Fourteen Brazos County industries with their own funding pages, and short notes on many more, each tied to its census count and the structure that fits its cash cycle.
Materials and crews paid before a draw or invoice clears.
Contractor business loans in Bryan, TX: lines of credit for draws and retainage, equipment liens, UCC releases, cash flow and Brazos County, TX counts.
HVAC and plumbing business loans in Bryan, TX: service vans, parts stock, working capital, buying an HVAC company and Brazos County, TX trade counts.
Landscaping business loans in Bryan, TX: mower and trailer financing, crew payroll, install jobs, credit lines and Brazos County, TX landscaping counts.
Brazos County had 42 electrical contractor employers in 2023, with 819 employees (CBP 2023, NAICS 238210). Wire, panels and switchgear are bought before a job is billed, and commercial work can carry retainage. A revolving line of credit fits the materials-then-invoice cycle; bucket trucks and trenchers fit equipment financing. License checks for electricians are covered in the TDLR guide under resources.
Roofing contractors numbered 19 employers in the county in 2023 (CBP 2023, NAICS 238160), part of a wider group of 70 foundation, structure and exterior contractors (NAICS 2381). Shingles, underlayment and dumpsters go out before an insurer or owner pays. Materials and crew payroll between deposit and final payment suit working capital. The 138 roofing employees drew $10.4 million in payroll, about $75,442 apiece (our arithmetic, CBP 2023).
Brazos County had 39 janitorial employers in 2023 with 448 employees (CBP 2023, NAICS 561720), plus 6 carpet and upholstery cleaners (NAICS 561740). Contract cleaning runs on payroll paid every week or two and client invoices paid on terms. Floor machines and extractors fit equipment financing; the payroll gap fits working capital. Janitorial payroll reached $10.9 million across those 448 workers, near $24,382 per head (our arithmetic, CBP 2023).
Kitchen equipment, card receipts and food bought several times a week.
Restaurant business loans in Bryan, TX: kitchen equipment, food trucks, new restaurants, remodels and second locations, with Brazos County, TX counts.
Coffee shop business loans in Bryan, TX: espresso machines, opening costs, buying a bakery, card-receipt advances and Brazos County, TX counts.
Brazos County had 63 grocery store employers in 2023 with 3,174 employees (CBP 2023, NAICS 4451); 16 had a ZIP 77803 address (ZBP 2023). Coolers, freezers and checkout systems fit equipment financing; shelf stock fits inventory financing. That NAICS 4451 count includes the 41 convenience stores of NAICS 445120, which leaves 22 supermarkets and other grocers (our arithmetic). Payroll for the whole group was $78.4 million, about $24,692 per employee (our arithmetic).
Special food services, the Census group for caterers, contract food service and mobile food, had 78 employers in the county in 2023 (CBP 2023, NAICS 7223). A truck or trailer and its kitchen fit equipment financing; deposits on large events arrive before food and staff are paid. Those 78 employers carried 1,453 employees and $25.9 million in payroll in 2023 (CBP 2023), near $17,797 for each employee by our arithmetic.
Drinking places had 44 employers in Brazos County in 2023 with 804 employees (CBP 2023, NAICS 7224). Remodels and patio build-outs fit term loans; coolers, draft systems and ice machines fit equipment financing. Drinking-place payroll totaled $14.2 million, about $17,639 per employee (our arithmetic), and just 5 of the 44 had fewer than five employees (CBP 2023). Seven drinking places had a ZIP 77803 address (ZBP 2023).
Equipment purchases and claims that pay after the visit.
Medical practice loans in Bryan, TX: equipment financing for doctors, practice acquisition loans, working capital for the claims gap and county counts.
Dental practice loans in Bryan, TX: equipment financing, operatory build-outs, refinancing, practice purchases and Brazos County, TX dental office counts.
Chiropractic and therapy practice loans in Bryan, TX: treatment equipment, PT clinic working capital, optometry loans and Brazos County, TX counts.
Veterinary services had 32 employers in the county in 2023 with 454 employees (CBP 2023, NAICS 541940). Digital X-ray, ultrasound, surgical tables and kennels are equipment purchases; buying an existing clinic is a term-loan question. Compare equipment financing for the imaging and a term loan for the practice purchase. Clinic payroll came to $17.3 million, about $38,194 for each employee (our arithmetic), and 9 of the 32 clinics had fewer than five employees (CBP 2023).
Home health care services had 33 employers in Brazos County in 2023 with 1,060 employees (CBP 2023, NAICS 6216). Caregiver payroll goes out every week or two while insurers and programs pay claims later, a gap working capital can bridge. Agency payroll was $50.0 million, roughly $47,123 per caregiver or staff member (our arithmetic), and 9 of the 33 agencies had fewer than five employees (CBP 2023). Agency vehicles fit equipment financing.
Lifts, fuel, parts and store stock.
Auto repair shop loans in Bryan, TX: lifts and diagnostic equipment, parts and payroll, credit lines for fleet accounts and Brazos County, TX shop counts.
Gas station loans in Bryan, TX: convenience store financing, fuel and store stock, equipment, buying a station and Brazos County, TX station counts.
Automobile dealers numbered 28 employers in the county in 2023, with 921 employees (CBP 2023, NAICS 4411). Vehicle stock can be funded by floor-plan lines, a specialist product; lot improvements, shop equipment and service-bay lifts fit equipment financing or a term loan. Payroll at the 28 dealers came to $73.3 million, near $79,633 per employee by our arithmetic (CBP 2023), and 5 of them had a ZIP 77803 address (ZBP 2023).
Stock bought before it sells.
Retail business loans in Bryan, TX: inventory financing, credit lines, fit-outs and card-receipt advances for Brazos County, TX stores and boutiques.
Online sellers buy stock and packaging before orders ship, and marketplace payouts can arrive on a delay. Stock bought ahead fits inventory financing; a revolving line fits payout gaps. No separate county count for online-only sellers is published in the sources used here. Before a request, export a sales report by product from the store platform or marketplace, plus the payout statements that show how long each sale takes to reach the bank. Those two files are what an inventory request leans on.
Brazos County had 104 clothing and accessories stores, 36 furniture and home furnishings stores and 47 building material and garden supply dealers with payroll in 2023 (CBP 2023, NAICS 448, 442 and 444). Each buys stock ahead of sale, which fits inventory financing. Their payroll totals were $27.4 million, $12.1 million and $36.9 million respectively (CBP 2023), $76.4 million across the three groups (our sum).
Chairs, stations and build-outs.
Salon business loans in Bryan, TX: build-outs, chairs and stations, buying a salon or nail salon, salon suites and leases, with Brazos County, TX counts.
Fitness and recreational sports centers had 35 employers in the county in 2023 with 489 employees (CBP 2023, NAICS 713940). Treadmills, racks and studio fit-outs fit equipment financing; a second location fits a term loan. Gym and studio payroll was $7.4 million, about $15,096 per employee (our arithmetic), a figure that counts part-time and full-time staff alike. Eleven of the 35 had fewer than five employees (CBP 2023).
Payroll ahead of client payments, and practice purchases.
Law firm loans in Bryan, TX: credit lines for case costs and payroll, buying or buying into a firm, office build-outs and Brazos County, TX legal counts.
Insurance agency loans in Bryan, TX: buying a book of business, acquisition loan requirements, credit lines, new producers and Brazos County, TX counts.
Accounting, tax preparation, bookkeeping and payroll services had 51 employers in Brazos County in 2023 (CBP 2023, NAICS 5412). Buying a client book from a retiring practitioner fits a term loan; staff costs before clients pay can fit working capital. Their 348 employees drew $21.0 million in payroll, about $60,290 each (our arithmetic), and 32 of the 51 firms had fewer than five employees (CBP 2023).
Brazos County had 100 architecture and engineering employers and 109 management and technical consulting employers in 2023 (CBP 2023, NAICS 5413 and 5416). Both bill for hours already worked and wait on client payment, a receivables gap a line of credit can bridge. Architecture and engineering payroll was $87.5 million for 1,046 employees and consulting payroll $66.5 million for 609 (CBP 2023), close to $83,610 and $109,140 per employee (our arithmetic).
Computer systems design firms had 64 employers in the county in 2023 and office administrative services 43 (CBP 2023, NAICS 5415 and 561110). Payroll runs ahead of monthly client invoices, which fits working capital. Systems design firms paid $65.7 million to 734 employees, about $89,516 each, and office administrative services paid $23.8 million to 375, about $63,376 each (our arithmetic, CBP 2023).
Real estate agent offices had 91 employers in 2023, activities related to real estate 111, and lessors of real estate 124 (CBP 2023, NAICS 5312, 5313 and 5311). Property loans are outside this site; office build-outs and vehicles can fit a term loan or equipment financing. Of the 91 agent offices, 79 had fewer than five employees, and their combined payroll was $11.7 million (CBP 2023).
Renovations and building systems.
Traveler accommodation had 56 employers in Brazos County in 2023 with 1,212 employees (CBP 2023, NAICS 7211). Room renovations fit term loans; laundry equipment and HVAC units fit equipment financing. Lodging payroll was $32.8 million, about $27,047 per employee (our arithmetic), and 7 of the 56 properties had fewer than five employees (CBP 2023). Buying the property itself is outside this site; furniture, fixtures and laundry gear for a renovation can be quoted as equipment.
Machines, vans and payroll.
Brazos County had 130 manufacturing employers in 2023, including 26 fabricated metal shops and 11 food manufacturers (CBP 2023). Machine tools, welders and packaging lines are long-lived assets that suit equipment loans and leases. Raw material bought for a large order before the customer pays suits inventory financing or working capital. The 26 metal shops alone paid $43.2 million to 523 employees, close to $82,602 per worker (our arithmetic, CBP 2023, NAICS 332).
Commercial and industrial machinery repair had 15 employers in the county in 2023, and printing 11 (CBP 2023, NAICS 811310 and 323). Both run on expensive equipment: diagnostic rigs, presses and finishing lines. Replacement equipment fits equipment financing; parts stock for repair work can fit inventory financing. Machinery repair paid $6.7 million to 109 employees and printing $27.5 million to 738 (CBP 2023): roughly $61,367 and $37,210 per employee by our arithmetic.
Child day care services had 43 employers in the county in 2023 with 795 employees (CBP 2023, NAICS 624410). Playground equipment, vans and classroom fit-outs fit equipment financing; staff payroll ahead of tuition or program payments can fit working capital. Center payroll was $17.0 million, about $21,397 per employee (our arithmetic), and only 4 of the 43 had fewer than five employees (CBP 2023).
Warehousing and storage had 5 employer establishments in Brazos County in 2023, and food manufacturing 11 (CBP 2023, NAICS 4931 and 311). Forklifts, racking and processing lines fit equipment financing. The 5 warehouses employed 1,562 people on $75.0 million of payroll and the 11 food plants 1,906 on $68.4 million (CBP 2023), about 312 and 173 employees per establishment (our arithmetic).
Goldrock Advances, a small-business funding service in Bryan, TX, groups Brazos County industries by cash cycle. Fourteen have their own pages, from contractors and restaurants to dental practices and salons; short notes cover electricians, manufacturers, veterinarians, grocers, hotels and more, each with its County Business Patterns 2023 count and the funding structure that fits.
Funding partners consider businesses across most industries, and the trades, practices and shops of Brazos County are among them. What changes from one industry to another is the cash cycle: when money goes out, when it comes back, and what the business owns that can secure funding. Fourteen industries have their own pages, shown as cards in each group; the notes below cover the rest and link to the structure that can fit.
Counts are Brazos County employer establishments from County Business Patterns 2023 unless a line says otherwise. They are scale, not a ranking of who gets funded.
Plumbing, heating and air-conditioning contractors have their own page: HVAC and plumbing funding. In 2023 the county had 82 such contractors with payroll, 827 employees and $46.7 million in payroll, and 41 of them had fewer than five employees (CBP 2023, NAICS 238220). That page covers vans, drain cameras, install-crew wages and the records a funding partner reads.
Beauty salons, nail salons and barber shops have their own page: salon funding. Brazos County counted 39 beauty salons, 21 nail salons and 3 barber shops with payroll in 2023 (CBP 2023, NAICS 812112, 812113 and 812111). The salon page walks through stations, shampoo bowls, suite build-outs and how chair-rent income shows up in the bank deposits a partner reads.
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