Crowngate Funding Group, a small-business funding service in Grand Island, NE, takes requests from St. Paul, NE owners in Howard County, NE by phone and online. ZIP 68873 had 111 employer establishments in 2023, 63.1% with fewer than five employees. Partners read each request and own every credit call.
| County | Howard County, NE |
|---|---|
| Distance | About 18.5 miles north-northwest of Grand Island, NE |
| ZIP 68873 employers, 2023 | 111 |
| ZIP 68873 under 5 employees | 63.1% |
| Self-employed residents | 8.3% (ACS 2020-2024) |
| Payroll per employee | About $42,961 (ZIP, our arithmetic) |
Business funding in St. Paul, NE: where the town sits
St. Paul, NE is in Howard County, NE, about 18.5 miles north-northwest of Grand Island, NE. Owners there reach Crowngate Funding Group by phone at (308) 310-7644 or through the online request; nothing about the process requires a trip.
St. Paul covers 0.7% of the land in ZIP 68873 (U.S. Census Bureau 2020 ZCTA-to-place relationship file), so ZIP figures below describe the wider ZIP area, not the town limits. Howard County, NE figures are not the same as Hall County, NE figures, and this page does not use Hall County numbers.
ZIP 68873 employers in ZBP counts
ZIP 68873 had 111 employer establishments in 2023, with 865 paid employees in the March pay period and an annual payroll of about $37.2 million (U.S. Census Bureau, ZIP Code Business Patterns 2023). 63.1% had fewer than five employees. Our arithmetic from those figures: about 7.8 employees per establishment and about $42,961 of payroll per employee.
| Sector | Establishments | Share under 5 employees |
|---|---|---|
| Retail trade | 19 | 36.8% |
| Other services | 14 | 78.6% |
| Health care and social assistance | 12 | 58.3% |
| Professional, scientific and technical | 11 | 81.8% |
| Finance and insurance | 10 | 60.0% |
| Wholesale trade | 9 | 55.6% |
| Construction | 8 | 75.0% |
Funding needs for St. Paul, NE owners
With retail and services at the top of the 68873 list and most employers under five people, funding needs might be small: stock for a store, a vehicle, a repair, a slow month. Inventory financing and a line of credit may fit those better than a large term loan.
Professional and finance offices (11 and 10 establishments in the ZIP) can wait on clients or carriers to pay; working capital can cover that wait.
Other places in Howard County, NE
Dannebrog, Farwell, Elba, Cushing and Howard City (Boelus) are other Howard County, NE places. Cushing shares ZIP 68873 with St. Paul. Owners there use the same phone number and online request; the full town list has the rest.
Self-employment in St. Paul, NE
In St. Paul, NE, 8.3% of employed residents were self-employed, 4.6% (±2.0) in an incorporated business and 3.7% (±1.8) in an unincorporated one (U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates). Those margins are wide for a small town, so treat the split as a rough guide.
Small business loans in St. Paul, NE: matching the size of the need
With most 68873 employers under five people, requests may be modest: a delivery vehicle, shelving, a repair, a few months of payroll. Smaller requests still go through the same partner review, and a clear purpose matters as much as at any size. Business loans for St. Paul, NE owners are compared on the six-option page.
St Paul, NE sectors our partners fund
Funding partners consider businesses across most industries in St Paul, NE, from contractors and construction trades and restaurants and food service to medical and dental practices and retailers and wholesalers that carry stock. Each partner still decides case by case.
What to gather before you call
- Business checking statements covering roughly the last quarter or two
- Business and personal tax returns for the latest year
- Current financial statements: profit and loss plus a balance sheet
- Your articles of organization or incorporation and the EIN letter
- Details of any loans, leases or advances the business already carries
- For equipment, the seller's quote with make, model and price
Partners differ in what they request; this list covers the usual ground.
The steps after your first call
- Reach us at (308) 310-7644 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.
- You hear which options match the need and what a partner will likely want to review. We submit nothing without your approval.
- 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.
Everything can be handled by phone or online from St Paul, NE.
By Crowngate Funding Group · Updated