Marblemont Lenders, a small-business funding service in Sherman, Texas, publishes this page of Grayson County business data: employer and nonemployer counts, size classes, leading sectors and downtown ZIP figures from the Census Bureau, plus notes on Sherman building permits, zoning and commercial property for owners planning a build-out or purchase.
At a glance
- Employer establishments, Grayson County, TX
2,899 (CBP 2023)
- Businesses without paid employees, Grayson County, TX
13,749 (Nonemployer Statistics 2024)
- Self-employed share of employed residents
Grayson County, TX 10.6% (+/- 1.3); Sherman, TX 8.7% (+/- 1.9) (ACS 2020-2024)
Grayson County, TX establishments by size, 2023
County Business Patterns counted 2,899 employer establishments in Grayson County in 2023, with 42,994 paid employees in the March pay period and $2.15 billion in annual payroll. By our arithmetic that is about $49,910 of payroll per employee. Small firms are the majority: 1,490 establishments, or 51.4%, had fewer than five employees.
| Employees | Establishments |
|---|---|
| Fewer than 5 | 1,490 |
| 5 to 9 | 586 |
| 10 to 19 | 411 |
| 20 to 49 | 270 |
| 50 to 99 | 82 |
| 100 to 249 | 44 |
| 250 to 499 | 10 |
| 500 to 999 | 3 |
| 1,000 or more | 3 |
Nonemployer Statistics, a separate Census program with its own year and rules, counted 13,749 Grayson County businesses with receipts but no paid employees in 2024. The two counts are shown apart, not added.
Leading Grayson County, TX sectors and their pages
| Sector | Establishments | Employees | Annual payroll |
|---|---|---|---|
| Retail trade | 456 | 6,857 | $258.1 million |
| Health care and social assistance | 406 | 8,742 | $519.0 million |
| Construction | 287 | 2,604 | $175.1 million |
| Other services | 283 | 1,743 | $55.2 million |
| Professional, scientific and technical services | 262 | 1,278 | $74.1 million |
| Accommodation and food services | 257 | 4,779 | $107.9 million |
| Manufacturing | 120 | 8,320 | $487.0 million |
Health care carried the largest payroll of any sector, $519.0 million. Restaurants and other eating places (NAICS 7225) had 212 employer establishments, more than any other four-digit industry in the county. Funding notes for three of those groups are on the restaurant page, the medical practice page and the fuel station and convenience store page; the full list is under industries.
Sherman, TX and ZIP 75090 in ZIP Code Business Patterns
ZIP 75090, which includes downtown Sherman, had 864 employer establishments in 2023, 16,679 paid employees and $808.1 million in payroll; 44.2% of those establishments had fewer than five employees. Our arithmetic gives about 19.3 employees per establishment in the ZIP. Retail (169), health care (131) and professional services (95) led the count.
A ZIP is a mail route, not a city line. The City of Sherman covers 20.6% of ZIP 75090's land, and 62.3% of the city's land sits in ZIP 75092, so these figures describe the ZIP, not the city limits. The American Community Survey (2020-2024) puts the self-employed share of Sherman's employed residents at 8.7% (+/- 1.9), against 10.6% (+/- 1.3) for Grayson County and 10.5% (+/- 0.1) for Texas; the margins overlap, so no ranking is drawn.
Sherman, TX Building Permits for Business Owners
A remodel, a change of use or a new sign can need a city permit before the work starts, and a funding partner reviewing a build-out may ask whether permits are in hand. The City of Sherman's official website is ci.sherman.tx.us; the certificate of occupancy and permits guide lists what to ask the city before signing a lease or a contractor's quote.
Sherman, TX Building Department: Owner Notes
Before calling the city's building staff, have the property address, a description of the work, the contractor's name and any drawings to hand. Ask which reviews the project needs (building, fire, health for food service) and whether an inspection is required before the space opens. Those answers belong in the budget a funding request names.
Sherman, TX Building Code: Owner Notes
Building codes set how work must be done, and the city decides which editions apply. This page does not state code requirements. A contractor quoting a build-out should price the work to the code the city enforces, and a quote that says so gives a partner more confidence in the budget.
Checking Sherman, TX Zoning Ordinance
Zoning sets the uses a property is allowed. Before leasing a storefront for a clinic, a restaurant or a shop, ask the city whether the intended use is allowed at that address and whether a change of use triggers new requirements. A lease signed for a use the zoning does not permit can leave a business paying rent on space it cannot open.
Sherman, TX Zoning Code
The zoning code is the written ordinance behind the zoning map. Read the district your property sits in, the uses allowed there, parking and signage rules, then confirm with the city's planning staff. Keep the answer in writing with the lease file.
Commercial Property for Sale in Sherman, TX: What Owners Should Know
A building purchase calls for a commercial real estate loan, and Marblemont does not arrange those. What Marblemont can help with is the business side of the move: equipment for the new space through equipment financing, the build-out or relocation through a business loan, and the weeks of payroll during a move through working capital.
Sherman, TX Commercial Real Estate: Where to Look
Listings, county appraisal records and the city's zoning map answer different questions: what is available, what it is assessed at and what it may be used for. Grayson County's official website is co.grayson.tx.us. Retailers moving into a new space also need the Texas resale certificate in order for supplier accounts; see the resale certificate guide.
Notes on Commercial Property Sherman, TX
Leasing rather than buying keeps cash in the business for equipment and stock. Read the lease for who pays for improvements, how long the build-out period runs before rent starts, and whether the landlord allows the use you plan. Those terms change how much funding the move needs.
Marblemont's listed Sherman, TX address
Marblemont Lenders lists 205 N Travis St, Sherman, TX 75090 as its address. Requests can be sent by phone at (430) 206-3235 or through the online form. More on the service is on the about page and the contact page; nearby towns are on the areas served page.
Employers served around Sherman, TX
Partners take requests from Sherman, TX shops, practices and contractors alike: think of contractors and construction trades, restaurants and food service, medical and dental practices or retailers and wholesalers that carry stock. The partner that reviews a request weighs the details and makes its own call.
Supporting documents to assemble in Sherman, TX
- A copy of the newest business return (some partners also ask for personal returns)
- A recent profit and loss report, alongside a balance sheet
- Official photo ID for all owners named in the paperwork
- Proof of registration with the state together with the EIN assignment letter
- An overview of outstanding obligations including payment amounts and due dates
- A quote from the equipment vendor that names the equipment and its price
What a partner requests depends on the partner, and this list covers the common ground.
The follow-up after an inquiry from Sherman, TX
- Reach the office at (430) 206-3235 or complete the short form with the amount and purpose.
- From there the request goes to partners that handle requests of this type.
- A lending partner studies the file and decides whether to make an offer.
- Look at the total cost, the schedule and the conditions of any offer; saying no is always an option.
Business owners in Sherman, TX never need an office visit; phone and online work fine.
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