. A retailer there works in ZIP 78384, where retail trade had the most employer establishments in 2023, 11 of the ZIP's 54, and 61.1% of all 54 had fewer than five employees (ZIP Code Business Patterns).
Orange Grove, TX is in Jim Wells County. In ZIP 78372, which carries the Orange Grove name, construction had the most employer establishments in 2023, 12. Across the ZIP's 75 establishments, 54.7% had fewer than five employees (ZIP Code Business Patterns).
Bishop, TX is a Nueces County city. Small employers set the tone in ZIP 78343: 52.6% of its employer establishments had fewer than five employees in 2023, and other services (except public administration), with 6, had the most, all six under five employees (ZIP Code Business Patterns).
Robstown, TX, also in Nueces County, is covered by ZIP 78380, where employer establishments paid $296.5 million in annual payroll in 2023, and 50.6% had fewer than five employees. Professional, scientific, and technical services there were almost all small, with 94.4% of 18 establishments under five employees (ZIP Code Business Patterns).
Unincorporated communities in Jim Wells County, TX around Alice, TX
Sandia, TX is a Census-designated place in Jim Wells County, a community rather than a city. ZIP 78383, the ZIP that carries the Sandia name, had 30 employer establishments in 2023, 80.0% with fewer than five employees; construction (6) and mining, quarrying, and oil and gas extraction (5) had the most (ZIP Code Business Patterns).
Rancho Alegre, Alice Acres and Ben Bolt are also Census-designated places in Jim Wells County. ZIP Code Business Patterns lists no ZIP under their names, so no ZIP figure is given for them here; owners in these communities send the same request as anyone in Alice, TX.
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