Lynxstead Financial, a small-business funding broker in Toms River, NJ, explains how funding structures fit Ocean County's main sectors: construction (1,970 employer establishments), restaurants (1,150), ambulatory health care (1,454) and retail (2,057), per Census County Business Patterns 2023. Lending partners that fund these sectors make the credit decisions and set rates and terms.
Ocean County, NJ's business mix
Ocean County had 15,020 employer establishments in 2023. Retail trade had the most, at 2,057, followed by health care and social assistance at 2,025, construction at 1,970, other services at 1,587 and professional, scientific and technical services at 1,419. Health care paid the largest annual payroll of any sector, about $2.67 billion (U.S. Census Bureau, County Business Patterns 2023).
Lynxstead Financial's lending partners fund construction, restaurants, medical and dental practices, and retail and other inventory-based businesses. Each of the first three has its own page; retail is covered below and on the inventory financing page.
Retail and wholesale in Ocean County, NJ
Retail trade had 2,057 employer establishments in Ocean County in 2023, employing 29,880 people; 47.8 percent had fewer than five employees. Wholesale trade had 560 establishments, and 61.2 percent of those were that small (U.S. Census Bureau, County Business Patterns 2023). Separately, 4,885 retail and 1,176 wholesale businesses operated without employees in 2024 (U.S. Census Bureau, Nonemployer Statistics 2024).
For both, the core funding question is paying for goods before they sell, which is what inventory financing is designed for. Shelving, coolers and point-of-sale hardware fall under equipment financing.
Outside these sectors
If your business is not listed, start with the comparison of six structures or call. Local figures for the office area are on our Toms River, NJ page.
By Lynxstead Financial · Updated
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