Truepine Business Funding, a small-business funding broker in Carson City, Nevada, covers four sectors its lending partners have confirmed: construction, restaurants, medical and dental practices, and retail. In 2023 Carson City had 201 construction, 154 food service, 191 ambulatory health care and 208 retail employer establishments (Census CBP). Partners decide every request.
| Construction | 201 establishments, 1,232 paid employees (CBP 2023) |
|---|---|
| Food services and drinking places | 154 establishments, 2,454 paid employees (CBP 2023) |
| Ambulatory health care | 191 establishments, about $148.4 million payroll (CBP 2023) |
| Retail trade | 208 establishments, 3,403 paid employees (CBP 2023) |
| New housing units authorized | 573 in 2025 (Census Building Permits Survey) |
| Not covered | Agriculture and trucking businesses |
Four sectors in Carson City, NV numbers
| Sector | Employer establishments | Paid employees | Annual payroll | Share under 5 employees |
|---|---|---|---|---|
| Construction | 201 | 1,232 | $90.7 million | 59.7% |
| Food services and drinking places | 154 | 2,454 | $61.2 million | 25.3% |
| Ambulatory health care | 191 | 1,695 | $148.4 million | 49.2% |
| Retail trade | 208 | 3,403 | $149.1 million | 39.4% |
Source: U.S. Census Bureau, County Business Patterns 2023. These are county-level figures for the consolidated city-county.
Construction and the trades
Specialty trade contractors made up 123 of Carson City's 201 construction establishments in 2023, and builders of structures another 72 (U.S. Census Bureau, County Business Patterns 2023). A further 302 construction businesses operated without payroll in 2024 (U.S. Census Bureau, Nonemployer Statistics 2024). Residential permits jumped to 573 authorized units in 2025, from 264 in 2024 (Census Building Permits Survey).
Contractor funding usually follows the job: working capital to pay crews and suppliers while waiting on a draw, equipment financing for machines and trucks, and a line of credit for materials across overlapping jobs. Partners usually ask for the contract or draw schedule, an aging report of receivables, and bank statements.
Restaurants and food service
Carson City had 129 restaurants and other eating places with paid staff in 2023, employing 2,326 people; only 19.4 percent had fewer than five employees (U.S. Census Bureau, County Business Patterns 2023). That makes payroll the dominant cost for most of them.
Common needs are kitchen equipment, remodels, and a restaurant line of credit or working capital for food costs and payroll timing. Restaurants with heavy card sales are often offered merchant cash advances; compare loan structures first, because an advance is not a loan and usually costs more.
Medical and dental practices
Health care and social assistance was Carson City's largest sector in 2023, with 256 establishments and about $302.0 million in payroll. Within it, there were 50 physician offices with 674 employees and 36 dentist offices with 286 employees (U.S. Census Bureau, County Business Patterns 2023).
Practices typically finance imaging, chairs, sterilization and software with equipment financing, build out new treatment rooms with a term loan, and bridge insurance reimbursement delays with working capital. Partners often look at payer mix and accounts receivable aging alongside the usual financial statements.
Retail and wholesale
Carson City had 208 retail and 82 wholesale employer establishments in 2023, and 340 retail and 104 wholesale businesses without payroll in 2024 (U.S. Census Bureau, County Business Patterns 2023; Nonemployer Statistics 2024). Over half of the wholesalers, 54.9 percent, had fewer than five employees.
Stock is the central cost. Inventory financing suits large or planned purchases; a line of credit suits frequent smaller reorders; fixtures and point-of-sale hardware fit equipment financing.
How the four sectors differ in size
The share of very small employers varies widely across the four sectors in Carson City. In construction, 59.7 percent of employer establishments had fewer than five employees in 2023; among restaurants and other eating places it was 19.4 percent, among dentist offices 30.6 percent and among retailers 39.4 percent (U.S. Census Bureau, County Business Patterns 2023).
That difference changes how a request is reviewed. A two-person trade business is judged largely on the owner's own credit and bank statements. A restaurant with twenty staff is judged on its sales, payroll and existing obligations. Neither is better placed; they simply need different paperwork.
What partners commonly ask each sector for
| Sector | Often requested beyond bank statements |
|---|---|
| Construction | Contracts or draw schedules, receivables aging, equipment quotes |
| Restaurants | Card processing statements, sales reports, lease terms |
| Medical and dental | Payer mix, receivables aging, equipment quotes |
| Retail and wholesale | Inventory reports, supplier invoices, sales by month |
Each partner sets its own list; this table is a starting point for preparation.
Businesses outside these four sectors
Partners have not confirmed appetite for other sectors, and we do not work with agriculture or trucking businesses. If your business is in another field, call before preparing documents and we will say plainly whether we can help. Local context for every sector is on the Carson City, NV page.
By Truepine Business Funding · Updated