Quarrypeak Credit helps small businesses in Morristown, TN and Hamblen County, TN request working capital, term loans, lines of credit, inventory and equipment financing, and merchant cash advances. This page sets out the Census picture: 1,339 employer establishments in the county in 2023, retail as the largest sector by count, manufacturing as the largest payroll, and the ZIP 37814 figures.
| Payroll establishments in Hamblen County, TN | 1,339 (CBP 2023) |
|---|---|
| Share below five on payroll | 43.8% (CBP 2023) |
| Businesses without paid employees (NES 2024) | 4,519 in the 2024 Nonemployer Statistics count |
| Employer establishments in ZIP 37814 | 751 (ZBP 2023) |
Morristown, TN and Hamblen County, TN in the Census counts
County Business Patterns counted 1,339 employer establishments in Hamblen County, TN in 2023, with about 30,300 employees and annual payroll of $1,367,454,000. Small employers make up the bulk: 587 establishments had fewer than five employees, 284 had five to nine and 210 had ten to nineteen. At the other end, 9 had 500 to 999 employees; the count of the very largest is withheld.
Another 4,519 Hamblen County, TN businesses ran with no paid staff in 2024, per Nonemployer Statistics. That is a different program and year from the employer count, so the two are not added; they are read side by side, never added or compared.
The American Community Survey (2020-2024) estimates that 9.2% of employed Hamblen County, TN residents are self-employed, with a margin of error of 1.6 points; the Tennessee figure is 9.8% (plus or minus 0.2), and the ranges overlap. For Morristown, TN itself the estimate is 8.0%, plus or minus 2.4 points.
Which sectors hold Hamblen County, TN's employers
| Sector | Establishments | Employees (approx.) | Annual payroll |
|---|---|---|---|
| Retail trade | 256 | 4,329 | $138.6 million |
| Health care and social assistance | 180 | 3,848 | $190.9 million |
| Other services | 157 | 865 | $24.7 million |
| Accommodation and food services | 136 | 3,011 | $58.6 million |
| Finance and insurance | 95 | 481 | $35.0 million |
| Construction | 92 | 1,020 | $66.6 million |
| Manufacturing | 84 | 10,343 | $550.0 million |
| Professional, scientific and technical services | 71 | 346 | $19.7 million |
Figures: US Census Bureau, County Business Patterns 2023. Employee counts are published with noise added for confidentiality. Industry notes for the larger groups are on the industries page, including restaurants, medical practices and gas stations.
Why a ZIP 37814 address is not the same as Morristown, TN city limits
ZIP Code Business Patterns counted 751 employer establishments in ZIP 37814 in 2023, with about 16,800 employees and annual payroll of $757,158,000; 46.1% had fewer than five employees. But a ZIP is a postal area, not a city. Census relationship files show Morristown, TN covers only 30.8% of ZIP 37814's land, and only 48.9% of the city's own land is inside that ZIP; another 47.5% falls in ZIP 37813.
The city also crosses a county line: Morristown, TN lies mostly in Hamblen County, TN, with part in Jefferson County, TN. So county figures on this page describe the county, not the city, and a Morristown mailing address does not by itself tell you which city or county rules apply to a business. The business license checklist explains why that matters for licenses.
Sectors in ZIP 37814, by employer count
| Sector | Establishments | Share below five on payroll |
|---|---|---|
| Retail trade | 136 | 39.7% |
| Health care and social assistance | 115 | 32.2% |
| Other services | 85 | 63.5% |
| Accommodation and food services | 82 | 23.2% |
| Finance and insurance | 67 | 59.7% |
| Construction | 57 | 59.6% |
| Professional, scientific and technical services | 50 | 72.0% |
| Manufacturing | 39 | 17.9% |
Figures: US Census Bureau, ZIP Code Business Patterns 2023, ZIP 37814.
Manufacturing payroll and the businesses around it
Manufacturing had the county's largest payroll in 2023: $550.0 million across 84 employer establishments with about 10,343 employees. Only 16.7% of those manufacturers had fewer than five employees, so 83.3% had five or more employees (our arithmetic). Around them sit machine shops, repair firms, staffing agencies and suppliers that sell on payment terms. The manufacturing cash flow article covers the funding side.
New housing permits in Hamblen County, TN
The Building Permits Survey counted 258 new privately owned housing units authorized in the county in 2025, in 229 buildings, 216 of them single-family. The count was 289 in 2023 and 298 in 2024. These figures cover new homes only, not remodels or commercial building, but they are a useful signal for residential builders and the trades that follow them.
Morristown, TN chamber of commerce, economic development and advising
Some owners preparing a funding request look to local organizations for advice, introductions and events. These groups operate with no link to Quarrypeak.
Verified public resources: the Tennessee Small Business Development Center locator for one-on-one advising (ask the center about any fees), the Tennessee Secretary of State business services for entity filings, the SBA Tennessee District Office, and the Hamblen County government website. The City of Morristown's own site could not be checked automatically when this page was written.
Commercial property for lease and small businesses for sale in Morristown, TN
Before signing a lease, confirm that the property's zoning allows your use and what permits a build-out will need; the zoning and building permit timeline sets out the order of steps. A build-out on leased space is usually a term loan request, and the partner will want the signed lease and the contractor's bid.
Quarrypeak Credit's Morristown, TN contact points
Quarrypeak Credit's address is 121 W 1st N St, Morristown, TN 37814, and the phone is (423) 407-5257. Requests are handled by phone and online, so there is no need to travel; compare the six funding shapes first if you like.
Owners in Jefferson City, Dandridge, Newport, Rogersville and Tazewell have their own pages under areas served.
Morristown, TN businesses we help
Funding partners consider businesses across most industries in Morristown, TN, from contractors and construction trades and restaurants and food service to medical and dental practices and retailers and wholesalers that carry stock. Each partner still decides case by case.
Paperwork partners commonly ask for
- 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
- Government-issued ID for each owner
- Details of any loans, leases or advances the business already carries
- 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.
From first call to a partner's decision
- You call (423) 407-5257 or send the short request form. When we speak, we go over what the money is for, how long you have been in business and roughly what the business brings in.
- We explain which funding types fit that use and what partners usually need to see. Nothing is submitted without your go-ahead.
- 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.
Everything can be handled by phone or online from Morristown, TN.
By Quarrypeak Credit · Updated
