Hazelford Funding, a small-business funding service in Lebanon, Tennessee, works with owners across Wilson County, TN by phone and online. This page gathers the Census figures for the city's main ZIP and the county, the official city and county websites, state and SBA resources, premises questions, and the nearby towns with their own pages.
| Payroll sites on ZIP 37087 | 1,232 payroll sites on the 2023 ZBP list |
|---|---|
| Payroll sites, all of Wilson County, TN | 3,345 payroll sites countywide, 2023 CBP release |
| Self-employment inside Lebanon, TN city limits | 6.2% of working residents, margin 1.3 (ACS 5-yr 2020-24) |
Small business in Lebanon, TN: what ZIP 37087 shows
ZIP 37087, Lebanon's main postal ZIP, held 1,232 employer establishments in 2023, with 17,889 paid employees and $916.5 million in annual payroll; 49.7% of those establishments had fewer than five employees (ZIP Code Business Patterns 2023). The ZIP is much larger than the city: Lebanon, TN covers only 14.3% of the ZIP's land, and the city's own land is split between ZIP 37087 (59.5%) and ZIP 37090 (35.7%), according to the 2020 Census ZIP-to-place relationship file. A 37087 mailing address is not proof of a city-limits location.
| Sector | Establishments | How many run with under five people |
|---|---|---|
| Retail Trade | 196 | 42.3% |
| Health Care and Social Assistance | 142 | 39.4% |
| Construction | 136 | 61.0% |
| Other Services | 126 | 57.1% |
| Accommodation and Food Services | 123 | 26.8% |
| Professional, Scientific and Technical Services | 102 | 66.7% |
Those sectors map onto Hazelford's industry pages: restaurants and cafes, accounting and consulting firms, chiropractic and therapy practices and eleven more on the industries page.
Wilson County, TN context
The county had 3,345 employer establishments in 2023 with 57,080 employees and $2.92 billion in annual payroll; 52.3% had fewer than five employees (County Business Patterns 2023). Retail Trade led by count with 485 establishments, then Construction with 405 and Health Care and Social Assistance with 339. Transportation and Warehousing paid the largest payroll, $660.8 million.
Nonemployer businesses, which have receipts but no payroll, numbered 17,438 in 2024 (Nonemployer Statistics 2024), a separate program and year. Housing permits are another public figure: 1,874 new housing units were authorized in 2023, 1,927 in 2024 and 1,982 in 2025 (Building Permits Survey).
Self-employment is lower inside the city than across the county: 6.2% (+/- 1.3) of Lebanon, TN's employed residents were self-employed, against 8.7% (+/- 0.9) for Wilson County, TN (American Community Survey 2020-2024). The county and Tennessee (9.8%, +/- 0.2) ranges touch, so the survey does not show a clear difference between them.
Local resources for Lebanon, TN owners
- City of Lebanon, TN official website: lebanontn.org (verified 2026-10-18).
- Wilson County, TN official website: wilsoncountytn.com (verified 2026-10-18).
- Tennessee Secretary of State, Business Services, for entity filings: sos.tn.gov/businesses (verified 2026-10-18).
- Tennessee Small Business Development Center locations: tsbdc.org/centers (verified 2026-10-18).
- SBA Tennessee District Office: sba.gov/district/tennessee (verified 2026-10-18).
Owners can also look for the Lebanon, TN chamber of commerce and the county's economic development organization. Hazelford has no affiliation with either, and their official pages were not verified for this site.
Before a partner asks, check the license and registration steps in the Lebanon, TN and Wilson County, TN business license checklist.
Leasing or buying commercial property in Lebanon, TN
Owners hunting for commercial property for lease in Lebanon, TN, or weighing Lebanon, TN commercial property for sale, should settle zoning before signing anything. The Lebanon, TN zoning and building permit checklist lists what to confirm with the city: the district, the permitted use, parking and any change-of-use permit.
Loans to buy commercial buildings are not something Hazelford arranges. What it does arrange is the business side of a move: a term loan for a tenant build-out, equipment financing for the fit-out, and working capital for the months before a new location carries itself. The full list is on the funding comparison page.
Eyeing a Lebanon, TN business for sale?
Buying an existing business is a separate kind of request that this site does not cover in detail. If you are looking at a Lebanon, TN business for sale, call to discuss whether Hazelford can help with any part of it.
ZIP 37087 next to the county, by our arithmetic
Dividing the published totals gives ZIP 37087 about 14.5 employees per employer establishment and about $51,235 of annual payroll per employee (ZIP Code Business Patterns 2023). For Wilson County, TN as a whole the same arithmetic gives about 17.1 employees per establishment and $51,206 per employee (County Business Patterns 2023). These are averages of very different businesses, not wages.
Self-employment inside the city splits between owners of incorporated businesses, 2.2% (+/- 0.8) of employed residents, and owners of unincorporated ones, 4.0% (+/- 1.1) (American Community Survey 2020-2024). The distinction matters for funding: an incorporated business usually brings its own bank account and tax return, while a sole proprietor's records often sit on a personal return.
Commercial property for lease in Lebanon, TN: questions before you call
- Is the parcel itself inside city limits?
- What did the last tenant use it for, and does your use match?
- Does the landlord offer an improvement allowance, and on what date is it paid out?
How Lebanon, TN owners reach Hazelford
Hazelford works by phone and through the online form, so there is nothing to schedule in person. Call (615) 576-8011, describe the expense and the business, and Hazelford will explain which funding shape fits and what partners usually ask for. Mail goes to 120 S Maple St, Lebanon, TN 37087.
Owners in nearby towns are covered too. Mount Juliet, Gallatin, Hendersonville and Carthage each have their own page, and other towns are described on the areas served page.
Who Hazelford Funding works with in Lebanon, TN
Hazelford Funding works with Lebanon, TN businesses of most kinds; contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock are common examples. The partner, not the industry, makes the decision.
What to gather before you call
- Last year's filed tax return for the business
- Current financial statements: profit and loss plus a balance sheet
- Government-issued ID for each owner
- Your articles of organization or incorporation and the EIN letter
- Details of any loans, leases or advances the business already carries
- For equipment, the seller's quote with make, model and price
Each lending partner sets its own list, so treat this as a starting point.
From first call to a partner's decision
- It starts with a call to (615) 576-8011 or the short contact form. On the phone we cover the purpose of the funds, time in business and approximate monthly revenue.
- We walk through the funding types that suit that purpose and the paperwork partners tend to ask for. Nothing goes out until you say so.
- Once you agree, the request goes to partners that provide that type of funding. The credit decision belongs to each partner.
- If a partner makes an offer, you compare the total cost, payment schedule and terms. You are never obligated to accept.
Owners in Lebanon, TN can start by phone or with the short online form; no office visit is needed.