Oceangate Funding Group, a small-business funding broker in Ogden, Utah, works by phone and online with businesses in Layton, UT, in Davis County. ZIP 84041 had 1,617 employer establishments and 23,483 paid employees in 2023, led by retail trade and health care. Lending partners make the credit decisions; the broker matches each request with partners offering the right structure.
| County | Davis County, Utah |
|---|---|
| Distance | 9.7 miles south of 2618 Washington Blvd |
| ZIP 84041 employers | 1,617 establishments, 23,483 paid employees (ZBP 2023) |
| Payroll | $1.11 billion in ZIP 84041 (ZBP 2023) |
| Largest sectors | Retail trade 236, health care 225 establishments (same source) |
Layton, UT by the numbers
| Measure, ZIP 84041 (2023) | Value |
|---|---|
| Employer establishments | 1,617 |
| Paid employees | 23,483 |
| Annual payroll | $1.11 billion |
| Establishments under five employees | 52.6 percent |
By sector, retail trade led with 236 establishments, then health care and social assistance (225), professional services (189), construction (176), accommodation and food services (158), other services (128), finance and insurance (107) and real estate (99).
Retail and health care: two different funding patterns
Retailers buy stock before they sell it and often run a line of credit alongside. The first question a partner asks is how fast the stock turns. Inventory financing explains the mechanics.
Clinics and dental offices work the other way round: large one-time purchases, such as imaging or chairs, and build-outs, repaid from steady patient revenue. Equipment financing and term loans are the usual structures; the medical and dental page covers what partners review.
Self-employment in Layton, UT
About 8.2 percent of Layton's employed residents were self-employed, with a margin of error of 1.2 points; 3.4 percent ran incorporated businesses and 4.9 percent unincorporated ones (U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates). That range overlaps Utah's 9.4 percent (margin 0.2), so the data does not show Layton as different from the state on this measure.
Licensing in Layton, UT
Layton has its own city government in Davis County, so a Layton business's local license comes from Layton, not from Ogden City. Owners looking up a Layton, UT business license renewal or application should go to the city.
The scale of employers in ZIP 84041
ZIP 84041's employers averaged about 14.5 paid employees per establishment in 2023 (23,483 employees across 1,617 establishments) and paid roughly $47,400 per paid employee (U.S. Census Bureau, ZIP Code 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.
Layton also had 158 accommodation and food service establishments and 176 construction establishments in the ZIP. A business base this broad produces every kind of request: stock for retailers, equipment for clinics and kitchens, and job-cost bridging for contractors. We say nothing here about where Layton's businesses are concentrated within the city, since the figures are by ZIP only.
Working with us from Layton, UT
We work with Layton owners by phone and online; there is no office in Layton. Call (801) 618-3773 or send the short form. Weber County context is on our Ogden, UT page (it does not describe Layton), and other towns are on the areas page.
Layton, UT businesses we help
For Layton, 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
- The last three to six months of business bank statements
- Last year's filed tax return for the business
- A year-to-date profit and loss statement and balance sheet
- Government-issued ID for each owner
- Proof of ownership and business registration
- Details of any loans, leases or advances the business already carries
Partners differ in what they request; this list covers the usual ground.
The steps after your first call
- You call (801) 618-3773 or send the short form (name, contact details and business name). When we speak, we ask what the money is for, how long you have been in business and roughly what the business brings in.
- 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.
- 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