A trade contractor, a quick-service restaurant or a one-person business calls (937) 588-3088 or sends the request form; partners that offer the matching product review the business, and each decides on any offer.
Banks, credit unions and online lenders all lend to Marysville, OH businesses; Reedshore Credit is the other route, sending one request on to funding partners. Union County, OH and ZIP 43040 Census figures are labeled by area, and property purchases and building work stay outside this site.
At a glance
- Union County, OH employers
1,240 employer establishments in 2023 (County Business Patterns)
- ZIP 43040 addresses
657 employer establishments in 2023 (ZIP Code Business Patterns); the ZIP reaches past the city
- No paid employees
5,729 businesses in Union County, OH in 2024 (Nonemployer Statistics)
Who lends to Union County, OH specialty trade contractors: banks, credit unions and online lenders
A plumbing, electrical or drywall contractor in Union County, OH has three kinds of lender in reach. A bank or credit union that already holds the business account can see its deposit history; an online lender takes the application over the web and sets its own terms; and some equipment sellers offer financing on their own machines. Reedshore Credit is a different path: one request goes to funding partners that offer the matching product, and the partner, not this site, reviews the business and makes any offer.
For a two- or three-person crew weighing a bank term loan against an online offer, the line that settles it is the total paid over the whole term. That crew would be one of 91 specialty trade contractor establishments that the 2023 County Business Patterns located in Union County, OH (NAICS 238). The six products a request can name are listed on the Reedshore Credit home page, and the contact page sets out six questions to put to any lender before signing.
Marysville, OH business loans for quick-service restaurants, specialty trade contractors and sole owners
A quick-service restaurant in Marysville, OH that needs a second fryer or a reach-in freezer has a purchase that equipment financing is built for, with the machine as the collateral. Few of these kitchens are tiny: just 6 of the 36 limited-service restaurant establishments in Union County, OH had fewer than five employees in 2023 (CBP, NAICS 722513). Wages and food orders between deposits fit a working capital loan instead.
For a specialty trade contractor waiting on a general contractor's check, a line of credit can carry wages and material bills and be paid down when the check clears. A one-person business can call or send the form the same way a crew does; a startup with no revenue yet sits outside this site. The 2024 Nonemployer Statistics counted 5,729 businesses without paid employees in Union County, OH, a separate program from the employer counts on this page.
ZIP 43040 is the city's ZIP, but it reaches well past the city: Marysville takes up 9.7% of the ZIP's land, while all of the city lies inside it (2020 ZCTA-to-place relationship file). At ZIP 43040 addresses, ZIP Code Business Patterns found 657 employer establishments in 2023, 48.2% with fewer than five employees. The seven largest sectors:
| Sector | NAICS | Establishments | Share with fewer than 5 employees |
|---|---|---|---|
| Other services (except public administration) | 81 | 84 | 60.7% |
| Retail trade | 44-45 | 82 | 32.9% |
| Accommodation and food services | 72 | 74 | 25.7% |
| Health care and social assistance | 62 | 69 | 37.7% |
| Professional, scientific, and technical services | 54 | 62 | 62.9% |
| Finance and insurance | 52 | 45 | 66.7% |
| Construction | 23 | 43 | 60.5% |
Leasing commercial property in Union County, OH as a landscaping company
A landscaping company that rents a yard or a shop in Union County, OH signs its lease with the property owner. Reedshore Credit does not fund the lease, and buying land or a building is outside this site. What the lease does change is how the mowers, trailers and payroll fit around it:
- Check that the lease allows trailers, skid steers and bulk mulch to be kept on the lot, not just parked.
- Read what the rent does each year: a fixed rise shows up in every bank statement a partner may ask to see.
- Ask which items stay with the property at move-out; financed equipment should be movable and leave with the crew.
- Price the deposit and moving costs, which sit with working capital, not with the lease.
On the 2023 County Business Patterns roll for Union County, OH, landscaping services (NAICS 561730) accounted for 45 establishments with paid employees. The 2024 Nonemployer Statistics, a different program, listed 101 landscaping businesses without paid employees in the county (NAICS 56173).
What Marysville, OH home builders and insurance agencies can use funding for
A home builder's funding through this site is for the business, not the houses: a mini excavator, a utility trailer, a laser level and nailer set, or crew wages between draws. Construction loans for the homes, lot purchases and any work on a building are real-estate lending that Reedshore Credit does not arrange. Residential building contractors in the county are mainly small employers: 19 of 24 establishments had fewer than five employees in 2023 (CBP, NAICS 2361), 79.2% by our arithmetic. For context on activity rather than firms, building permits authorized 968 new privately owned housing units in Union County, OH in 2025 (Census Building Permits Survey), a count of housing units, not of builders.
An insurance agency may use funding for different things, as the industries page shows: computers and furniture for a second desk, or a working capital loan to carry a new hire's pay while that hire gets started. In NAICS 5242 (insurance agencies and brokerages and other insurance related activities), 20 of the 23 Union County, OH establishments had fewer than five employees in 2023 (CBP), or 87.0% by our arithmetic.
Business loans in Ohio and where Marysville, OH IT firms fit
Across Ohio the lender types are the ones listed above, and an IT firm in Marysville, OH fits wherever its costs fall. Laptops, servers and switches suit equipment financing; a contract that pays only at the end of a project suits a working capital loan or a line of credit; a larger, planned purchase can go on a business term loan with a fixed schedule.
Computer systems design in Union County, OH is a field of very small employers: of 61 establishments with payroll in 2023 (CBP, NAICS 5415), 56 had fewer than five employees, or 91.8% by our arithmetic. In Marysville itself, the 2020-2024 American Community Survey puts 3.7% of employed residents 16 and over in their own business (self-employed, margin of error 1.1 points).
Finding the Reedshore Credit office in Marysville, OH, and what to bring
Reedshore Credit keeps its office at 105 E 5th St, Marysville, OH 43040; the line there is (937) 588-3088. The contact page shows the same address on a map. Before calling or stopping by, have three things to hand (the documents checklist lists more): recent business bank statements, the latest business tax return and, for a machine, the seller's quote. The request form itself only takes contact details and three ranges; a partner can ask for the documents during its own review.
For owners in Hilliard or in the village of West Jefferson, the nearby communities page explains which county and ZIP each place belongs to.
Businesses partners can review in the wider Marysville, OH area
Funding questions are welcome from Marysville, OH owners in nearly every field; auto repair shops, retailers, landscaping companies and restaurants are four of them. Each partner looking at the file applies its own rules to decide.
Documents worth having ready for owners across Marysville, OH
- The statements from each operating account with all pages attached
- A copy of the newest filed business return, and personal returns on request
- An income statement through last month together with an up-to-date balance sheet
- A current government photo ID for each person holding a share
- Registration records from the state, along with the IRS EIN notice
- When the money pays for equipment, the quote listing make, model and price
The documents a partner wants vary; these items are a common base.
What comes after a request for Marysville, OH businesses and firms
- Call the number (937) 588-3088 or fill out the form and pick a range for the amount you need.
- Next, the request is sent to partners so each partner can evaluate the details.
- Each partner goes over the file; the decision is up to the partner.
- Look at the cost and terms of any offer that arrives; agreeing is your decision.
Companies in Marysville, OH can start by phone or through the form, with records later if a partner asks.
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