Business funding in Georgetown, KY runs through Lodgeleaf Business Loans by phone and online. ZIP 40324 had 990 employer establishments and 26,020 paid employees in 2023, led by health care, retail and food service. Equipment, working capital and inventory requests fit that mix; the decision on each request rests with funding partners.
| Employer sites in ZIP 40324 | ZBP 2023 tally: 990 |
|---|---|
| Share of employers below five people | 50.2% of the ZIP's total, ZBP 2023 |
| Residents working for themselves in Georgetown, KY | 6.5% self-employed, give or take 1.5 points (ACS 2020-2024) |
How Georgetown, KY owners start a Lodgeleaf request
Georgetown's ZIP 40324 has the largest paid workforce of the six community ZIPs on this site: 990 employer establishments and over 26,000 paid employees, with health care, retail and food service leading.
Every Lodgeleaf request runs over the phone or the web form. A Georgetown, KY owner calls (859) 204-2726 or uses the request form; there is nothing to travel to. Georgetown is about 15 miles north of Lexington, KY in a straight line, in Scott County, KY.
ZIP 40324 in the Census counts
ZIP Code 40324, the Georgetown, KY postal ZIP, had 990 employer establishments in 2023 according to ZIP Code Business Patterns, with 26,020 paid employees and an annual payroll of about $1.59 billion. Employers with fewer than five people made up 50.2% of them.
Keep the ZIP and the town apart: the city of Georgetown covers only about 10.9% of ZIP 40324's land area (2020 Census ZCTA-place relationship file), so these figures include the surrounding parts of Scott County, KY that share the Georgetown mailing address. They are not Georgetown city-limit counts, and Fayette County figures do not describe Georgetown at all.
| Sector | Employer establishments | Under 5 employees |
|---|---|---|
| Health care and social assistance | 147 | 49.0% |
| Retail trade | 128 | 43.0% |
| Accommodation and food services | 115 | 21.7% |
| Professional, scientific and technical services | 107 | 75.7% |
| Other services | 96 | 55.2% |
| Construction | 84 | 56.0% |
Figures: the Census Bureau's 2023 ZIP Code Business Patterns release.
Owner-operators among Georgetown, KY residents, per the ACS
The American Community Survey (2020-2024) estimates that 6.5% (plus or minus 1.5) of employed Georgetown residents are self-employed: 2.6 points in incorporated businesses and 3.9 points in unincorporated ones. The margin of error is wide for a city this size, so treat it as a rough guide rather than a precise figure.
A large workforce and the businesses that serve it
ZIP 40324's 26,020 paid employees spread across 990 establishments works out to about 26 per establishment on average, the highest of the ZIP codes on this site. Manufacturing has 47 establishments, and only 12.8% of them have fewer than five employees.
Health care leads the ZIP's sector counts with 147 establishments, followed by retail (128) and food service (115). Payroll divided by employees comes to roughly $61,200 each (our arithmetic), a plain average across every employer in the ZIP. Because the payroll figure here is flagged medium confidence in the Census file, treat it as approximate.
Which funding shapes fit Georgetown, KY businesses
Restaurants and cafes use equipment financing for kitchens and working capital for opening payroll.
Health practices look at equipment financing and term loans for build-outs.
Retailers can compare inventory financing with a line of credit.
Local registration and advice for Georgetown, KY
Check with the City of Georgetown and Scott County, KY about any local business license or registration before a funding request, so the paperwork partners see is current. Lexington-Fayette paperwork is a separate matter.
Owners who look up “America's SBDC Kentucky” will find the state's Small Business Development Center network; confirm its current Scott County, KY options on its own site. Lodgeleaf and that network are unrelated. More towns are listed under the areas served, and Fayette County's figures are on the Lexington, KY page.
Georgetown, KY sectors our partners fund
Funding partners consider businesses across most industries in Georgetown, KY, 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.
Paperwork partners commonly ask for
- The last three to six months of business bank statements
- Last year's filed tax return for the business
- Current financial statements: profit and loss plus a balance sheet
- Formation documents and your EIN
- A list of existing business debts and payments
- 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
- You call (859) 204-2726 or send the short request form. When we speak, we go over what the money is for, how long you have been in business and roughly what the business brings in.
- You hear which options match the need and what a partner will likely want to review. We submit nothing without your approval.
- With your permission, we take the request to lending partners that offer that kind of funding. Each partner reviews it and makes its own credit decision.
- If a partner makes an offer, you compare the total cost, payment schedule and terms. You are never obligated to accept.
Owners in Georgetown, KY can start by phone or with the short online form; no office visit is needed.
By Lodgeleaf Business Loans · Updated