Biloxi, Mississippi is a Harrison County city. This page pairs ZIP 39532 Census counts with the license, purchase and lease records a funding partner may ask a Biloxi business to show.
At a glance
- ZIP 39532 employer establishments
ZIP 39532: 485 employer establishments with 5,444 paid employees (ZBP 2023)
- Self-employed residents, Biloxi, MS
Biloxi, MS: 10.9% of employed residents self-employed (ACS 2020-2024)
Biloxi, MS business license: a checklist for auto repair shops
An auto repair shop in Biloxi, MS that applies for lift or parts financing can put its license records together first:
- The current city business license for the shop's address.
- State sales tax registration, since parts are sold to customers.
- Proof of garage liability insurance.
- Any environmental or waste-oil disposal records the shop keeps.
Other services, the NAICS sector that includes automotive repair, had 44 employer establishments in ZIP 39532 in 2023, 63.6% of them with fewer than five employees (ZIP Code Business Patterns).
Biloxi, MS business for sale: records a lender may ask a home builder for
A home builder buying an existing building company in Biloxi, MS, or buying out a partner in one, should expect a partner to ask for the seller's tax returns and job-cost reports, the list of open contracts and their backlog, the equipment list, the contractor license and bonding history, and the purchase agreement. Open warranty obligations on finished homes matter too.
ZIP 39532 counted 65 construction employer establishments in 2023 (ZIP Code Business Patterns, NAICS 23). Across Harrison County, MS, County Business Patterns counted 54 residential building construction establishments with paid employees that year.
Leasing commercial property in Biloxi, MS: a physician office checklist
A physician office leasing space in Biloxi, MS should check zoning for medical use, plumbing in exam rooms, accessibility, parking for patients, the build-out allowance, the lease length and renewal options, and who pays taxes and insurance. A partner reviewing exam-room equipment can ask for the signed lease; fixed build-out work is excluded.
Health care and social assistance establishments in ZIP 39532 numbered 67 in 2023, and 38.8% of them had fewer than five employees (ZIP Code Business Patterns, NAICS 62).
Leasing retail space in Biloxi, MS for physician offices
Retail space appeals to a physician office for visibility and parking, but retail leases are written for shops. The office should confirm that medical use is allowed, that the landlord accepts the plumbing and electrical work exam rooms need, and that neighboring tenants do not have exclusive-use clauses that block a clinic. The office can compare the lease duration with the equipment's useful life rather than assuming fixed build-out work will be financed.
Retail trade accounted for 73 employer establishments in ZIP 39532 in 2023 (ZIP Code Business Patterns, NAICS 44-45).
ZIP 39532 employer establishments by sector, 2023
ZIP 39532 counts are ZIP figures, not Biloxi figures: the city covers 34.6% of the ZIP's land, and about two thirds of Biloxi (66.3% of its land) lies in this ZIP, with most of the rest in ZIPs 39531, 39530 and 39534 and small parts in ZIPs 39503, 39540 and 39507. For that ZIP, 2023 ZBP counts 485 employer establishments and 5,444 paid employees; 45.2% fall below five employees. Among Biloxi, MS residents, 10.9% of the employed were self-employed (American Community Survey 2020-2024).
| Sector | Establishments | Share with fewer than 5 employees |
|---|---|---|
| Retail trade | 73 | 31.5% |
| Health care and social assistance | 67 | 38.8% |
| Construction | 65 | 56.9% |
| Accommodation and food services | 47 | 17.0% |
| Other services | 44 | 63.6% |
| Professional, scientific and technical services | 41 | 53.7% |
| Administrative, support and waste services | 37 | 35.1% |
| Real estate and rental and leasing | 26 | 61.5% |
| Finance and insurance | 25 | 48.0% |
| Wholesale trade | 20 | 45.0% |
| Transportation and warehousing | 15 | 60.0% |
| Manufacturing | 6 | 66.7% |
| Educational services | 6 | 66.7% |
| Arts, entertainment and recreation | 5 | not published |
| Utilities | 3 | not published |
Two cells read not published: ZIP Code Business Patterns withholds size classes with very few establishments, so the arts and utilities shares are not available for this ZIP.
Harrison County communities lists Long Beach and other nearby places, and Gulfport, MS business data has the county-wide figures.
Work Types a Partner Can Review Close to Biloxi, MS
A funding request can come from a Biloxi, MS business of almost any kind, with medical practices, law firms, construction contractors and auto repair shops among them. The partner that picks up the request looks at the full picture before deciding anything.
Bank and Tax Papers to Prepare for a Biloxi, MS Business
- Bank statements for every business account, complete and unedited
- An up-to-date income statement plus the latest balance sheet figures
- Valid photo identification for all owners listed
- Your state business registration and the EIN letter issued by the IRS
- A list of the loans and leases already in place plus each lender and payment amount
- The equipment invoice or purchase order that states the model and price
Partners differ in the papers they want; the list above is the common core.
What to Expect Next for a Business in Biloxi, MS
- Contact the office at (228) 261-9974 or send the short form; the purpose comes up when a partner reviews the request.
- From there the details reach partners for independent review.
- A partner reads through the request and decides on its own criteria.
- If a partner sends an offer, review the full cost, payments and terms, then decide for yourself.
Owners of Biloxi, MS businesses can work by phone or online from start to finish.
By Rowancroft Lending ยท Updated
