Oceangate Funding Group, a small-business funding broker in Ogden, Utah, works by phone and online with businesses in Clearfield, UT, a Davis County city 8.7 miles from its office. ZIP 84015 had 952 employer establishments in 2023 across a broad mix of sectors. Lending partners decide and set terms; the broker matches each request to a suitable structure.
| County | Davis County, Utah |
|---|---|
| Distance | 8.7 miles south-southwest of 2618 Washington Blvd |
| ZIP 84015 employers | 952 establishments, 11,677 paid employees (ZBP 2023) |
| Clearfield, UT share of ZIP 84015 | 33.5 percent of the ZIP's land (Census 2020 relationship file) |
| Self-employed residents | 4.5 percent, margin 1.4 points (ACS 2020-2024) |
A broad employer mix in ZIP 84015
No single sector dominates ZIP 84015. In 2023 it had 133 construction establishments, 126 in retail trade, 115 in health care, 102 in professional services, 82 in other services, 81 in food service, 75 in finance and insurance and 70 in administrative and support services (U.S. Census Bureau, ZIP Code Business Patterns 2023). In total there were 952 employer establishments with 11,677 paid employees and $511.4 million in payroll, and 560 of the establishments, 58.8 percent, had fewer than five employees.
Those are ZIP code figures. Clearfield covers 33.5 percent of the ZIP's land, so they also include businesses outside city limits.
Fewer owner-operators than the state average
Only 4.5 percent of Clearfield's employed residents were self-employed (margin of error 1.4 points): 1.9 percent with incorporated businesses and 2.6 percent unincorporated (U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates). Statewide the rate was 9.4 percent (margin 0.2), so Clearfield residents are less likely than Utahns overall to run their own business. For funding, that shifts attention to the employer businesses in the ZIP rather than to sole proprietors.
Matching Clearfield, UT businesses to funding
- Retailers (126 establishments in the ZIP) usually ask about stock; inventory financing ties the funding to the goods.
- Health care offices (115) tend to finance equipment and build-outs.
- Contractors (133) look for working capital and equipment.
- Restaurants (81) finance kitchens, coolers and POS systems.
Registration in Clearfield, UT
Clearfield is a Davis County city, so local licensing runs through Clearfield rather than through Ogden City or Weber County. Searches for a Clearfield, UT business license application and renewal are common, and partners may ask to see the current license.
ZIP 84015 next to neighboring ZIP codes
| ZIP (2023) | Employer establishments | Under five employees | Payroll per paid employee |
|---|---|---|---|
| 84015 (Clearfield, UT) | 952 | 58.8 percent | about $43,800 |
| 84041 (Layton, UT) | 1,617 | 52.6 percent | about $47,400 |
| 84075 (Syracuse, UT) | 474 | 68.6 percent | about $37,300 |
ZIP 84015 sits between its neighbors on both measures. Its finance and insurance (75) and administrative and support (70) establishments are worth noting: staffing and service firms in the administrative group carry payroll every week while invoicing clients monthly, which is a classic case for working capital rather than equipment financing.
Working with an Ogden, UT broker from Clearfield, UT
Call (801) 618-3773 or use the online form; we do not have an office in Clearfield. Our Weber County figures do not describe Clearfield, so for the office's own area see our Ogden, UT page, and for other Davis County towns, the areas page.
Who Oceangate Funding Group works with in Clearfield, UT
Our lending partners have confirmed they fund contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock, and Oceangate Funding Group works with businesses like these in Clearfield, UT. Each partner still decides case by case.
Documents to have ready
- Recent business bank statements (partners often ask for three to six months)
- Your most recent business tax return
- Current financial statements: profit and loss plus a balance sheet
- Government-issued ID for each owner
- A list of existing business debts and payments
- The equipment quote, contract or purchase order the funding is for
No two partners ask for exactly the same file, so use this as a checklist rather than a rule.
From first call to a partner's decision
- It starts with a call to (801) 618-3773 or the short contact form. On the phone we cover the purpose of the funds, time in business and approximate monthly revenue.
- We explain which funding types fit that use and what partners usually need to see. Nothing is submitted without your go-ahead.
- With your permission, we take the request to lending partners that offer that kind of funding. Each partner reviews it and makes its own credit decision.
- Any offer comes from the partner. Read the total cost, the payment schedule and the terms before deciding; turning it down is always an option.
Our address: 2618 Washington Blvd, Ogden, UT 84401.
By Oceangate Funding Group · Updated