Canyonwick Finance, a small-business funding broker in New Braunfels, TX, works with Universal City, TX owners by phone and online. ZIP 78148 had 391 employer establishments in 2023, led by other services, food service and retail. Canyonwick explains the options; lending partners decide and set every rate and term.
| County | Bexar County, TX |
|---|---|
| Distance | About 15.1 miles SW of New Braunfels, TX |
| ZIP 78148 employers | 391 in 2023 (Census ZBP) |
| Largest sector | Other services, 68 employer establishments |
| Self-employed residents | 7.9%, +/- 2.9 (ACS 2020-2024) |
Universal City, TX and ZIP 78148
Universal City is in Bexar County, so Comal County figures do not describe it. The city covers about 56.2 percent of the land in ZIP 78148, which means the ZIP counts include some businesses outside the city.
ZIP 78148 in 2023
Employer establishments with a ZIP 78148 address numbered 391 in 2023. They reported 5,565 paid employees in the March pay period and about $217.5 million in annual payroll, and 46.8 percent of them had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023).
| Sector | Employer establishments | Under-five-employee share |
|---|---|---|
| Other services | 68 | 50.0% |
| Accommodation and food services | 57 | 17.5% |
| Retail trade | 51 | 35.3% |
| Health care and social assistance | 40 | 45.0% |
| Professional, scientific and technical services | 36 | 63.9% |
| Construction | 33 | 54.5% |
Self-employment in Universal City, TX
About 7.9 percent of employed Universal City residents were self-employed, plus or minus 2.9 points (U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates): 2.6 percent in their own incorporated business and 5.4 percent in an unincorporated one. The share is below the Texas figure of 10.5 percent.
A service-led business base
Other services lead ZIP 78148. That Census group covers repair and maintenance shops, personal care, laundries and similar businesses, which often finance shop equipment and fit-outs rather than inventory.
Food service is the second-largest group, and only 17.5 percent of those businesses had fewer than five employees, so many carry sizable crews and daily card volume. Restaurants often weigh equipment financing, remodel loans and, sometimes, advances; an advance is not a loan and should be compared on total cost.
Retail and health care round out the top four, each with its own pattern: stock ahead of sales for shops, insurer payment gaps for practices.
Working with Canyonwick Finance from Universal City, TX
Universal City, 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 15 miles away. Restaurant owners can read about restaurant financing. For figures around the office itself, see the local business profile, and other towns are listed under every area served.
Universal City, TX businesses we help
Our partners have confirmed appetite for four kinds of business: contractors and construction trades, restaurants and food service, medical and dental practices, and retailers and wholesalers that carry stock. If your Universal City, TX business is something else, call and ask before you spend time on paperwork.
What to gather before you call
- Recent business bank statements (partners often ask for three to six months)
- Last year's filed tax return for the business
- Current financial statements: profit and loss plus a balance sheet
- Government-issued ID for each owner
- Proof of ownership and business registration
- Details of any loans, leases or advances the business already carries
No two partners ask for exactly the same file, so use this as a checklist rather than a rule.
How a request moves forward
- You call (830) 219-2123 or send the short form (name, contact details and business name). When we speak, we ask what the money is for, how long you have been in business and roughly what the business brings in.
- You hear which options match the need and what a partner will likely want to review. We submit nothing without your approval.
- Once you agree, the request goes to partners that provide that type of funding. The credit decision belongs to each partner.
- When an offer arrives, weigh its full cost, how payments are scheduled and the conditions. Accepting is entirely your choice.
Our address: 133 W San Antonio St, New Braunfels, TX 78130.
By Canyonwick Finance · Updated