Hazelford Funding, a small-business funding service in Lebanon, Tennessee, works with Carthage, TN business owners in Smith County, TN by phone and online. Carthage's postal ZIP, 37030, held 171 employer establishments in 2023, led by retail, with 2,738 paid employees. Owners request working capital, equipment, inventory and other funding through Hazelford.
| Payroll sites on ZIP 37030 | 171 payroll sites on the 2023 ZBP list |
|---|---|
| Stores with payroll on ZIP 37030 | 37, ZBP 2023 |
| Miles from Lebanon, TN | About 20 miles east, Smith County, TN |
Carthage, TN in the ZIP 37030 figures
ZIP 37030 had 171 employer establishments in 2023, with 2,738 paid employees and $128.2 million in annual payroll; 51.5% had fewer than five employees (ZIP Code Business Patterns 2023). The town lies entirely within the ZIP, but the ZIP is much larger: Carthage covers only 4.5% of ZIP 37030's land. Most of the businesses counted here may sit outside the town itself. Carthage is in Smith County, TN, so Wilson County, TN figures do not describe it.
| Sector | Establishments | Share under 5 |
|---|---|---|
| Retail Trade | 37 | 35.1% |
| Other Services | 20 | 75.0% |
| Professional, Scientific and Technical Services | 18 | 72.2% |
| Construction | 17 | 52.9% |
| Health Care and Social Assistance | 17 | 35.3% |
| Accommodation and Food Services | 15 | 26.7% |
| Finance and Insurance | 11 | 54.5% |
What stands out in Carthage, TN
Retail leads by a wide margin, with 37 of the ZIP's 171 employers, and most of those stores have five or more staff. Other services, such as repair shops, salons and personal services, come second, and three in four of them are very small.
The ZIP's employers are larger than the count suggests: 2,738 paid employees across 171 establishments in 2023. A small number of bigger employers can carry much of that total, so the figure says little about a typical Carthage, TN shop.
The American Community Survey estimate of self-employment for Carthage, TN carries a wide margin of error for a town of this size, so this page does not quote it.
Carthage, TN shops, crews and practices: matching funding
- Shops and stores: retail funding and inventory financing.
- Repair shops and service businesses: auto repair funding and equipment financing.
- Contractors: contractor funding.
- Restaurants: restaurant funding.
Licenses and permits for a Carthage, TN location are handled by the town of Carthage and Smith County, TN.
A small-town request from Carthage, TN
A business in a ZIP of 171 employers may wear several hats: a hardware counter that also rents equipment, a repair shop that sells tires, a restaurant that caters. A request from Carthage, TN is easier for a partner to read when it explains how the business earns across those lines, which months are strongest, and what the money will pay for.
Construction employers in ZIP 37030 numbered 17 in 2023, and health care another 17 (ZBP 2023). For contractors, equipment financing for a truck or a mini excavator is a natural first request; for practices, it is equipment or working capital while insurers pay.
ZIP 37030 employers, divided out
ZIP 37030 had 171 employer establishments, 2,738 paid employees and $128.2 million of annual payroll in 2023 (ZIP Code Business Patterns 2023). That works out to about 16.0 employees per establishment and $46,812 of payroll per employee, by our arithmetic. The ZIP and the town limits are not the same area, so read these as ZIP figures.
Among Carthage, TN's employed residents, 1.6% (+/- 1.7) owned an incorporated business and 6.3% (+/- 3.7) an unincorporated one (American Community Survey 2020-2024). An unincorporated owner applying for business funding should expect a partner to read the personal tax return alongside the business bank statements.
How Carthage, TN owners reach Hazelford
Hazelford works by phone and online, so the drive to Lebanon, TN is not needed. Call (615) 576-8011, describe the expense and the business, and Hazelford will explain the options and the documents partners usually ask for. Partners review each request and make their own decisions. Gordonsville, TN and South Carthage, TN are described on the areas served page, and the Lebanon, TN page explains how Hazelford works.
Who Hazelford Funding works with in Carthage, TN
Funding partners consider businesses across most industries in Carthage, TN, from contractors and construction trades and restaurants and food service to medical and dental practices and retailers and wholesalers that carry stock. Each partner still decides case by case.
What to gather before you call
- The last three to six months of business bank statements
- Your most recent business tax return
- An up-to-date P&L and balance sheet, even if you prepare them yourself
- Government-issued ID for each owner
- Proof of ownership and business registration
- A simple schedule of current business debt and monthly payments
Partners differ in what they request; this list covers the usual ground.
From first call to a partner's decision
- Reach us at (615) 576-8011 or through the contact form. When we call back, the first questions are simple: what the funding is for, how long the business has operated and its rough revenue.
- You hear which options match the need and what a partner will likely want to review. We submit nothing without your approval.
- With your permission, we take the request to lending partners that offer that kind of funding. Each partner reviews it and makes its own credit decision.
- When an offer arrives, weigh its full cost, how payments are scheduled and the conditions. Accepting is entirely your choice.
Owners in Carthage, TN can start by phone or with the short online form; no office visit is needed.