Goldglen Finance helps Bozeman, MT and Gallatin County, MT retailers compare inventory financing, lines of credit, equipment financing and merchant cash advances for stock, fixtures and space. Retail counted 622 employer establishments in Gallatin County, MT in 2023 (CBP). Funding partners review and decide on every request.
At a glance
- Storefronts paying wages, Gallatin County, MT
622 establishments (CBP 2023)
- Retail employees
9,691 (CBP 2023)
- Owner-only stores, no wages paid
945 owner-only retailers (Nonemployer Statistics 2024)
- Gasoline station employers
36 establishments (CBP 2023)
Gallatin County, MT Stores Sorted by What They Sell
| Store type (NAICS) | Employers, 2023 | Employees |
|---|---|---|
| Lumber, hardware and garden supply dealers (444) | 59 | 1,347 |
| Clothing and accessories shops (448) | 67 | 554 |
| Furniture and home furnishing stores (442) | 38 | 397 |
| Gasoline stations | 36 | 524 |
| Grocery stores (4451) | 33 | 1,650 |
Retail trade as a whole counted 622 employer establishments and 9,691 employees in Gallatin County, MT (CBP 2023). A separate program, Nonemployer Statistics, put Gallatin County, MT's owner-only retailers at 945 in 2024.
Liquor store business loan requirements in Bozeman, MT
A liquor store's request is read like other retail requests, with one extra asset in the picture: the license. Partners ask about the store's sales history, inventory levels and turnover, the lease, and the license status. A buyer purchasing an existing store adds the seller's tax returns, the purchase agreement and the terms of the license transfer.
Inventory is a large share of a liquor store's assets, which makes inventory financing a funding type to compare for restocking and expansion.
Gas station working capital requirements for Gallatin County, MT businesses
Gasoline stations counted 36 employer establishments with 524 employees in Gallatin County, MT in 2023 (CBP). A station's working capital requirement comes from fuel: each delivery is paid for on the supplier's terms, sometimes before most of the fuel is sold, while card processors settle sales a day or more later.
Partners reading a gas station's working capital request look at fuel invoices and supplier terms, card settlement timing, inside-store sales, bank statements and any existing equipment or tank financing. The store's inside sales and the fuel business can be read separately.
How much is it to lease a retail space in Bozeman, MT?
The cost of leasing a retail space depends on base rent, how much of the building's operating costs pass through to the tenant, and the size of the space. Goldglen does not track local rents; listings and a commercial real estate agent are the sources for current figures. What matters for funding is turning a lease into a monthly occupancy cost that the sales can carry.
Illustration only, invented figures: a 2,400 square foot shop at $28 per square foot a year in base rent pays $67,200; with $9 per square foot in pass-through costs (taxes, insurance, common areas) the total is $88,800 a year, or $7,400.00 a month, by our arithmetic. Add the build-out, which may be funded with a term loan, and opening stock, which inventory financing can cover.
Gas station working capital calculation around Bozeman, MT
A simple working capital calculation is current assets minus current liabilities. For a station, current assets include cash, fuel and store inventory, and card receivables; current liabilities include fuel supplier invoices, accrued payroll and short-term debt. A positive figure means the business can cover near-term bills from near-term assets.
Illustration only, invented figures: a station holds $26,000 in cash, $58,000 in fuel and store inventory and $9,000 in card receivables, $93,000 in total; it owes $61,000 to the fuel supplier and $14,000 in payroll and other short-term bills, $75,000 in total. Working capital is $18,000, by our arithmetic. A partner compares that with the size of the next fuel delivery.
Convenience store financing in Bozeman, MT
County Business Patterns counted 3 convenience store employer establishments in Gallatin County, MT in 2023, separate from the gasoline stations above, many of which also sell convenience goods. Coolers, shelving, a point-of-sale system and opening stock are the costs a convenience store funds.
Equipment financing fits the coolers and fixtures, and inventory financing or a line of credit fits the stock. A merchant cash advance , which is not a loan, is sometimes offered to card-heavy stores; total its cost before comparing.
What a retail financing specialist reviews for Gallatin County, MT businesses
A partner that focuses on retail funding reads a store's file for three things: inventory turnover, gross margin by category and the pattern of card and cash deposits. A store that can show how many days stock sits, which categories earn the most, and how sales move month to month gives that partner what it needs.
- Point-of-sale sales reports by month and category.
- An inventory listing with cost and age.
- Supplier terms and recent invoices.
- Business bank statements and merchant processing statements.
- The lease and any equipment already financed.
Neighboring Goldglen trade pages: restaurants and auto repair . County figures are on the Bozeman, MT page , and all trades are on the industry pages .
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