From there Timberwater hands the request to independent funding partners, and each one runs its own review and makes its own decision.
Owners in the smaller Stark County, ND cities, and in New England, ND, use the same Dickinson, ND phone line and the same funding products. ZIP figures on this page describe whole postal areas, not city limits.
Retail Shops Outside Dickinson, ND: Fixtures, Card Terminals and Opening Stock
A store in Richardton, ND or a parts counter in Belfield, ND buys what a Dickinson, ND retailer buys: shelving, a cooler, a card terminal and the next stock order. Fixtures and terminals fit equipment financing for a shop; a stock order fits inventory financing.
ZIP 58622, the Belfield, ND postal area, held 7 Retail Trade employer establishments in 2023 by physical address (ZIP Code Business Patterns). The Dickinson, ND city page has the county retail count and the ZIP 58601 figures.
Progress-Billing Gaps for Contractors Working Outside Dickinson, ND
A contractor on progress billing invoices each finished stage of a job, then waits for the general contractor or the owner to pay on its own terms. The crew and the supplier do not wait with it.
Illustration only, invented figures: a framing outfit paying $9,800 every other Friday has a progress bill outstanding for 30 days. Depending on the first payday, 2 or 3 payrolls fall in that wait, $19,600 to $29,400, which a working capital loan or a revolving line can carry.
Seven construction employer establishments had a ZIP 58622 address in 2023, and six had fewer than five employees (ZIP Code Business Patterns).
Parts and Fluids for Oilfield Service Companies Outside Dickinson, ND
An oilfield service company working wells outside Dickinson, ND keeps hoses, valves, filters, seals and drums of hydraulic fluid on the shelf, and each job draws them down before the operator pays. A line of credit can restock that shelf and be paid back as invoices clear; a larger stock order can go to inventory financing.
In the Belfield, ND postal area, ZIP 58622 counted 12 Mining, Quarrying, and Oil and Gas Extraction employer establishments in 2023, 41.7% of them with fewer than five employees (ZIP Code Business Patterns, NAICS 21, the sector that holds oil and gas field services).
A Practice Purchase for Chiropractors and Therapists Outside Dickinson, ND
A chiropractor or physical therapist buying an established practice in a Stark County, ND city is buying its treatment tables, records, staff and patient base in one price. A term loan for the purchase can fund it, and a partner can ask for the practice's financial statements and the purchase agreement.
Stark County, ND had 37 employer establishments in Offices of Other Health Practitioners in 2023, the NAICS 6213 code that includes chiropractors and physical therapists; 22 of those 37 had fewer than five employees (County Business Patterns).
Belfield, ND and the Wider ZIP 58622 Postal Area
Belfield, ND is a Stark County, ND city whose land sits entirely inside ZIP 58622, yet it covers only 0.3% of that ZIP's land. A count for the ZIP is a count for the whole postal area.
Read as a postal-area figure, the 2023 ZIP Code Business Patterns put 77 employer establishments at ZIP 58622 addresses, paying $76,579,000 in annual payroll to 897 employees, and 57.1% sat in the under-five-employee size class.
Richardton, ND and the Employer Count for ZIP 58652
Richardton, ND does not fit inside one ZIP: 91.0% of the city's land is in ZIP 58652, and the city covers 0.3% of that ZIP's land.
Employers with a ZIP 58652 address numbered 34 in 2023 and reported 286 paid employees and $17,254,000 of annual payroll; 58.8% were under five employees (ZIP Code Business Patterns). A shop or crew there can call about the same products a Dickinson, ND business would.
South Heart, ND, Gladstone, ND and Taylor, ND: Three Small Postal Areas
South Heart, ND, Gladstone, ND and Taylor, ND are Stark County, ND cities with small postal areas of their own. In 2023, ZIP 58655 (South Heart) held 13 employer establishments, with 10 in the under-five size class and $2,228,000 of annual payroll; South Heart covers 1.0% of the ZIP's land, and 94.7% of the city's land is in it.
ZIP 58630 (Gladstone) held 10 employer establishments with 20 paid employees, and 9 sat in the under-five size class. ZIP 58656 (Taylor) held 9, with $1,926,000 of annual payroll and 6 under five employees (ZIP Code Business Patterns, 2023). Numbers this small change when one business opens or closes.
New England, ND Belongs to Hettinger County, ND, Not Stark County, ND
Because the city of New England, ND lies in Hettinger County, ND, none of this site's Stark County, ND figures apply to it. Its own postal area, ZIP 58647, held 34 employer establishments in 2023, with 163 paid employees, $10,858,000 of annual payroll and 61.8% under five employees (ZIP Code Business Patterns). Measured by land, New England, ND fills just 0.1% of ZIP 58647.
A business there reaches Timberwater on (701) 402-5867, the same line used in Dickinson, ND.
By Timberwater Funding Group · Updated