Five industry pages for Curry County, NM, plus notes on gyms, salons, landscapers, cleaning firms, concrete and excavation crews, each with its Census counts.
The Sequence for Local Owners
Phone, or send the form, and describe the expense and its timing.
We point to the funding types that fit and the records a partner may ask for.
A partner reviews the request and gives its own decision.
Equipment, staff pay and insurer receivables.
Medical and dental practice loans in Clovis, NM: dental office loans, physician practice loans, equipment financing and buying a practice.
Ambulatory health care (NAICS 621) had 79 employer establishments in Curry County, NM in 2023, with 996 paid employees, including 13 offices of dentists and 17 offices of physicians (County Business Patterns). Practices pay staff while insurer payments are pending and buy chairs, imaging and exam equipment that lasts for years. The medical and dental practice loans page covers dental office loans, physician practice loans and equipment.
Offices of other health practitioners, the Census group for chiropractors, physical therapists and optometrists, had 23 employer establishments in Curry County, NM in 2023, 15 of them with fewer than five employees, and 22 with a ZIP 88101 address (County Business Patterns; ZIP Code Business Patterns). Their funding needs match the medical page: treatment tables and diagnostic tools, a build-out, and cash while claims are paid. See also equipment financing.
Daily card receipts, kitchen lines, remodels.
Restaurant loans in Clovis, NM: kitchen equipment, working capital, cash advances and buying a restaurant or cafe, with Curry County, NM counts.
Curry County, NM had 37 full-service and 35 limited-service restaurant employers in 2023, with 1,889 paid employees between them (County Business Patterns; our sum). A kitchen here finances fryer lines and walk-ins, refreshes its dining room, and bridges payroll until card deposits clear. The restaurant loans page compares loans, equipment financing and cash advances. 36 full-service and 34 limited-service employers used a ZIP 88101 address (ZIP Code Business Patterns 2023).
Stock bought before it sells.
Retail business loans in Clovis, NM: store inventory, boutique stock, requirements, fixtures and buying a boutique, with Curry County, NM retail counts.
Retail trade had 184 employer establishments in Curry County, NM in 2023, the highest count of any sector in the county, with 2,350 paid employees (County Business Patterns). Nonemployer Statistics counted 217 retail businesses without paid employees in 2024, a separate program. A store pays for merchandise ahead of the sale and for counters built to last. The retail business loans page walks through stock purchases, revolving credit and store fixtures.
Gasoline stations had 26 employer establishments in Curry County, NM in 2023, with 335 paid employees and $8.5 million in payroll; 23 used a ZIP 88101 address (County Business Patterns; ZIP Code Business Patterns). A station funds fuel loads, store stock, pumps and coolers. Fuel and shelf stock fit inventory financing or a credit line, and pump or cooler upgrades fit equipment financing.
Materials and crews paid before the job pays.
Contractor business loans in Clovis, NM: contractor financing, construction equipment, credit lines and working capital, with Curry County, NM counts.
Construction had 102 employer establishments in Curry County, NM in 2023, with 754 paid employees: 32 building contractors and 67 specialty trade contractors among them (County Business Patterns). Concrete, lumber and crew wages all go out before a contractor's first draw comes in. The contractor business loans page covers lines of credit, equipment and working capital. Nonemployer Statistics counted 216 construction businesses without paid employees in 2024, a separate count.
Concrete contractors are counted inside specialty trade contractors, which had 67 employer establishments in Curry County, NM in 2023, 38 of them with fewer than five employees (County Business Patterns). A concrete crew pays for mixers, pumps, forms and trucks, and for materials before a pour is invoiced. Those needs point to equipment financing for the machines and a line of credit for materials between progress payments.
Excavation work runs on heavy machines: excavators, skid steers, backhoes and dump trucks, each a long-lived purchase that can secure its own financing. Site preparation contractors fall within the county's 67 specialty trade employers in 2023 (County Business Patterns). An excavation firm comparing offers can read the used construction equipment section of the construction page and price a lease against a loan for the same machine.
Lifts, scan tools and parts.
Auto repair shop loans in Clovis, NM: lifts and diagnostics, parts and payroll, buying a mechanic shop, and Curry County, NM repair shop counts.
Automotive repair and maintenance had 30 employer establishments in Curry County, NM in 2023, 18 of them with fewer than five employees, and Nonemployer Statistics counted 41 repair businesses without paid employees in 2024, separate programs (County Business Patterns; Nonemployer Statistics). A shop pays for lifts, scan tools and parts shelves before the repair orders settle. The auto repair shop loans page takes each in turn. 28 of the county's repair employers used a ZIP 88101 address.
Machines and stations, small payrolls.
Fitness and recreational sports centers had 6 employer establishments in Curry County, NM in 2023, with 37 paid employees (County Business Patterns), too few for a page of their own. Nonemployer Statistics counted 15 fitness businesses without paid employees in 2024 in the matching group. A gym loan request can split into equipment and working capital; the gym business loan article explains how a gym business loan works, and the equipment page has a gym section.
Beauty salons had 4 employer establishments and nail salons 5 in Curry County, NM in 2023 (County Business Patterns), while Nonemployer Statistics counted 87 beauty salons and 29 nail salons without paid employees in 2024. Each program counts its own set of businesses, so the two are kept apart. Chairs, stations and pedicure spas are equipment purchases; the salon equipment article covers the options, including working capital for product stock.
Vehicles, tools and receivables.
Landscaping services had 12 employer establishments in Curry County, NM in 2023, 9 of them with fewer than five employees, and Nonemployer Statistics counted 48 landscaping businesses without paid employees in 2024 (separate programs). A crew buys mowers, trailers and a truck before the first invoice goes out. Equipment financing covers the machines; a line of credit covers fuel and payroll between payments from customers.
Janitorial services had 9 employer establishments in Curry County, NM in 2023 and carpet and upholstery cleaners 3 (County Business Patterns). Nonemployer Statistics counted 85 janitorial and 150 carpet cleaning businesses without paid employees in 2024, a separate count. Cleaning companies finance extraction machines, floor scrubbers and vans, and carry payroll while commercial clients pay on invoice; working capital fits that gap.
Child day care services had 12 employer establishments in Curry County, NM in 2023, with 122 paid employees and $3.5 million in payroll; Nonemployer Statistics counted 42 day care businesses without paid employees in 2024 (separate programs). A center pays staff every period while tuition and subsidy payments arrive on their own schedule, and buys play equipment and vans; term loans cover a build-out or a second room.
Accounting, tax preparation and bookkeeping firms had 18 employer establishments in Curry County, NM in 2023, and traveler accommodation 15, with 193 paid employees (County Business Patterns). An accounting firm funds software and an office fit-out and waits on client invoices; a motel funds furniture, fixtures and room upgrades without touching the mortgage. Either can start with the funding comparison before phoning.
Native-owned businesses in Curry County, NM apply for the six funding types here on the same terms as any other business: a partner reviews the request on the business's records, not on who owns it. Programs aimed at Native-owned businesses, where they exist, set their own eligibility; ask each one directly. Flintshore Financial can explain how the six funding types compare while you weigh a program alongside them.
Five Curry County, NM industries have their own pages: medical and dental practices, restaurants, retail, construction and auto repair. Other lines of work, including gyms, salons, landscapers, cleaning companies, concrete and excavation contractors, day care centers and gas stations, are covered here with their 2023 County Business Patterns counts and links to the funding pages that fit them.
An industry gets a page of its own here when the county has enough employer establishments in it for the page to carry real local figures. Five cleared that bar in Curry County, NM: ambulatory health care (79 employers), restaurants (37 full-service and 35 limited-service), retail (184), construction (102) and auto repair (30), all from County Business Patterns 2023. The remaining trades follow, each with its Census count and the funding pages that suit it.
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Phone (575) 242-8764 or send the request form with the expense and when cash returns, and we can go over which funding types match it.
