Business funding in Houma, Louisiana, seat of Terrebonne Parish, Louisiana, is the subject here. It gives employer counts by sector for ZIP 70360, the Houma ZIP that holds the office, parish and city self-employment shares, the kinds of lenders and funding partners that serve local businesses, where zoning and chamber questions go, buying an existing business, and where Tealford Business Capital is located.
At a glance
- Employees in ZIP 70360
19,366 (ZIP Code Business Patterns 2023)
- Self-employed residents, Houma, LA
8.9% (+/- 1.8) (American Community Survey 2020-2024)
- Employer establishments, Terrebonne Parish, LA
2,598 (County Business Patterns 2023)
Houma, LA Business Loans, Option by Option, With the Office ZIP Counted
ZIP Code 70360, the Houma, LA ZIP that holds Tealford's office, held 1,233 employer establishments in 2023, employing 19,366 people with $1,036.6 million in annual payroll; 46.6% had fewer than five employees (ZIP Code Business Patterns 2023). The ZIP and the city are different shapes: the city covers only 9.4% of the ZIP's land, so these are ZIP figures, not city figures.
| Sector, ZIP 70360 | Employer establishments, 2023 | Share with fewer than five employees |
|---|---|---|
| Health care and social assistance | 210 | 43.3% |
| Retail trade | 193 | 38.3% |
| Professional, scientific and technical services | 138 | 68.1% |
| Accommodation and food services | 119 | 16.8% |
| Construction | 81 | 55.6% |
| Wholesale trade | 70 | 40.0% |
Each sector points to different funding. Clinics weigh equipment financing for imaging and term loans for buy-ins; stores weigh inventory financing; contractors and wholesalers weigh lines of credit for the weeks between paying suppliers and being paid.
Commercial Lenders Near Houma, LA and the Partners Behind a Request
Several kinds of funders serve Terrebonne Parish, LA businesses. Banks and credit unions make term loans, lines of credit and real estate loans, reading years of returns. Community development financial institutions lend with a mission focus. Equipment finance companies, some tied to dealers, fund machines. Online and specialty funders make working capital loans and merchant cash advances read from deposits. The Louisiana lender-types guide compares them.
Tealford Business Capital sits outside that list. It matches a request with funding partners, and a partner reviews it and makes its own decision on approval and terms. That lets one conversation cover several kinds of funders, but no request is assured of an offer.
Self-Employment in Houma, LA Compared With the Parish and the State
The American Community Survey estimates 8.9% (+/- 1.8) of employed Houma, LA residents are self-employed, 3.8% in incorporated businesses and 5.1% in unincorporated ones (American Community Survey 2020-2024). For Terrebonne Parish, LA as a whole the share is 9.8% (+/- 1.2), and for Louisiana 10.6% (+/- 0.2). The margins overlap, so treat the city and parish shares as similar rather than ranked.
Nonemployer Statistics counted 8,621 parish businesses with no paid employees in 2024, with $439.5 million in receipts (Nonemployer Statistics 2024). Requests from businesses like these are read on the owner's own deposits and credit.
Terrebonne Parish, LA Zoning Map and Permit Questions Before a Build-Out
Terrebonne Parish Consolidated Government, headquartered in Houma, LA, publishes a GIS map viewer linked from its website as GIS Maps, and the site describes online services for submitting requests and applying for permits. Check the zoning of a property before signing a lease or ordering equipment that needs electrical or plumbing work. The permits and zoning guide sets out the questions to ask.
Houma, LA Chamber of Commerce, Small Business Advising and Parish Offices
The Houma-Terrebonne Chamber of Commerce is the local chamber. The Louisiana Small Business Development Center has a center at Nicholls State University listed by Louisiana Economic Development; ask the center about any fees. Occupational licenses and parish sales tax are handled by parish offices; the occupational license guide and the sales tax guide explain each. Tealford is independent of the chamber, the SBDC center and the parish offices named here.
Houma, LA Business for Sale: Funding the Purchase of a Going Concern
Buying an existing business pays for its equipment, stock, lease rights and customers, and a term loan sized from the business's own returns can fund it. Illustration only, invented figures: a buyer agrees to $310,000 for a Houma, LA auto repair shop, brings $46,500 and finances the rest over 120 months at an invented 10.5% annual rate, about $3,556 a month (our arithmetic). The acquisition article goes step by step.
Commercial Property for Sale in Houma, LA: Where Tealford's Funding Stops
Loans for buying commercial real estate are outside what Tealford arranges. A buyer of a building talks to a bank or credit union for the property itself. What Tealford can help with sits around it: the equipment that goes in, the build-out on a leased space, the stock on the shelves and the working capital to open. The six funding types explain each.
Where Tealford Business Capital Is Located in Houma, LA
Tealford Business Capital is located at 8011 W Main St, Houma, LA 70360. A request starts with a call to (985) 256-3087 or the request form. The areas served page covers Gray, LA, Raceland, LA and other nearby places, and the trade pages cover thirteen Terrebonne Parish, LA industries.
Trades and Industries Partners Review Within Houma, LA
A Houma, LA request can come from almost any type of local business; common examples are contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock. The partner reading the file reaches a decision by its own standards.
Records to Line Up for Houma, LA Applicants
- Business bank statements, including the most recent one
- The latest business tax return plus any personal returns a partner asks for
- A current profit and loss statement and the latest balance sheet
- Formation papers such as articles of organization, and the EIN confirmation from the IRS
- A list of current business debts and the payment due on each every month
- For equipment requests, the seller's quote stating the equipment and what it costs
Partners set their own document lists, so plan on these items at minimum.
How a Request Proceeds for Houma, LA Employers
- Start with a call to (985) 256-3087 or fill in the form with a few words on the purpose.
- The request goes to partners that handle this type of funding.
- A partner reviews the request, and only the partner makes the decision.
- If an offer comes back, compare the total cost, payment schedule and terms; turning it down is always fine.
Owners in Houma, LA can take every step by phone or through the form.
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