Mesashore Finance, based in Texarkana, Arkansas, takes funding requests from Texarkana, TX businesses too. This page uses Texas figures only: ZIP 75503 employer counts and American Community Survey figures for Texarkana, TX, plus city permit and property questions.
At a glance
- Employer establishments with a ZIP 75503 address
1,026 (ZBP 2023)
- Health care and social assistance employers, ZIP 75503
207 (ZBP 2023)
- Self-employed share of employed Texarkana, TX residents
6.4%, margin of error 1.5 points (ACS 2020-2024)
ZIP 75503 Employer Counts and the Texarkana, TX Business Mix
ZIP 75503 covers part of Texarkana, TX and land beyond it: the city covers 22.4% of the ZIP's land, and 56.1% of the city's land lies in this ZIP, with most of the rest in ZIP 75501 (Census ZIP-place relationship file). The counts below are ZIP counts.
| Sector | Establishments | Share with fewer than 5 employees |
|---|---|---|
| Health care and social assistance | 207 | 40.6% |
| Retail trade | 163 | 30.1% |
| Accommodation and food services | 117 | 20.5% |
| Finance and insurance | 106 | 58.5% |
| Professional, scientific and technical services | 90 | 75.6% |
| Other services | 85 | 56.5% |
In all, ZIP 75503 had 1,026 employer establishments, 16,667 paid employees and $726.2 million in annual payroll in 2023, and 477 of the establishments (46.5%) had fewer than five employees. The American Community Survey (2020-2024) puts the self-employed share of employed Texarkana, TX residents at 6.4%, margin of error 1.5 points.
Texarkana, TX Restaurants: What the ZIP 75503 Food Service Count Covers
Accommodation and food services, the sector that includes restaurants, held 117 employer establishments in ZIP 75503 in 2023, about one in five of them with fewer than five employees (20.5%). The ZIP count covers ZIP 75503 only, including land outside the city; downtown Texarkana, TX and the rest of the city in ZIP 75501 are not in it.
A restaurant on the Texas side faces the same funding questions as one in Arkansas: equipment, food and payroll timing, build-outs and purchases. Restaurant loans covers them; its county counts are for Miller County, AR and do not describe Texas restaurants.
Texarkana, TX Zoning Map: Confirming a Site's District Before a Build-Out
Before a build-out, confirm the property's zoning district allows the use. The City of Texarkana, TX Planning and Community Development page lists zoning administration and comprehensive planning among its duties, along with downtown grant and loan programs; ask the department about any program's eligibility.
A lease signed before zoning is confirmed can leave a business paying rent on space it cannot use for its purpose, and a funding partner may ask whether the use has been confirmed.
City of Texarkana, TX Zoning Map Versus the Arkansas Side's Rules
The two cities keep separate codes and departments. On the Texas side, the city's Inspections and Code Enforcement page describes plan review for new and remodeled residential and commercial buildings, and permits for building, electrical, plumbing, mechanical and signage work, applied for through the city's MyGOV TXK portal. Contractors register with the city before applying for permits.
On the Arkansas side, the City of Texarkana, AR runs its own Planning and Zoning Division. The Texarkana, AR zoning guide covers that side. A business choosing between sites on either side should check both sets of rules.
Texarkana, TX Commercial Real Estate: Rent, Buy or Build to Suit
Buying a building on the Texas side means checking its appraised value with the Bowie Central Appraisal District, listed in the Texas Comptroller's Bowie County directory, and arranging an appraisal for the lender. Leasing keeps cash on hand for equipment and staff; buying replaces rent with a mortgage payment, property taxes and upkeep.
A term loan or commercial mortgage covers a purchase; a build-out in leased space can be financed separately.
Business for Sale in Texarkana, TX: Records a Buyer Requests From the Seller
Buying an existing business in Texarkana, TX, whether a restaurant, a clinic or a shop, starts with the seller's records. Partners reading the request will want them along with the buyer's own finances.
- Recent tax returns and profit-and-loss statements.
- Monthly sales, or for a practice, monthly collections by payer.
- The current lease, and whether the landlord allows it to pass to a buyer.
- An equipment list with ages and values, and any liens on it.
The steps in order show how a purchase request moves.
Further on this site: areas served and ZIP 71854 figures.
Trades That Can Ask About Funding in Greater Texarkana, TX
Owners from Texarkana, TX can ask about funding in most lines of business; contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock all fit. Every partner that sees the request rules on each request by its own guidelines.
Records to Have on Hand for Texarkana, TX Owners
- Recent statements for the main business account as full statements, not summaries
- A copy of the company's federal return (personal returns are sometimes requested too)
- A current-year income statement plus a current balance sheet
- Articles filed with the state, along with your EIN notice
- A list of outstanding loans, leases and advances, listing every monthly payment
- The vendor's quote for any equipment, listing the item and its cost
Partners ask for different files, so start with these items.
Steps After a Request for Texarkana, TX Business Owners
- Make a call to (870) 231-0464 or fill out the form with what the funds will cover.
- From there the details reach partners that provide that kind of financing.
- The partner reviews the file and reaches its own credit decision.
- Review the total cost, payment plan and terms of any offer; you are free to say no.
Companies based in Texarkana, TX can finish the process by phone or online.
By Mesashore Finance ยท Updated
