Oceangate Funding Group, a small-business funding broker in Ogden, Utah, works by phone and online with businesses in Eden, UT, an unincorporated Weber County community 10.6 miles away. ZIP 84310 had 205 employer establishments in 2023, most with fewer than five employees and led by construction. Lending partners decide and set every rate and term.
| Status | Unincorporated census-designated place, Weber County |
|---|---|
| Distance | 10.6 miles northeast of 2618 Washington Blvd |
| ZIP 84310 employers | 205 establishments, 1,860 paid employees (ZBP 2023) |
| Under five employees | 68.3 percent of ZIP 84310 employers (same source) |
| Eden, UT share of ZIP 84310 | 4.0 percent of the ZIP's land |
A small-firm ZIP code
ZIP 84310 had 205 employer establishments with 1,860 paid employees and $59.0 million in annual payroll in 2023, and 140 of those establishments, 68.3 percent, had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023). That is a higher small-firm share than Weber County as a whole, where 56.2 percent of employers had fewer than five employees (U.S. Census Bureau, County Business Patterns 2023).
Construction led with 47 establishments, followed by real estate and rental and leasing (29), professional services (27), health care (17), retail trade (16), food service (16), wholesale trade (10) and administrative services (10). Remember the caveat: Eden is a small part of this ZIP, which also takes in other places and a sliver of Ogden city.
Unincorporated means county-level
Because Eden is not an incorporated city, there is no Eden city government. Local matters that a city would handle elsewhere fall to Weber County, whose official website is webercountyutah.gov (checked 2026-10-16).
Funding needs in a contractor-heavy, small-firm area
When most employers have only a few staff and construction leads, the requests we hear are concrete: a compact loader or trailer, a work truck, or cash to carry a job until the owner's draw arrives. Equipment financing often suits small contractors because the machine secures it. Real estate and rental businesses, the second-largest group, more often ask about term financing for improvements. We do not arrange mortgages, and we make no claims here about seasonal patterns, since no seasonal data was collected for this area.
Reading a ZIP that is mostly outside Eden, UT
Eden covers about 4.0 percent of ZIP 84310's land, and a sliver of the ZIP, 0.7 percent of its land, even falls inside Ogden city (Census 2020 ZCTA-to-place relationship file). So the 205 establishments counted for the ZIP are spread across a much larger area than the community itself.
Employers in the ZIP are small: about 9.1 paid employees per establishment on average (1,860 across 205), against roughly 15.1 across Weber County, and payroll of about $31,700 per paid employee (U.S. Census Bureau, ZIP Code Business Patterns 2023; U.S. Census Bureau, County Business Patterns 2023). Payroll per employee is our own division of the published payroll by the published employee count; it mixes full-time and part-time jobs, so it is not a wage rate. Both figures point to owner-run firms, where a lending partner will weigh the owner's own credit and guarantee as heavily as the business's statements.
Working with us from Eden, UT
Call (801) 618-3773 or send the online form; everything works by phone and online. Weber County figures and contacts are on our Ogden, UT page, and other towns on the areas page.
The Eden, UT owners we usually hear from
For Eden, UT owners, Oceangate Funding Group focuses on the sectors 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. Approval is never automatic for any sector.
Paperwork partners commonly ask for
- Business checking statements covering roughly the last quarter or two
- Business and personal tax returns for the latest year
- An up-to-date P&L and balance sheet, even if you prepare them yourself
- Formation documents and your EIN
- A simple schedule of current business debt and monthly payments
- A written quote or invoice if the money is for equipment
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
- Reach us at (801) 618-3773 or through the contact form. When we call back, the first questions are simple: what the funding is for, how long the business has operated and its rough revenue.
- We walk through the funding types that suit that purpose and the paperwork partners tend to ask for. Nothing goes out until you say so.
- After you give the go-ahead, we share the request with suitable lending partners, and each one decides on its own.
- 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.
Oceangate Funding Group is based at 2618 Washington Blvd, Ogden, UT 84401.
By Oceangate Funding Group · Updated