Requests reach independent funding partners through Wrenway Funding by phone or form, and the partner decides on any offer.
Display cases fit equipment financing or a lease; a prepaid vendor order fits a line draw repaid as the goods sell; machines and stock bought together can go on two products. A one-person store can request the same funding types.
At a glance
- Retail employer establishments, Lawrence County, TN
170 (CBP 2023)
- Fewer than five employees
80 of 170 (47.1%)
- Paid retail employees in the county
1,663 (CBP 2023)
- Retail employers at a ZIP 38464 address
120 (ZBP 2023)
Store types inside the 170 Lawrence County, TN retail establishments
With 170 employer establishments in 2023, retail trade (NAICS 44-45) led every Lawrence County, TN sector by count; its 1,663 paid employees earned $51.6 million in annual payroll. The County Business Patterns break that total into store types, and the costs each type can bring are not the same.
| Store type (NAICS) | Establishments | A cost such a store can request funding for |
|---|---|---|
| All Other General Merchandise Stores (NAICS 452319) | 18 | Gondola runs and a larger stock order |
| Automotive Parts, Accessories, and Tire Stores (NAICS 4413) | 17 | Tire service machines; parts and tire stock |
| Grocery and convenience stores (NAICS 4451) | 12 | Refrigerated cases; a weekly stock order |
| Health and Personal Care Stores (NAICS 4461) | 10 | Front-store fixtures and stock |
The ZIP-level file for 2023 shows 120 retail employer establishments with a ZIP 38464 address (ZIP Code Business Patterns), a separate measure from the county figure. The other trades with full pages, from restaurants to plants, are listed on the industries page.
Lighted retail display cases in Lawrenceburg, TN: cash, lease or loan
Glass display cases with lighting inside are freestanding store equipment: they can move with the store if it relocates. That makes them a fit for equipment financing, where the cases secure the loan, or for a lease. Cabinetry fixed to the walls, new floors and electrical runs belong to the building, so they sit outside this site.
Illustration only, invented figures: a jewelry and watch repair shop prices five lighted display cases at $17,240. Paid off in three years at 11.95% a year, the cases cost $572.20 a month and $20,599.20 altogether. A fourth year at that rate brings the monthly figure down to $453.57 and raises the total to $21,771.36.
That extra year is the trade in this invented example: $118.63 less each month, $1,172.16 more interest overall. Paying cash keeps the cases out of any loan but uses money the shop may need for stock, and a lease can suit a retail shop that is unsure how long it plans to stay in its current space.
A vendor that wants payment with the order: a credit line draw for a Lawrence County, TN retail shop
Some vendors ship only after payment: on a first order, on a large order, or on a closeout lot offered below the usual price. The retail shop pays weeks before the goods reach the shelf and longer before they sell.
Illustration only, invented figures: a Lawrence County, TN sporting goods store prepays a $12,380 closeout order. It draws the full amount on a line of credit at an annual rate of 12.85%, repays half after 30 days as the first sales come in and the rest 22 days later. In all, the draw carries $178.70 of interest (simple daily interest, our arithmetic).
A line of credit matches this kind of order because interest runs on the drawn balance and stops as it is repaid. Inventory financing is the other product to compare for stock bought to resell; that page works through paydowns on a stock purchase.
A tire changer, a wheel balancer and the tires themselves: two products for one Lawrenceburg, TN tire store purchase
The county's 17 automotive parts, accessories, and tire stores (NAICS 4413) included 8 with fewer than five employees in 2023. A tire store that adds a tire changer and a wheel balancer is buying machines that last years, while the tires on its rack sell within weeks or months. One long loan for both would leave the store paying for tires long after they were sold.
Illustration only, invented figures: a tire changer and a wheel balancer cost $14,960. The shop finances the pair for four years at 11.15% a year: $387.74 a month, $18,611.52 across all 48 payments. The added tire sizes the store wants on the rack go on inventory financing instead, paid down as the tires sell.
For the tire stock, a store whose sales run through card terminals has one more option, a merchant cash advance. That advance is not a loan; the provider takes a slice of each day's card receipts until the purchased amount is collected.
Retailers with no employees in Lawrence County, TN: the same request form for a one-person shop
Counted in a different survey, Nonemployer Statistics for 2024, Lawrence County, TN had 342 retail businesses without paid employees and $27.9 million in their receipts. Its counts and the employer counts above are never added together.
Having no staff does not narrow the list of products a Lawrence County, TN shopkeeper can ask about. The request form asks for the same seven items from every retailer, including time in business, annual revenue and the amount requested, whatever the payroll. Partners may weigh a sole owner's bank statements and credit, and they set any offer.
The Lawrenceburg, TN page sets the county's retail and manufacturing counts side by side and shows how to reach the Wrenway Funding desk.
By Wrenway Funding ยท Updated
