Canyonwick Finance, a small-business funding broker in New Braunfels, TX, works with Schertz, TX owners by phone and online. ZIP 78154 had 1,056 employer establishments with 23,361 paid employees in 2023, led by retail, food service and health care. Lending partners decide every request and set all terms.
| Counties | Bexar County, Comal County and Guadalupe County, TX |
|---|---|
| Distance | About 12.2 miles SW of New Braunfels, TX |
| ZIP 78154 employers | 1,056 in 2023 (Census ZBP) |
| Paid employees | 23,361 in ZIP 78154 (2023) |
| Under five employees | 40.4% of ZIP 78154 employers |
Schertz, TX in three counties
Schertz spans Guadalupe County, Bexar County and Comal County, so no single county total describes it. The city covers about 69.6 percent of the land in ZIP 78154, making the ZIP a fair stand-in for its business base, with the caveat that the boundaries do not match exactly.
ZIP 78154 in 2023
Employer establishments with a ZIP 78154 address numbered 1,056 in 2023. They reported 23,361 paid employees in the March pay period and about $1.15 billion in annual payroll, and 40.4 percent of them had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023).
| Sector | Employer establishments | Under-five-employee share |
|---|---|---|
| Retail trade | 140 | 32.1% |
| Accommodation and food services | 119 | 10.1% |
| Health care and social assistance | 117 | 36.8% |
| Construction | 112 | 37.5% |
| Other services | 92 | 53.3% |
| Wholesale trade | 75 | 21.3% |
Self-employment in Schertz, TX
About 9.8 percent of employed Schertz residents were self-employed, plus or minus 2.3 points (U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates). Of all employed residents, 2.8 percent worked in their own incorporated business and 6.9 percent in an unincorporated one.
Larger employers than the rest of the area
Schertz stands out among nearby towns for the size of its employers. Only 40.4 percent of ZIP 78154 employers had fewer than five employees, and the ZIP averaged roughly 22 paid employees per establishment (23,361 divided by 1,056). Just 10.1 percent of food businesses and 21.3 percent of wholesalers were in the smallest size class.
Bigger payrolls change the funding conversation. Partners look closely at payroll coverage, existing debt and whether a new obligation fits alongside the wage bill. Wholesalers and retailers often ask about stock purchases, where inventory financing ties the funding to the goods.
Construction firms here are also larger than the area norm, with 37.5 percent under five employees, which tends to mean bigger equipment and longer builder payment cycles.
Working with Canyonwick Finance from Schertz, TX
Schertz, 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 12 miles away. Retailers and wholesalers can read how inventory financing works. For figures around the office itself, see the local business profile, and other towns are listed under every area served.
Schertz, TX businesses we help
For Schertz, TX owners, Canyonwick Finance focuses on the sectors our lending partners have confirmed they fund: contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock. Approval is never automatic for any sector.
Documents to have ready
- The last three to six months of business bank statements
- Business and personal tax returns for the latest year
- A year-to-date profit and loss statement and balance sheet
- Photo ID for every owner of the business
- Formation documents and your EIN
- A list of existing business debts and payments
Partners differ in what they request; this list covers the usual ground.
The steps after your first call
- It starts with a call to (830) 219-2123 or the short contact form. On the phone we cover the purpose of the funds, time in business and approximate monthly revenue.
- You hear which options match the need and what a partner will likely want to review. We submit nothing without your approval.
- 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.
- If a partner makes an offer, you compare the total cost, payment schedule and terms. You are never obligated to accept.
Our address: 133 W San Antonio St, New Braunfels, TX 78130.
By Canyonwick Finance · Updated