Canyonwick Finance, a small-business funding broker in New Braunfels, TX, works with Cibolo, TX owners by phone and online. ZIP 78108 had 375 employer establishments in 2023, and 64.5 percent had fewer than five employees. Canyonwick explains the options; lending partners decide and set every rate and term.
| Counties | Bexar County and Guadalupe County, TX |
|---|---|
| Distance | About 11.0 miles SSW of New Braunfels, TX |
| ZIP 78108 employers | 375 in 2023 (Census ZBP) |
| Under five employees | 64.5% of ZIP 78108 employers |
| Self-employed residents | 8.5%, +/- 2.2 (ACS 2020-2024) |
Cibolo, TX across two counties
Cibolo sits in Guadalupe County and Bexar County, and no county figure describes it on its own. The city covers about 62.6 percent of the land in ZIP 78108, so the ZIP counts below are a reasonable, though not exact, picture of its businesses.
ZIP 78108 in 2023
Employer establishments with a ZIP 78108 address numbered 375 in 2023. They reported 3,807 paid employees in the March pay period and about $185.9 million in annual payroll, and 64.5 percent of them had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023).
| Sector | Employer establishments | Under-five-employee share |
|---|---|---|
| Professional, scientific and technical services | 46 | 93.5% |
| Construction | 45 | 66.7% |
| Other services | 45 | 62.2% |
| Accommodation and food services | 41 | 29.3% |
| Retail trade | 34 | 47.1% |
| Health care and social assistance | 31 | 61.3% |
Self-employment in Cibolo, TX
About 8.5 percent of employed Cibolo residents were self-employed, plus or minus 2.2 points (U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates): 3.1 percent in their own incorporated business and 5.4 percent in an unincorporated one. The margins are wide for a city this size, so treat the split as approximate.
Very small firms, very different needs
Almost every professional services firm in the ZIP, 93.5 percent, had fewer than five employees. Consultancies, design and accounting practices rarely need equipment; their funding questions usually concern covering payroll and rent while clients pay invoices.
Construction and other services, such as repair shops and personal services, are close behind. Those firms more often finance tools, vehicles and shop equipment. Food service is the exception to the small-firm pattern: fewer than a third of food businesses were that small, and they tend to ask about kitchen equipment and remodeling.
A short call usually sorts out which pattern a business fits. Working capital covers the invoice gap; equipment financing covers the machines.
Working with Canyonwick Finance from Cibolo, TX
Cibolo, TX owners reach Canyonwick Finance by phone at (830) 219-2123 or through the short online form; New Braunfels, TX, where the 133 W San Antonio St address is, lies about 11 miles away. Owners waiting on client invoices can read about working capital financing. For figures around the office itself, see the local business profile, and other towns are listed under every area served.
Who Canyonwick Finance works with in Cibolo, TX
Canyonwick Finance works with Cibolo, TX businesses in four sectors our partners have confirmed: contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock. Being in one of them does not decide the outcome; the partner does.
What to gather before you call
- Recent business bank statements (partners often ask for three to six months)
- Current financial statements: profit and loss plus a balance sheet
- A driver's license or passport for each owner
- Proof of ownership and business registration
- A simple schedule of current business debt and monthly 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.
What happens after you reach out
- Reach us at (830) 219-2123 or through the contact form. When we call back, the first questions are simple: what the funding is for, how long the business has operated and its rough 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.
- With your permission, we take the request to lending partners that offer that kind of funding. Each partner reviews it and makes its own credit decision.
- 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.
Our address: 133 W San Antonio St, New Braunfels, TX 78130.
By Canyonwick Finance · Updated