Elm City, NC business owners can work with Shoreharbor Capital Group, a small-business funding broker in Wilson, North Carolina, by phone or online. ZIP 27822 had 107 employer establishments in 2023, 63.6 percent with fewer than five employees (Census ZIP Code Business Patterns). Shoreharbor connects owners with lending partners, which make credit decisions and set terms.
| ZIP 27822 employers | 107 establishments, 742 paid employees (Census ZBP 2023) |
|---|---|
| Fewer than five employees | 63.6 percent of ZIP 27822 employers (same source) |
| Town share of ZIP 27822 land | 2.4 percent (Census 2020 ZCTA-to-place relationship file) |
| Counties | Nash County, NC and Wilson County, NC |
| Broker address | 102 Goldsboro St E, Wilson, NC, 6.2 miles south-southwest (straight line) |
Where Elm City, NC sits
Elm City, NC is a town about 6.2 straight-line miles north-northeast of our Wilson, NC address, and the nearest of the towns we profile. It straddles a county line: the Census places it in both Nash County, NC and Wilson County, NC (2020 place-by-county codes file). Because of that split, Wilson County figures are not used to describe Elm City on this page.
For businesses in town, that county line can matter in practice: property listing, permits and some local services depend on which side of the line a parcel sits. Check with the town and the relevant county before you rely on any assumption.
ZIP 27822 by the numbers
Town-level business counts are not published for a place this size, so the figures here describe ZIP 27822, the postal area named for Elm City. Elm City covers 2.4 percent of that ZIP's land (Census 2020 ZCTA-to-place relationship file), so the ZIP includes a good deal of surrounding countryside, and its figures should not be read as Elm City town totals.
In 2023, ZIP 27822 had 107 employer establishments with 742 paid employees and an annual payroll of about $34.8 million. 63.6 percent of those establishments had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023).
ZIP 27822 sector mix
| Sector | Establishments | Share under five employees |
|---|---|---|
| Construction | 22 | 59.1% |
| Other services | 18 | 88.9% |
| Retail trade | 12 | 41.7% |
| Wholesale trade | 11 | 54.5% |
| Administrative and support services | 11 | 72.7% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023. Sectors with very small counts are left out.
What a construction-led, very small-firm ZIP needs
Nearly two in three ZIP 27822 employers had fewer than five employees, and the other-services group, the repair shops, salons and similar firms, was almost entirely made up of firms that small. Construction led the count. Firms like these tend to need short, flexible money: payroll cover between progress payments, a credit line for parts and materials, and financing for a trailer, a mini excavator or shop equipment. A wholesaler stocking goods ahead of orders faces the same timing issue on a larger scale.
None of this says what a lender will offer any particular firm. It describes the kind of requests a broker sees from a postal area with this business mix.
Working with a Wilson, NC broker from Elm City, NC
Shoreharbor Capital Group's office address is 102 Goldsboro St E, Wilson, NC 27893, 6.2 miles south-southwest. We have no staff or office in Elm City; owners there work with us by phone at (252) 318-3593 and online.
Wilson County data and free resources are on the Wilson, NC page, and the service-area page lists the other towns we work with.
Who Shoreharbor Capital Group works with in Elm City, NC
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, and Shoreharbor Capital Group works with businesses like these in Elm City, NC. Each partner still decides case by case.
Paperwork partners commonly ask for
- The last three to six months of business bank statements
- Business and personal tax returns for the latest year
- An up-to-date P&L and balance sheet, even if you prepare them yourself
- Proof of ownership and business registration
- Details of any loans, leases or advances the business already carries
- 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.
The steps after your first call
- It starts with a call to (252) 318-3593 or the short contact form. On the phone we cover the purpose of the funds, time in business and approximate monthly 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.
- After you give the go-ahead, we share the request with suitable lending partners, and each one decides on its own.
- When an offer arrives, weigh its full cost, how payments are scheduled and the conditions. Accepting is entirely your choice.
Our address: 102 Goldsboro St E, Wilson, NC 27893.
By Shoreharbor Capital Group · Updated