Thirteen industries have their own page. Another 26 business types are covered below, each with the funding needs that can arise.
Builders, mechanical trades and grounds crews: jobs billed after the work, equipment bought before it.
Contractor business loans in New Bern, NC: working capital for draws and retainage, construction equipment financing and lines of credit for builders.
Plumbing and HVAC business loans in New Bern, NC: service van financing, parts inventory, lines of credit for install jobs and buying an existing company.
Landscaping business loans in New Bern, NC: zero-turn mower and truck financing, working capital for crew payroll and lines of credit for uneven months.
Craven County had 21 electrical contractor employer establishments in 2023, 71.4% with fewer than five employees (CBP). Wire, panels and fixtures are bought before the job is billed, and bucket trucks or trenchers are the big purchases. Look at equipment financing for vehicles and tools; the contractor page covers draws.
Three roofing employer establishments were published for the county in 2023 (CBP). Separately, Nonemployer Statistics counted 87 no-payroll firms in the broader foundation, structure and exterior group in 2024, a different program that is not added to the employer count. Roofers buy shingles and underlayment ahead of each job and may wait on payment after it, so short working capital is the usual fit.
Kitchens, coolers and card sales every day.
Restaurant business loans in New Bern, NC: kitchen equipment financing, renovation and second-location loans, and what partners ask restaurants for.
County Business Patterns counted 12 drinking places in Craven County in 2023, with 90 employees. Beer, wine and spirits are bought ahead of being sold; inventory financing or a credit line handles that stock. Remodels and draft systems belong on an equipment or term request.
How to get a business loan for a coffee shop starts with the espresso machine and grinders, which can be financed as equipment with the machine as collateral. Daily card sales show a partner the cash flow. A cafe with little history gives a partner less to review; a quote and twelve months of statements help. See equipment loans and leases.
A food truck is a vehicle and a kitchen in one, so the financing is mostly equipment: the truck or trailer, the line inside it and the generator. Partners want the build sheet or dealer quote and proof of ownership for used units. How to get a business loan for a food truck can mean financing the truck itself.
Stock bought before it sells, fixtures and refrigeration.
Grocery store business loans in New Bern, NC: inventory financing for stock, refrigeration and cooler financing, and what partners review for grocers.
Gas station business loans in New Bern, NC: fuel and store inventory, pumps and coolers, buying a station, and gas station financing requirements.
Retail business loans in New Bern, NC: inventory financing, working capital, store fixtures and boutique funding, with Census counts for local shops.
Lifts, scanners, parts rooms and vehicles on the lot.
Auto repair shop loans in New Bern, NC: lifts and diagnostic equipment financing, parts inventory, working capital and auto body shop financing.
Craven County had 21 automobile dealer employer establishments in 2023, employing 580 people (CBP). Dealers carry vehicles on the lot before they sell, which is a classic inventory financing need; floor-plan lines are a specialized version. Service departments add lifts and diagnostic tools.
How to get a business loan for a car wash depends on whether you are buying an existing wash or adding equipment. Conveyor systems, brushes, dryers and water reclamation are financed as equipment; a purchase or a new bay is a term request. Partners look at wash counts and card sales. Start with equipment financing.
Insurance payment timing, equipment and practice purchases.
Medical practice loans in New Bern, NC: working capital for reimbursement gaps, medical equipment financing, buy-ins and clinic expansion loans.
Dental practice loans in New Bern, NC: chair and imaging financing, practice purchase loans, office build-outs and working capital for dentists.
Chiropractic, physical therapy and optometry business loans in New Bern, NC: equipment financing, working capital and practice expansion funding.
County Business Patterns counted 12 veterinary employer establishments in Craven County in 2023, with 155 employees. X-ray, dental units and surgical suites are the large purchases, leased or financed as equipment financing. Practice purchases follow the same path as other health practices.
Home health care services had 11 employer establishments in Craven County in 2023 and 452 employees (CBP). Reimbursement arrives after visits are billed, so working capital can bridge payroll and payment.
Individual and family services had 29 employer establishments and 473 employees in Craven County in 2023 (CBP). Providers like these can be paid after billing, sometimes weeks later. A working capital request sized to the payment lag can fit.
People-heavy firms where payroll is the main cost.
Law firm business loans in New Bern, NC: lines of credit for payroll between fee receipts, working capital, office build-outs and partner loans.
Accounting firm loans in New Bern, NC: buying a CPA firm or client book, staffing up before tax deadlines, and lines of credit for uneven fee income.
Craven County had 55 real estate agency offices with employees in 2023, 92.7% with fewer than five employees, (CBP). Separately, 251 no-payroll offices were counted in 2024 (NES; a different program). Commissions arrive at closing, which can be months after the marketing spend. A line of credit can even that out.
County Business Patterns counted 38 insurance agency employer establishments in Craven County in 2023, 65.8% with fewer than five employees. Buying another agent's book of business can be a large financing event, typically a term loan based on the book's renewal income.
Craven County had 33 management and technical consulting firms and 37 computer systems design firms with employees in 2023 (CBP). Firms that bill after the work and carry salaried people in between can use a revolving line sized to the receivables gap.
Architectural and engineering services had 30 employer establishments and 528 employees in Craven County in 2023 (CBP). Long projects billed in phases leave salaries to cover before milestone payments arrive; a line of credit against receivables is one answer.
Small shops built around chairs, machines and memberships.
Craven County had 20 beauty salon and 7 nail salon employer establishments in 2023 (CBP). Separately, 279 no-payroll beauty salons and 192 no-payroll nail salons were counted in 2024 (NES; a different program). Chairs, dryers and a remodel are typical purchases, financed as equipment financing.
County Business Patterns counted 9 fitness and recreational sports centers with employees in Craven County in 2023, employing 232 people. Treadmills, racks and flooring are financed or leased as equipment; membership revenue shows partners the monthly cash flow. See equipment loans and leases.
How to get a business loan for a laundromat can mean financing washers, dryers and payment systems, or buying an existing store. Partners look at machine age, utility costs and the revenue history. Machines are financed as equipment; a purchase is a term request.
Property-heavy businesses with large one-time projects.
Craven County had 21 traveler accommodation employer establishments in 2023, with 419 employees (CBP). Room renovations, HVAC replacement and property purchases are large, one-time projects that suit a term loan.
How to get a business loan for a wedding venue usually involves property improvements: a hall, a kitchen, parking or restrooms. Deposits booked months ahead help show revenue. Improvements are a term request; furniture and tents can be equipment.
How to get a business loan for a campground covers site improvements, utility hookups, bathhouses and buying an existing park. Much of it is long-lived property work, financed with a term loan, while mowers and golf carts can be equipment.
Services, small manufacturers and franchise owners.
Child day care services had 23 employer establishments and 366 employees in Craven County in 2023 (CBP), and only 13.0% had fewer than five employees. Payroll timing and classroom build-outs are possible needs; working capital covers the first.
Janitorial services had 17 employer establishments in Craven County in 2023 (CBP). Separately, 309 no-payroll janitorial businesses filed in 2024 (NES; a different program). Commercial cleaning contracts may pay a month after service, so working capital carries payroll and supplies until then.
Fabricated metal product manufacturing had 8 employer establishments in Craven County in 2023, and machinery repair another 6 (CBP). CNC machines, brakes and welders are large, long-lived purchases, financed as equipment financing with the machine as collateral.
Printing had 3 and warehousing 4 employer establishments in Craven County in 2023 (CBP). Presses, forklifts and racking are the big items; both can be financed as equipment rather than with general-purpose money.
Pest control firms carry trucks, sprayers and chemicals bought before service routes pay. Vehicles and rigs are financed as equipment; recurring service contracts help show partners steady revenue.
How to get a business loan for a franchise depends on the franchise fee, the build-out and the equipment package the franchisor specifies. Partners look at the franchise agreement and the owner's own finances. Opening costs are typically a term loan request.
Lodgehollow Funding Group arranges funding requests for businesses across New Bern, NC and Craven County. Funding partners consider businesses in most industries; this hub groups thirteen dedicated industry pages with short notes on 26 more business types, each pointing to a structure that can fit. County figures come from County Business Patterns 2023 and Nonemployer Statistics 2024.
Each dedicated page explains how money moves through that kind of business, which funding structures can fit, what partners may review, and the Craven County figures for that industry. Partners consider businesses across most industries, so if yours is not here, the purpose of the money matters more than the label. The comparison of six funding options sorts structures by purpose, and the New Bern, NC business data page shows the county's sector mix.
By Lodgehollow Funding Group · Updated
