Hazelford Funding, a small-business funding service in Lebanon, Tennessee, works with Gallatin, TN business owners in Sumner County, TN by phone and online. Gallatin's postal ZIP, 37066, held 1,279 employer establishments in 2023, with retail, health care and other services leading and a notable manufacturing presence. Owners request working capital, equipment, inventory and other funding through Hazelford.
| Payroll sites on ZIP 37066 | 1,279 payroll sites on the 2023 ZBP list |
|---|---|
| Manufacturing employers, ZIP 37066 | 70, ZBP 2023 |
| Miles from Lebanon, TN | About 15.5 miles northwest, Sumner County, TN |
Gallatin, TN in the ZIP 37066 figures
ZIP 37066 had 1,279 employer establishments in 2023, with 20,781 paid employees and $1.02 billion in annual payroll; exactly half had fewer than five employees (ZIP Code Business Patterns 2023). Gallatin sits almost entirely within this ZIP (99.9% of the city's land), but covers only 27.6% of the ZIP's land, so these are ZIP 37066 figures rather than city-limits figures. Gallatin is in Sumner County, TN, and Wilson County, TN figures do not describe it.
| Sector | Establishments | Share under 5 |
|---|---|---|
| Retail Trade | 190 | 47.9% |
| Health Care and Social Assistance | 161 | 42.9% |
| Other Services | 136 | 56.6% |
| Construction | 125 | 58.4% |
| Accommodation and Food Services | 123 | 27.6% |
| Finance and Insurance | 108 | 64.8% |
| Manufacturing | 70 | 15.7% |
What stands out in Gallatin, TN
Manufacturing is a notable sector in ZIP 37066: 70 manufacturing employers in ZIP 37066, and only 15.7% of them had fewer than five employees, so these are larger operations. Machine shops, fabricators and suppliers to bigger plants need equipment financing for machines and working capital for materials and payroll while customers pay on terms.
Finance and insurance is also strong, with 108 establishments. Insurance agencies are a large part of that group, and their funding needs center on hiring and renewals.
Self-employment among Gallatin, TN residents was 7.8% (+/- 1.5), with 2.5% incorporated and 5.2% unincorporated (American Community Survey 2020-2024).
Gallatin, TN plants, stores and agencies: matching funding
- Manufacturers and machine shops: equipment financing and working capital.
- Retailers: retail funding and inventory financing.
- Health practices: medical practice funding.
- Insurance agencies: insurance agency funding.
Licenses and permits for a Gallatin, TN location are handled by the city of Gallatin and Sumner County, TN.
Health care, retail and food service in ZIP 37066
Behind retail, health care is the second-largest sector in ZIP 37066, with 161 employer establishments in 2023, and fewer than half of them had fewer than five employees (ZBP 2023). Clinics and practices of that size carry real payrolls while insurers pay, so lines of credit and equipment financing can fit.
The ZIP's 123 accommodation and food services employers were mostly larger operations, with only 27.6% under five staff. Restaurants of that scale may finance kitchen equipment and use working capital to cover food and payroll in slow weeks. Wholesale trade, with 49 employers, adds another inventory-heavy group to the area.
Per-business averages in ZIP 37066
ZIP 37066 had 1,279 employer establishments, 20,781 paid employees and $1.02 billion of annual payroll in 2023 (ZIP Code Business Patterns 2023). That works out to about 16.2 employees per establishment and $49,306 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 Gallatin, TN's employed residents, 2.5% (+/- 0.9) owned an incorporated business and 5.2% (+/- 1.3) 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 Gallatin, TN owners reach Hazelford
Hazelford works by phone and online, so a Gallatin, TN owner does not need to travel. Call (615) 576-8011, describe the expense and the business, and Hazelford will explain the funding options and what partners usually ask for. Partners make their own decisions on each request. Other towns are on the areas served page, and the Lebanon, TN page explains how Hazelford works.
Who Hazelford Funding works with in Gallatin, TN
Owners in Gallatin, TN come from many trades and services, such as contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock. Partners review each request on its own merits.
Paperwork partners commonly ask for
- The last three to six months of business bank statements
- Current financial statements: profit and loss plus a balance sheet
- Government-issued ID for each owner
- Formation documents and your EIN
- Details of any loans, leases or advances the business already carries
- For equipment, the seller's quote with make, model and price
No two partners ask for exactly the same file, so use this as a checklist rather than a rule.
The steps after your first call
- You call (615) 576-8011 or send the short request form. When we speak, we go over what the money is for, how long you have been in business and roughly what the business brings in.
- 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.
- 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.
- If a partner makes an offer, you compare the total cost, payment schedule and terms. You are never obligated to accept.
Everything can be handled by phone or online from Gallatin, TN.