Hazelford Funding, a small-business funding service in Lebanon, Tennessee, works with Mount Juliet, TN business owners by phone and online. Mount Juliet's main postal ZIP, 37122, held 1,399 employer establishments in 2023, with retail and professional services leading. Owners there request working capital, equipment, inventory and the other funding shapes on the same terms as anyone else in Wilson County, TN.
| Payroll sites on ZIP 37122 | 1,399 payroll sites on the 2023 ZBP list |
|---|---|
| Professional and technical employers, ZIP 37122 | 172, ZBP 2023 |
| Miles from Lebanon, TN | About 12 miles west, Wilson County, TN |
Mount Juliet, TN businesses in the ZIP 37122 figures
ZIP 37122 had 1,399 employer establishments in 2023, with 21,779 paid employees and $1.08 billion in annual payroll; 55.6% of those establishments had fewer than five employees (ZIP Code Business Patterns 2023). The city sits almost entirely inside this ZIP (95.9% of Mount Juliet's land), but the ZIP is far larger than the city: Mount Juliet covers only 21.5% of ZIP 37122's land. These are ZIP 37122 figures, not city-limits figures.
| Sector | Establishments | Share under 5 |
|---|---|---|
| Retail Trade | 176 | 47.2% |
| Professional, Scientific and Technical Services | 172 | 76.2% |
| Health Care and Social Assistance | 153 | 45.8% |
| Construction | 152 | 63.2% |
| Other Services | 135 | 55.6% |
| Accommodation and Food Services | 133 | 21.1% |
What stands out in Mount Juliet, TN
Professional, scientific and technical firms are almost as numerous as retailers in ZIP 37122, with 172 establishments, and three in four of them had fewer than five employees. That is a much heavier professional presence than in Lebanon's ZIP 37087, which counted 102. Consultants, accountants, engineers and IT firms in Mount Juliet, TN tend to need funding for payroll while clients pay, not for equipment.
Real estate is also notable: 83 real estate and rental establishments, 83.1% of them with fewer than five employees. That group includes agents and small brokerages.
Self-employment among Mount Juliet, TN residents was 8.8% (+/- 2.3), with 3.9% running incorporated businesses and 5.0% unincorporated ones (American Community Survey 2020-2024). The margin is wide enough that the survey does not separate Mount Juliet from the county rate.
Mount Juliet, TN firms, shops and crews: matching funding
- Professional firms with receivable gaps: accounting, consulting and IT firms and lines of credit.
- Retailers buying ahead of demand: inventory financing.
- Builders and trades: contractor funding and equipment financing.
- Restaurants and cafes: restaurant funding.
Licenses and permits for a Mount Juliet, TN location are handled by the city of Mount Juliet and Wilson County, TN, not by Lebanon.
Contractors and food service in ZIP 37122
Construction is nearly level with the top three sectors in ZIP 37122, with 152 employer establishments in 2023, and 63.2% of them had fewer than five employees (ZBP 2023). Small builders and trade contractors carry crews and materials between draws, which makes a line of credit and equipment financing a natural pair.
Food service is the other side of the picture. The ZIP's 133 accommodation and food services employers were mostly larger operations: only 21.1% had fewer than five staff. Kitchens with bigger teams feel a slow week in payroll first, so working capital and equipment financing for coolers and kitchen lines can fit.
Averaging out the ZIP 37122 employers
ZIP 37122 had 1,399 employer establishments, 21,779 paid employees and $1.08 billion of annual payroll in 2023 (ZIP Code Business Patterns 2023). That works out to about 15.6 employees per establishment and $49,572 of payroll per employee, by our arithmetic. The ZIP and the town limits are not the same area, so read these as ZIP figures.
How Mount Juliet, TN owners reach Hazelford
Hazelford works by phone and through the online form; there is no need to drive to Lebanon, TN. Call (615) 576-8011, describe the expense and the business, and Hazelford will explain the options and what partners usually ask for. Partners review each request and make their own decisions. Other nearby towns are on the areas served page, and the Wilson County, TN figures are on the Lebanon, TN page.
Who Hazelford Funding works with in Mount Juliet, TN
Funding partners consider businesses across most industries in Mount Juliet, 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.
Documents to have ready
- Recent business bank statements (partners often ask for three to six months)
- Your most recent business tax return
- An up-to-date P&L and balance sheet, even if you prepare them yourself
- A driver's license or passport for each owner
- Proof of ownership and business registration
- A written quote or invoice if the money is for equipment
No two partners ask for exactly the same file, so use this as a checklist rather than a rule.
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 explain which funding types fit that use and what partners usually need to see. Nothing is submitted without your go-ahead.
- After you give the go-ahead, we share the request with suitable lending partners, and each one decides on its own.
- 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 Mount Juliet, TN.