Rowanwood Lenders, a small-business funding broker in Santa Fe, New Mexico, arranges funding for four sectors lending partners have confirmed: construction, restaurants, medical and dental practices, and retail. Each sector page uses Santa Fe County Census counts and explains which options suit its spending. Each lending partner reaches its own credit decision and fixes any rate and terms.
The four confirmed sectors in Santa Fe County, NM
| Sector (NAICS) | Employer establishments | Fewer than 5 employees |
|---|---|---|
| Retail trade (44-45) | 793 | 48.0% |
| Construction (23) | 547 | 62.9% |
| Ambulatory health care (621) | 446 | 57.8% |
| Restaurants, bars and other food service (722) | 400 | 26.5% |
Source: U.S. Census Bureau, County Business Patterns 2023.
Builders and specialty trades
Santa Fe County had 547 construction employers in 2023, more concentrated than the national pattern, plus 1,198 construction businesses without employees in 2024. Contractor and construction financing covers equipment, payroll between progress payments and materials.
Restaurants and food service
Food services and drinking places numbered 400 employer establishments in 2023, and they run larger crews than most local businesses: only 26.5% had fewer than five employees. Restaurant financing covers kitchen equipment, remodels and payroll.
Medical and dental practices
Ambulatory health care, which includes physicians' and dentists' offices, counted 446 employer establishments in 2023. Medical and dental practice financing covers chairs, imaging and the gap while reimbursements arrive.
Retail and wholesale stock
Retail is the county's largest employer sector by establishments, 793 in 2023, and the most concentrated of the four. Retail store financing covers fit-outs, point-of-sale systems and card-heavy cash flow, while inventory financing handles the merchandise itself.
Sectors partners do not fund
Partners have not confirmed agriculture or trucking, so we do not arrange funding for them. Other sectors may be possible case by case; ask on the phone. County-wide figures for every sector are on the Santa Fe, NM facts page.
By Rowanwood Lenders · Updated