Oceangate Funding Group, a small-business funding broker in Ogden, Utah, works by phone and online with businesses in Roy, UT, a Weber County city 5.2 miles from its office. ZIP 84067 held 509 employer establishments in 2023, led by construction and retail. Lending partners decide and set terms; the broker matches requests to the right structure.
| County | Weber County, Utah |
|---|---|
| Distance | 5.2 miles southwest of 2618 Washington Blvd |
| ZIP 84067 employers | 509 establishments, 6,521 paid employees (ZBP 2023) |
| Under five employees | 57.2 percent of ZIP 84067 employers (same source) |
| Self-employed residents | 6.8 percent, margin 1.5 points (ACS 2020-2024) |
Roy, UT business figures
ZIP code 84067 had 509 employer establishments in 2023, with 6,521 paid employees and $244.8 million in annual payroll (U.S. Census Bureau, ZIP Code Business Patterns 2023). Of those establishments, 291, or 57.2 percent, had fewer than five employees. Because Roy covers 98.4 percent of the ZIP's land, these are a reasonable proxy for the city, but they remain ZIP figures, not counts within city limits.
| Sector | Employer establishments, ZIP 84067 |
|---|---|
| Construction | 89 |
| Retail trade | 70 |
| Health care and social assistance | 57 |
| Other services | 57 |
| Accommodation and food services | 45 |
| Finance and insurance | 39 |
| Professional services | 37 |
Owners who work for themselves in Roy, UT
About 6.8 percent of Roy's employed residents were self-employed, with a margin of error of 1.5 points; 3.7 percent ran incorporated businesses and 3.1 percent unincorporated ones (U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates). Weber County's rate was 8.2 percent. The margins overlap, so the data does not show Roy as clearly different from the county.
What Roy, UT businesses tend to fund
A ZIP led by trade contractors and storefront retail produces two recurring requests. Contractors need machines and work vehicles, plus cash to carry a job until the progress payment lands. Retailers and service shops need stock and occasional fit-outs. In practice that points to equipment financing for the first group and a credit line or inventory financing for the second, with personal-service businesses such as salons and repair shops (the other services group) usually asking about small equipment purchases or working capital.
A Roy, UT business license
Roy is its own city, separate from Ogden, so a business located there deals with Roy rather than Ogden City for any local license. Owners searching for a Roy, UT business license application or renewal should start with the city itself.
How Roy, UT compares with Weber County, UT
Set against the county, ZIP 84067 looks much like Weber County in miniature. Construction made up 17.5 percent of its employer establishments (89 of 509), close to the county's 16.3 percent (1,042 of 6,389), and its small-firm share, 57.2 percent, sits next to the county's 56.2 percent (U.S. Census Bureau, ZIP Code Business Patterns 2023; U.S. Census Bureau, County Business Patterns 2023).
Where it differs is payroll. ZIP 84067's employers paid about $37,500 per paid employee in 2023, against roughly $50,700 across Weber County. 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. A lower figure is consistent with a ZIP weighted toward retail, food service and personal services rather than manufacturing, which carries the county's largest payroll. For funding, it suggests requests sized to modest storefront and trade businesses rather than large capital projects.
Working with us from Roy, UT
Everything happens by phone and online; we do not have an office in Roy. Call (801) 618-3773, or send the short form and we call back. Weber County data and contacts are on our Ogden, UT page, and nearby towns are listed on the areas page.
Roy, UT businesses we help
For Roy, 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
- Your most recent business tax return
- An up-to-date P&L and balance sheet, even if you prepare them yourself
- A driver's license or passport for each owner
- Formation documents and your EIN
- A simple schedule of current business debt and monthly payments
- For equipment, the seller's quote with make, model and price
Each lending partner sets its own list, so treat this as a starting point.
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 explain which funding types fit that use and what partners usually need to see. Nothing is submitted without your go-ahead.
- After you give the go-ahead, we share the request with suitable lending partners, and each one decides on its own.
- If a partner makes an offer, you compare the total cost, payment schedule and terms. You are never obligated to accept.
Our office is at 2618 Washington Blvd, Ogden, UT 84401.
By Oceangate Funding Group · Updated