Cedarland Lending, a small-business funding service in Roswell, NM, uses this page to set out Chaves County, NM business figures from the Census Bureau, the sectors that lead them, the city license and permit steps owners meet before funding, and the industries with their own funding pages. Requests are taken by phone and online form.
| Chaves County, NM employer establishments | 1,342 (County Business Patterns 2023) |
|---|---|
| Under five employees | 50.3% of them, CBP 2023 |
| Businesses without payroll | 3,379 (Nonemployer Statistics 2024) |
Chaves County, NM business at a glance
| Measure | Figure | Source |
|---|---|---|
| Employer establishments | 1,342 | County Business Patterns 2023 |
| Employees at those establishments | 16,093 | County Business Patterns 2023 |
| Establishments with under five employees | 675 (50.3%) | County Business Patterns 2023 |
| Businesses with no paid employees | 3,379 | Nonemployer Statistics 2024 |
| Employed residents who are self-employed, Chaves County, NM | 7.4% (margin of error 1.4) | American Community Survey 2020-2024 5-year estimates |
| Same measure, City of Roswell, NM | 6.4% (margin of error 1.6) | American Community Survey 2020-2024 5-year estimates |
| Same measure, New Mexico | 10.2% (margin of error 0.3) | American Community Survey 2020-2024 5-year estimates |
CBP counts businesses with at least one employee; Nonemployer Statistics counts those without. They come from different programs and years, so this page reports them side by side and never adds them.
The sectors behind the county figures
Retail trade had the most employer establishments in Chaves County, NM in 2023, at 200, followed by health care and social assistance at 175, accommodation and food services at 141, other services (which includes repair shops and salons) at 132, and construction at 122 (County Business Patterns 2023). Health care and social assistance had the largest annual payroll, about $160.9 million.
Those sectors map onto the industry pages: contractors and builders, restaurants and food service, chiropractic, therapy and optometry practices and auto repair shops, with the full list on the industries hub.
Where ZIP 88203 and the Roswell, NM city line part ways
ZIP 88203 had 350 employer establishments in 2023 with 3,320 employees, and 54.9% of those establishments had fewer than five employees (ZIP Code Business Patterns 2023). Retail trade (52), construction (50), other services (42) and health care (31) led the ZIP's sector counts.
A Roswell, NM mailing address does not always mean a location inside city limits. By the Census Bureau's 2020 ZIP-to-place relationship file, 58.2% of the city's land lies in ZIP 88203 and 41.8% in ZIP 88201, but the city covers only 1.6% of ZIP 88203's land and 0.5% of ZIP 88201's. Check which jurisdiction a property sits in before applying for a license or permit.
Roswell, NM business license and permit steps
Partners commonly ask for proof that a business is properly set up where it operates. For a business inside Roswell, NM city limits, start with the City of Roswell, NM business license checklist, which covers applying, renewing and looking up a license. Contractors also need their state license in order; the New Mexico contractor license guide covers what to keep ready.
The city's official site is roswell-nm.gov and Chaves County, NM's is co.chaves.nm.us (both checked October 18, 2026).
New Mexico gross receipts tax records and funding
Owners in New Mexico file gross receipts tax returns, and partners sometimes ask to see recent filings alongside bank statements because they show reported sales over time. Keep copies of filed returns with the rest of the business records.
Buying a business or building in Roswell, NM
Owners searching for a small business for sale or commercial property in Roswell, NM usually need a term loan, sometimes with real estate financing alongside. Partners look at the seller's records and the property's condition; for the property record itself, the Chaves County, NM assessor's records are the starting point.
For equipment instead of a building, see equipment financing; for gaps between payments, working capital; and for all six options, the funding comparison.
Economic development help in Roswell, New Mexico
Before borrowing, an owner can look for the city's economic development organization and the regional small business development center. Cedarland is not affiliated with either and cannot speak for their programs.
Cedarland's Roswell, NM address
Cedarland Lending's office address is 123 US-285, Roswell, NM 88203, phone (505) 404-7463. Every Cedarland request comes in by phone or through the online form. Who Cedarland is and how it works is on the about page; phone details are on the contact page; and nearby towns are on the areas served page.
Who Cedarland Lending works with in Roswell, NM
Funding partners consider businesses across most industries in Roswell, NM, from contractors and construction trades and restaurants and food service to medical and dental practices and retailers and wholesalers that carry stock. Each partner still decides case by case.
Paperwork partners commonly ask for
- Recent business bank statements (partners often ask for three to six months)
- An up-to-date P&L and balance sheet, even if you prepare them yourself
- Photo ID for every owner of the business
- Formation documents and your EIN
- A list of existing business debts and payments
- For equipment, the seller's quote with make, model and price
Each lending partner sets its own list, so treat this as a starting point.
From first call to a partner's decision
- It starts with a call to (505) 404-7463 or the short contact form. On the phone we cover the purpose of the funds, time in business and approximate monthly revenue.
- We walk through the funding types that suit that purpose and the paperwork partners tend to ask for. Nothing goes out until you say so.
- Once you agree, the request goes to partners that provide that type of funding. The credit decision belongs to each partner.
- Any offer comes from the partner. Read the total cost, the payment schedule and the terms before deciding; turning it down is always an option.
Owners in Roswell, NM can start by phone or with the short online form; no office visit is needed.
By Cedarland Lending · Updated