Deerbank Capital Group, a small-business funding service in Conway, South Carolina, explains business loans for retail in Horry County: inventory, fixtures, credit lines and buying a store, with county retail counts by store type from the Census Bureau and links to the clothing, pharmacy and grocery pages. Funding partners review each request and decide.
At a glance
- Retail employers, Horry County, SC
1,858 (CBP 2023)
- Retail paid employees
26,959 (CBP 2023)
- Retail businesses without payroll
2,782 (Nonemployer Statistics 2024)
Horry County, SC Retail Employers by Store Type, 2023
| Industry (NAICS) | Employer establishments | Paid employees | Annual payroll | Under 5 employees | ZIP 29526 |
|---|---|---|---|---|---|
| Clothing and accessories stores (448) | 390 | 4,318 | $104.4 million | 33.6% | 16 |
| Gasoline stations (4471) | 173 | 1,290 | $35 million | 29.5% | 28 |
| Health and personal care stores (4461) | 132 | 1,372 | $49.3 million | 42.4% | 14 |
| Grocery stores (4451) | 113 | 4,844 | $128.9 million | 41.6% | 15 |
| Furniture and home furnishings (442) | 109 | 1,122 | $49.1 million | 39.4% | 12 |
| Building material and garden supply (444) | 105 | 2,363 | $88.2 million | 39.0% | 26 |
| Other general merchandise stores (452319) | 104 | 810 | $17.6 million | 20.2% | 19 |
| Automobile dealers (4411) | 63 | 1,869 | $142 million | 44.4% | 10 |
Retail trade as a whole counted 1,858 employer establishments, 26,959 paid employees and $938.7 million in payroll in 2023, more establishments than any other sector in the county (County Business Patterns); 41.1% had fewer than five employees. ZIP 29526 alone had 217 retail employers (ZIP Code Business Patterns).
Retail Business Loans in Horry County, SC: What Changes Locally
Business loans for retail in Conway, SC follow the store's buying calendar. A partner reads when stock is ordered, when it sells and how much is left over, alongside bank statements and returns. Deerbank Capital Group matches your request with funding partners, who review it and make their own decision. In Horry County, SC the useful local fact is the size of the field: 1,858 retail employers in 2023, from fuel stations to furniture showrooms.
Retail Business Funding for Conway, SC Firms
Retail business funding comes in the six standard shapes. Inventory financing pays for stock with the goods as security; a line of credit covers repeat orders of varying size; equipment financing pays for coolers, point-of-sale systems and shelving; a term loan pays for a remodel or a second store.
Liquor Store Loan in Horry County, SC: What Changes Locally
A liquor store loan is read like any retail request, with the state license added: the partner wants to see that the license is current and, for a purchase, whether it can transfer to the buyer. Liquor stores carry high-value stock, so inventory records and insurance get a close look.
Retail Financing: Questions Conway, SC Owners Ask
Retail financing questions from owners are practical ones: can stock already on the shelves secure a loan, does a credit line cover a buying trip, can a store be bought with the stock included. The answers depend on the partner, but the records are the same: inventory reports, sales history, supplier invoices and the lease.
Retail Trade Loan for Horry County, SC Employers
A retail trade loan for a Horry County, SC employer also has payroll in it: retail employers paid $938.7 million in wages in 2023 across 26,959 paid employees, about $34,818 per employee (our arithmetic). Stock and wages are both paid before the register catches up.
Furniture Store Loans for Horry County, SC Employers
Furniture stores buy large, slow-selling pieces, so inventory financing and floor-plan style lines fit them. Horry County had 109 furniture and home furnishings employers in 2023 (County Business Patterns). A partner reads how long pieces sit before they sell and whether customer financing programs delay the store's cash.
Liquor Store Financing Notes for Horry County, SC Owners
Liquor store financing for stock is inventory financing with a license attached. For a purchase, the partner reads the seller's returns, the stock count at closing and the license status; for a remodel, the contractor's bid and the lease.
Clothing Stores, Pharmacies and Grocers Have Their Own Pages
Three retail types have their own pages with fuller detail: boutique loans for clothing stores, pharmacy financing and grocery store loans. The other store types in the table are covered here and on the industries page.
Splitting a Stock Order Between Two Kinds of Financing
Illustration only, invented figures: a store places a $36,000 order for the coming months. In this invented example an inventory partner advances 55% of cost, $19,800 (our arithmetic), and the owner draws the remaining $16,200 from a credit line, paying both down as the stock sells.
Shelf-to-Register Records for a Horry County, SC Retail Request
- Inventory reports at cost, by category.
- Point-of-sale sales history.
- Supplier invoices and purchase orders.
- Business bank statements and tax returns.
- The lease and its remaining term.
Store counts sit inside the wider Horry County, SC sector table on the Conway, SC page.
By Deerbank Capital Group ยท Updated
