Washington County, UT employer counts, ZIP 84770 sector counts and the lender types available are set out below.
Census business counts for St. George, Utah, ZIP 84770 and Washington County, read alongside the funding questions local contractors, retailers and machine shops bring, with lender types and what Tealwood Funding Group can and cannot fund.
At a glance
- ZIP 84770 employer establishments
2,202 with a ZIP 84770 address (ZIP Code Business Patterns 2023)
- Washington County, UT employer establishments
7,191 (CBP 2023)
- Self-employed residents, St. George, UT
14.1% of employed residents 16+ (ACS 2020-2024)
Banks, Credit Unions and Online Lenders Serving St. George, UT Store Owners
St. George, UT store owners can borrow from national and regional banks, Utah-chartered banks, credit unions, Utah industrial banks, online lenders, equipment finance companies and merchant cash advance providers. Each reads a request differently: banks commonly lean on collateral and history, equipment finance companies on the machine, online lenders on recent deposits.
Tealwood Funding Group pairs each request with a funding partner, and the partner reviews it and decides on its own terms. The Utah lender-types guide compares the partner types in detail, using Utah Department of Financial Institutions counts.
Downtown St. George, UT Shops and the Contractors Who Build Them Out
Downtown St. George, UT storefronts change hands and get remodeled, and the contractors who do the work carry the cost of the build-out until the owner pays. A general contractor fitting out a downtown shop needs materials and labor up front, which is a working capital or credit line question.
For the shop owner, fixtures and equipment fit equipment financing; the remodel itself fits a term loan. Before any remodel, the St. George zoning and permits guide covers what to check.
Small Businesses in St. George, Utah: ZIP 84770 Counts by Sector
ZIP Code Business Patterns counts establishments by the ZIP code of their physical location, not by city limits. ZIP 84770 had 2,202 employer establishments with 20,111 paid employees and an annual payroll of $922.1 million in 2023. St. George covers 41.0% of the ZIP's land, and only about 38% of the city's land lies in ZIP 84770 (most of the rest is in ZIP 84790), so these counts mix city and non-city addresses and leave out much of the city.
| Sector | Establishments | Share with fewer than 5 employees |
|---|---|---|
| Construction | 319 | 60.2% |
| Professional, scientific and technical services | 299 | 74.9% |
| Health care and social assistance | 266 | 49.2% |
| Retail trade | 260 | 47.7% |
| Accommodation and food services | 189 | 22.2% |
| Other services (except public administration) | 152 | 62.5% |
| Finance and insurance | 151 | 62.9% |
| Administrative, support and waste management services | 151 | 69.5% |
Construction had the most establishments in the ZIP (319), followed by professional services (299). In St. George, 14.1% of employed residents 16 and older were self-employed (margin of error 1.7 points), compared with 9.4% for Utah (ACS 2020-2024).
Small Business for Sale in St. George, Utah: Leasing Versus Buying for a Machine Shop
Buying a running machine shop means pricing the equipment, the customer list and the work in progress. A buyer can lease the building from the seller and finance only the business, or buy both. Tealwood covers the business side; real estate goes to a mortgage lender.
Illustration only, invented figures: a $260,000 machine shop purchase financed over 84 months at an annual rate of 10.25% would cost about $4,350 a month, $105,397 in interest over the term (our arithmetic). See the machine shop page for equipment cases.
St. George, Utah Commercial Real Estate for Sale: What Tealwood Funds Around the Deal
Commercial real estate purchases are outside what Tealwood Funding Group arranges; those go to commercial mortgage lenders. What can be funded around a property deal is the business inside it: equipment, fixtures, a business purchase, opening stock and working capital.
If a buyer is purchasing both a building and the business operating in it, the two are usually financed separately, and the mortgage lender may want to see the business financing plan.
Commercial Property for Lease in St. George, Utah: Funding the Build-Out, Not the Building
A tenant leasing commercial space in St. George, UT pays for the build-out: walls, plumbing, electrical, finishes. A landlord may contribute a tenant improvement allowance; the rest is the tenant's cost and can be funded with a term loan.
Before signing the lease, confirm the zoning allows the use and ask the building department what permits the build-out needs. The business license guide covers city licensing.
Calling or Visiting Tealwood at Its St. George, UT Office
Tealwood Funding Group is at 14 W Tabernacle St, St. George, UT 84770. Call (435) 269-1699 to talk through a request, or use the request form; the contact page repeats both, and no email address is published.
Owners elsewhere in Washington County, UT can call the same number; the areas page lists nearby towns. Industry pages are on the industries list, and the six funding types are on the comparison page.
Contractors waiting on draws can read an article on how builders carry payroll through draw delays with a checklist at the end.
Hotel and motel owners facing a brand deadline can read an article on how hotels fund franchise-required upgrades with a checklist at the end.
Practices pricing imaging can read an article on whether to finance or lease a dental scanner for a worked example.
Studio owners planning a remodel can read an article on how a gym funds equipment and a renovation together.
Shops adding chairs can read an article on which financing fits a barbershop adding chairs alongside this page.
Crews comparing machine quotes can read an article on whether a lawn crew should lease or buy mowers alongside this page.
Business Types Open to Funding Requests in St. George, UT and Nearby
A St. George, UT firm in almost any trade can put a request forward, with contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock included. The partner working on a request reaches a decision by its own standards.
Records to Gather for St. George, UT Firms
- Bank statements in the business's name, including the most recent one
- A copy of the last business return on file, and personal returns if a partner requests them
- A year-to-date profit and loss summary, with a recent balance sheet
- The company's registration with the state along with the EIN letter from the IRS
- A short schedule of current debts, noting each lender and payment
- When the money buys a machine, its quote that lists the model, seller and price
Each partner names the files it wants; most requests start with these items.
The Next Steps of a Request for St. George, UT Shops
- Give (435) 269-1699 a call or send the online form with the amount and its purpose.
- The request moves on to partners whose funding fits the need you described.
- Each partner looks through the details; the call on the request belongs to the partner.
- Should an offer come, compare its total cost and conditions, and accept only when it suits you.
St. George, UT companies can send the request from anywhere, by phone or online.
By Tealwood Funding Group ยท Updated