Cedarland Lending, a small-business funding service in Roswell, NM, lists here the kinds of local help Chaves County, NM owners use: chambers of commerce, small business development advisers, economic development offices and county property records. Cedarland is not affiliated with these organizations; contact details still need a human check and are marked as such.
Official city and county sites
- City of Roswell, NM: roswell-nm.gov (verified October 18, 2026)
- Chaves County, NM: co.chaves.nm.us (verified October 18, 2026)
Both are starting points for licenses, permits, property records and local notices.
Roswell, NM chamber of commerce
A chamber of commerce website is a place to look for networking, member directories and local events; the Roswell, NM chamber and the Hispano Chamber of Commerce in Roswell, NM are two to search for. Cedarland has not verified these organizations' current details.
New Mexico small business development center
Small business development centers offer advising on business plans, cash-flow projections and loan packages; ask the center about any fees. A plan reviewed by an adviser can make a funding request clearer.
Roswell, New Mexico economic development
Economic development organizations help with site searches, local incentives and introductions. Owners planning an expansion or a second location often contact them early.
Chaves County, NM assessor and property records
Before buying or leasing a building, owners check the county's property record for ownership, parcel details and assessed values. Partners financing a purchase may ask for the same information.
Who ends up using these resources in Chaves County, NM
In a very small business, the owner is often also the bookkeeper. The Census Bureau counted 1,342 employer establishments in Chaves County, NM in 2023, and 675 of them had fewer than five employees (County Business Patterns 2023). A separate program counted 3,379 businesses with receipts but no paid employees in 2024 (Nonemployer Statistics 2024). The two programs measure different things, so they are not added together here.
Self-employment here trails the statewide share: 7.4% of employed Chaves County, NM residents were self-employed, against 10.2% for New Mexico as a whole, and 6.4% inside the City of Roswell, NM (American Community Survey 2020-2024 5-year estimates, with margins of error of about 1.4, 0.3 and 1.6 points). For a one- or two-person firm, an adviser or a chamber introduction is often the first outside help it ever gets, and that help tends to come before any funding request.
A sensible order of calls before an expansion or purchase
- Confirm jurisdiction for the address with the city (roswell-nm.gov) or the county (co.chaves.nm.us). Everything else depends on which set of local records applies.
- Pull the parcel record so the owner of record and parcel number match the lease or purchase agreement you are about to sign.
- Take the numbers to an adviser and ask them to test the month-by-month cash-flow projection, not just the annual total.
- If a site search or incentive is part of the plan, speak to the economic development organization early; its calendar may not line up with a landlord's deadline.
- Use chamber introductions for the contractor, supplier and landlord contacts whose quotes the request will need.
- Assemble the funding request last, once the records from the first five calls agree with each other.
An owner who reverses that order, asking for money first and checking zoning or parcel details later, can find a mismatch halfway through a review. The city license guide and the zoning and permits checklist cover the jurisdiction step in more detail.
What to carry into a first advising session
- The last two years of business tax returns
- This year's profit and loss, through last month
- Twelve months of statements for the business bank account
- A list of current loans, leases and advances with each monthly payment
- One paragraph on what the money would pay for, with any quotes
- Your own draft of next year's monthly cash flow, however rough
Two questions get the most out of the hour: which of these numbers would an outside reviewer question first, and does the projection still work if sales arrive a month later than planned? The answers usually show what to fix before a request goes out.
Contact log: what each kind of organization adds to a funding file
| Contact | What to ask | What it adds to the request |
|---|---|---|
| City of Roswell, NM | Whether the address is inside city limits; license and permit status | Shows which local records a reviewer should expect to see |
| Chaves County, NM | Parcel, owner of record and county permits outside city limits | Lets the names on a lease or purchase match the property record |
| Small business development center | A second opinion on projections and use of funds | A tighter, better-supported proposal |
| Economic development organization | Sites, incentives and introductions | Context for an expansion or second location |
| Chamber of commerce | Member directories and introductions | Names of contractors and suppliers who can quote the work |
Write down who you spoke to and the date. When a reviewer later asks how a figure was confirmed, a dated note is easier to point to than a memory of a phone call.
Using the assessor record without over-relying on it
The county's property record is a quick early check: it shows who owns the parcel and how it is described. It is not a title search or an appraisal. A partner financing a building purchase will usually arrange its own title and valuation work, so treat the assessor page as a way to catch an obvious mismatch, such as a seller whose name differs from the owner of record, before you put down a deposit.
How these resources fit with a funding request
Advisers can help shape a plan; Cedarland helps turn the plan into a request partners can review. Compare funding types on the six-way comparison, see local counts on the Roswell, NM page, or browse the other guides.
Cedarland Lending is not affiliated with, endorsed by or a partner of any chamber, SBDC, economic development organization, the City of Roswell, NM or Chaves County, NM.
By Cedarland Lending · Updated