Retail holds more employer establishments than any other sector in Gray County, TX: 80 in 2023 (County Business Patterns).
A store cost can sit on equipment financing (cases and fixtures), working capital (a reorder or a prepay), inventory financing (stock as collateral) or a line of credit (stock buys paid down as goods sell). The examples on this page are invented; the counts come from County Business Patterns and Nonemployer Statistics.
At a glance
- Retail employer establishments, Gray County, TX
80 (CBP 2023)
- Paid employees at those stores
1,009 (CBP 2023)
- Retail businesses with no paid employees, Gray County, TX
97 (NES 2024)
- Retail establishments with a ZIP 79065 address
77 (ZBP 2023)
Putting Display Cases on an Equipment Loan at a Pampa, TX Retail Shop
A lighted glass case is one of the plainest things a store can finance: it has a price, a serial number and a resale value, so the case itself can be offered as the collateral. Jewelry stores sit inside the clothing and clothing accessories stores group (NAICS 448), and Gray County, TX counted 13 of those employer establishments in 2023 (County Business Patterns); 7 of them had fewer than five employees.
Illustration only, invented figures: a Pampa, TX jewelry store replaces worn cases with 4 lighted towers at $2,365 each, plus $390 for delivery and leveling, a total of $9,850. At 11.85% a year for 36 months the store owes $326.46 each month. Thirty-six of those make $11,752.56, and $1,902.56 of it is the cost of the money. A 48-month term sets the monthly figure at $258.66, $67.80 lighter, while the interest climbs to $2,565.68, or $663.12 more than the shorter term.
The case lights in this example plug into existing outlets. New circuits, wall cabinets or anything fixed to the building count as property work outside this site, so the request names only the freestanding cases. Equipment financing has its own page with machine-side examples.
Working Capital for Reorders: A Note for Pampa, TX Retailers
A reorder is money that comes back in pieces. The goods go on the shelf, sell over weeks, and the cash returns one sale at a time, so the question for a working capital loan is how long the stock sits, not only what it costs.
Illustration only, invented figures: a Pampa, TX pet supply store reorders from three vendors: $6,180 of dog and cat food, $3,915 of aquarium and small-animal supplies and $2,545 of leashes, beds and toys, $12,640 in all. Past sales say the order sells through in about 4 months. On a 10-month working capital loan at 13.25%, the payment is $1,342.03 and the interest totals $780.30; the store is still paying for this order six months after the last bag left the floor, and by then it has reordered twice.
Staying with the pet store's invented figures, a 5-month term at the same rate lifts the payment to $2,612.35 but ends a month after the stock is gone, with $421.75 of interest, $358.55 less; the catch is the larger payment, which has to fit beside the store's other bills. A store that would rather pledge the stock itself can look at inventory financing instead.
Business Loans for Retail for a Vendor Prepay: Notes for a Gray County, TX Retail Shop
New vendors sometimes ask a store to pay for its first order before it ships and offer invoice terms only after that. The prepay is a one-time hump: once the account is open, later orders may arrive on 30-day terms and need no funding at all. Gray County, TX had 9 employer establishments in the automotive parts, accessories and tire stores group in 2023 (County Business Patterns, NAICS 4413).
Illustration only, invented figures: a Pampa, TX tire dealer must prepay $11,730 for its first order with a new brand. Spread over 4 months of working capital at 13.7%, that is $3,016.67 a month, $12,066.68 across the four payments, so the prepay costs the dealer $336.68 on top of the tires.
Notes worth having before the call:
- The vendor's proforma invoice and the date the tires ship
- The written terms for orders after the first one (prepay again, or net 30)
- How many weeks the dealer expects that first shipment to last, from its own sales history
- Any balance already owed to other tire or parts suppliers
Credit Line Uses for Gray County, TX Retailers: A Closeout Lot and Other Stock Buys
A line of credit suits store costs that come and go: the draw pays the supplier, and sales pay the draw down a little each week. Interest runs only on what is still drawn, so weekly paydowns cost less than carrying the full price for the whole stretch.
Illustration only, invented figures: a Pampa, TX shoe store buys a $7,360 closeout lot of work boots from a distributor and draws the full amount on a line at 12.4% a year. Boot sales let it pay $920 back each Friday for 8 weeks. Interest per week is the starting balance times 12.4% times 7/365, rounded to the cent:
| Week | Balance at start | Interest that week | Paid down | Balance after |
|---|---|---|---|---|
| Week 1 | $7,360 | $17.50 | $920 | $6,440 |
| Week 2 | $6,440 | $15.31 | $920 | $5,520 |
| Week 3 | $5,520 | $13.13 | $920 | $4,600 |
| Week 4 | $4,600 | $10.94 | $920 | $3,680 |
| Week 5 | $3,680 | $8.75 | $920 | $2,760 |
| Week 6 | $2,760 | $6.56 | $920 | $1,840 |
| Week 7 | $1,840 | $4.38 | $920 | $920 |
| Week 8 | $920 | $2.19 | $920 | $0 |
Over those 8 invented weeks the line costs $78.76 in interest on the $7,360 lot. A restock of goods that sold out ahead of plan, or a distributor invoice due before card deposits settle, can run through the same line.
Records a Pampa, TX Retail Shop Gathers Before a Funding Call
These make the phone call specific, and a funding partner may ask for some of them during its own review:
- Monthly sales from the point-of-sale system for the last year, split by department if the system does that
- A recent stock count at cost, even a spreadsheet, with the slow-moving shelves marked
- Each vendor's terms (prepay, net 30, net 60) and what is owed to each today
- Business bank statements from the store's own account, covering whatever months a partner names
- The quote or proforma invoice for whatever the money is meant to buy
A store that takes a merchant cash advance instead of a loan sells part of its future card sales to a provider, so a provider may ask first for its card-processing statements. A factor sets its price instead of an annual rate, and it is not a loan.
Gray County, TX Retail Counts: Store Groups, Paid Staff and Payroll
Retail employer establishments in Gray County, TX reported 1,009 paid employees and $30.7 million of annual payroll for 2023 (County Business Patterns, NAICS 44-45). Shops with fewer than five employees accounted for 31 of the 80 (38.8%), leaving 49 with five or more.
| Store group (NAICS) | Employer establishments | Paid employees | Annual payroll |
|---|---|---|---|
| Clothing and clothing accessories stores (448) | 13 | 67 | $1,618,000 |
| Automotive parts, accessories and tire stores (4413) | 9 | 73 | $3,170,000 |
| Automobile dealers (4411) | 6 | 94 | $3,635,000 |
The table lists selected groups, not a ranking. Stores with no paid staff are a separate count: the 2024 Nonemployer Statistics show 97 retail businesses with no paid employees in Gray County, TX, with $9.1 million in combined receipts (NAICS 44-45).
Office ZIP 79065, which carries the Pampa, TX name, had 77 retail employer establishments in 2023 (ZIP Code Business Patterns). The Pampa, TX page sets that ZIP against its other sectors, and the industries overview has short notes on other trades.
By Robinstead Commercial Capital ยท Updated
