This page sets out the Census counts for ZIP 31093, where Blackmont is listed, and for Houston County, GA, plus the city offices a request may touch.
Blackmont Lending in Warner Robins, Georgia helps owners in the city and across Houston County, GA describe an expense and passes the request to funding partners, who decide on approval and terms. The figures below are Census counts with their geography named.
At a glance
- Retail employers
Retail trade in Houston County, GA: 555 employer establishments (CBP 2023)
- Health care payroll
Health care and social assistance in Houston County, GA: $381.4 million payroll (CBP 2023)
- Self-employed residents
Warner Robins, GA residents who are self-employed: 6.8%, plus or minus 1.4 (ACS 2020-2024)
- County employers
Houston County, GA employer establishments: 2,832 (CBP 2023)
Banks, Credit Unions and Online Lenders for Warner Robins, GA Cafe Owners
A cafe owner in Warner Robins, GA can take an expense to several kinds of lender. A bank or credit union with a branch nearby may offer term loans and lines to customers it already knows, and some offer SBA-backed loans. Online lenders and equipment finance companies take requests from any location and price them from statements and credit. Merchant cash advance providers buy future card receipts rather than lend.
Blackmont Lending works differently from all of them: it matches a request with funding partners, and each partner reviews it and makes its own decision. For a cafe, that request could be an espresso machine, a second site's build-out or bean stock, each described with its cost and timing.
| Source | What it typically offers | What to compare |
|---|---|---|
| Bank or credit union | Term loans, lines of credit, SBA-backed loans | Rate, fees, collateral, how long a decision takes |
| Online lender | Term loans, lines, working capital | Total cost over the term, fees |
| Equipment finance company | Loans and leases on equipment | Total paid, any buyout at the end |
| Merchant cash advance provider | Buys future card receipts (not a loan) | Total collected against the sum received |
Warner Robins, GA Community and Economic Development: The City's Small Business Office
The City of Warner Robins runs a Community and Economic Development Department whose stated aims include support for small business entrepreneurs through project management, research and marketing. Its page links a guide on how to start a business in the city. Owners with questions about city programs can contact the department directly; Blackmont has no affiliation with it.
The same city site lists the Business License office, which handles the Commercial Occupation Tax Application, and the Planning and Zoning office, which handles zoning questions before a lease is signed. The occupation tax guide and the zoning and planning guide cover both.
Warner Robins, GA Retail Space for Lease and the Cost of Opening Inventory
Leasing retail space brings costs before the first sale: the deposit, the build-out, fixtures and the opening inventory to fill the shelves. Opening stock is the cost owners sometimes leave out of a funding request, and it can be the one that runs short first.
Illustration only, invented figures: a new boutique budgets $15,000 for opening inventory. Financed over 8 months at an annual rate of 12.5%, the payment would be about $1,964 a month, with payments totaling about $15,712 (our arithmetic). Retail trade had 174 employer establishments with a ZIP 31093 address in 2023, the largest sector count in that ZIP (ZIP Code Business Patterns).
Small Business for Sale in Warner Robins, GA: Funding the Purchase of a Store
Buying an existing store in Warner Robins, GA is funded the way any business purchase is: with a term loan sized to what the store earns, the buyer's own money and sometimes a seller note. The seller's tax returns, the lease, the stock count and the equipment list are the core of the request.
Business term loans works through an invented buyout with a down payment and a seller note.
Warner Robins, GA Commercial Real Estate: Funding the Purchase for Contractors
A contractor weighing a yard or shop building has two questions: lease or buy, and how to pay for what goes in it. The land and building would need a commercial real estate loan, and Blackmont does not arrange those. The equipment, the trucks and the working capital to run the yard are the parts a request through Blackmont can describe.
Houston County, GA had 185 construction employers in 2023 (County Business Patterns), and only 23 of them had a ZIP 31093 address (ZIP Code Business Patterns). Construction business loans covers equipment and draw gaps.
Small Businesses in Warner Robins, GA and the Houston County, GA Business Mix
Just under half of Houston County, GA's 2,832 employer establishments, 49.2%, had fewer than five employees in 2023 (County Business Patterns). Retail trade led with 555 establishments, followed by accommodation and food services with 404 and health care and social assistance with 403. Health care paid the largest payroll, $381.4 million.
The American Community Survey puts the self-employed share of employed residents at 6.8% (plus or minus 1.4) for Warner Robins, GA, 7.6% (plus or minus 0.9) for Houston County, GA and 10.1% (plus or minus 0.1) for Georgia (ACS 2020-2024). Warner Robins also reaches into Peach County, so county counts on this page describe Houston County, GA, not the city.
What ZIP 31093 Holds: Retail, Food Service and Clinic Employers Around Warner Robins, GA
In 2023 the 31093 postal ZIP held 628 employer establishments, which paid 11,306 employees a combined $448.2 million, and 45.2% of those employers had under five people on staff (ZIP Code Business Patterns). A ZIP is a postal area, not the city limits: Warner Robins covers 39.2% of ZIP 31093's land.
| Sector | Establishments | Share with fewer than five employees |
|---|---|---|
| Retail trade | 174 | 42.0% |
| Accommodation and food services | 112 | 22.3% |
| Health care and social assistance | 80 | 36.3% |
| Other services | 72 | 50.0% |
| Professional, scientific and technical services | 36 | 72.2% |
| Finance and insurance | 31 | 64.5% |
| Construction | 23 | 65.2% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023.
Where Blackmont Is Listed in Warner Robins, GA, and the Number That Reaches It
The address on file for Blackmont Lending is 115 Market St in Warner Robins, GA 31093. Phone (478) 209-5447 or use the online form; the contact page has the map.
The service area page covers Perry, GA and the towns nearby, the trade pages use Houston County, GA counts, the six side by side compares the funding types, and the Georgia food service permit guide covers kitchens.
The blog applies these Houston County, GA figures to single questions: how nail salons finance stations, how a daycare funds a new classroom, how gym owners finance treadmills, how motels fund FF&E replacements, how long business funding takes and when a cash advance makes sense for a coffee shop.
Lines of Business Partners Consider for the Warner Robins, GA Area
Funding partners consider Warner Robins, GA companies across many kinds of work, with contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock included. The partner working on a request judges each request against its own rules.
A Records Checklist for Companies in Warner Robins, GA
- Bank statements in the business's name up to the latest closed month
- A copy of the last business return on file (a partner may want personal returns as well)
- A year-to-date profit and loss summary plus a balance sheet from the same date
- Government photo identification covering each person who owns a share
- The company's registration with the state, plus the IRS letter with the EIN
- A short schedule of current debts with the monthly payment for each
Each partner names the files it wants, so take this list as a general guide.
How a Request Moves Along for a Company in Warner Robins, GA
- Give (478) 209-5447 a call or use the request form to say what the funds are for.
- The request moves on to partners that offer financing for that purpose.
- Each partner looks through the details; the decision rests with the partner.
- Should an offer come, compare its total cost and conditions; you choose whether to go ahead.
Warner Robins, GA companies can complete the request by phone or online.
By Blackmont Lending ยท Updated
