Oceangate Funding Group, a small-business funding broker in Ogden, Utah, works by phone and online with businesses in Kaysville, UT, in Davis County. ZIP 84037 had 961 employer establishments in 2023, led by professional services, and 13.4 percent of Kaysville residents were self-employed. Lending partners decide on every request and set the terms.
| County | Davis County, Utah |
|---|---|
| Distance | 13.1 miles south of 2618 Washington Blvd |
| ZIP 84037 employers | 961 establishments, 7,748 paid employees (ZBP 2023) |
| Largest sector | Professional, scientific and technical services, 187 establishments (same source) |
| Self-employed residents | 13.4 percent, margin 2.8 points (ACS 2020-2024) |
Owner-operators in Kaysville, UT
About 13.4 percent of Kaysville's employed residents were self-employed (margin of error 2.8 points), well above Utah's 9.4 percent (margin 0.2) even at the low end of the range (U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates). Most of them, 8.1 percent of employed residents, ran unincorporated businesses, against 5.3 percent with incorporated ones.
That matters for funding. An unincorporated sole proprietor's business and personal finances are legally the same, and partners review them together. Owners thinking about forming an entity before seeking funding can start with the funding comparison and ask an accountant or lawyer about structure.
ZIP 84037 employers
| Sector | Employer establishments, ZIP 84037 |
|---|---|
| Professional, scientific and technical services | 187 |
| Construction | 130 |
| Health care and social assistance | 118 |
| Retail trade | 88 |
| Real estate and rental and leasing | 76 |
| Finance and insurance | 60 |
In total the ZIP had 961 employer establishments, 7,748 paid employees and $382.6 million in payroll, and 68.7 percent of establishments had fewer than five employees.
Funding for service firms
Professional firms, such as engineering, accounting, design and consulting practices, own few hard assets, so equipment-backed structures do less for them. Their requests are more often a credit line to smooth slow-paying clients, or a term loan for an office build-out or software. Partners look at recurring revenue, client concentration and receivables. Construction and health care firms, the next two groups, follow the patterns described on the industry pages.
Licensing in Kaysville, UT
Kaysville has its own city government in Davis County, so any local license comes from Kaysville.
Professional services in numbers
Professional, scientific and technical services made up 19.5 percent of ZIP 84037's employer establishments in 2023 (187 of 961) (U.S. Census Bureau, ZIP Code Business Patterns 2023). Employers in the ZIP averaged about 8.1 paid employees each, and payroll came to roughly $49,400 per paid employee. 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.
Taken with the high self-employment rate, the picture is of many small, skilled, owner-led firms. For those businesses, receivables and client contracts usually matter more to a lending partner than equipment does.
Working with us from Kaysville, UT
We work with Kaysville owners by phone and online. Call (801) 618-3773 or send the short form. Weber County figures on our Ogden, UT page do not describe Kaysville; the areas page covers other Davis County towns.
Kaysville, UT businesses we help
Our partners have confirmed appetite for four kinds of business: contractors and construction trades, restaurants and food service, medical and dental practices, and retailers and wholesalers that carry stock. If your Kaysville, UT business is something else, call and ask before you spend time on paperwork.
What to gather before you call
- Recent business bank statements (partners often ask for three to six months)
- Business and personal tax returns for the latest year
- A year-to-date profit and loss statement and balance sheet
- Your articles of organization or incorporation and the EIN letter
- A simple schedule of current business debt and monthly payments
- For equipment, the seller's quote with make, model and price
No two partners ask for exactly the same file, so use this as a checklist rather than a rule.
What happens after you reach out
- 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.
- Once you agree, the request goes to partners that provide that type of funding. The credit decision belongs to each partner.
- If a partner makes an offer, you compare the total cost, payment schedule and terms. You are never obligated to accept.
Oceangate Funding Group is based at 2618 Washington Blvd, Ogden, UT 84401.
By Oceangate Funding Group · Updated