Business funding in Paris, KY is handled by Lodgeleaf Business Loans by phone and online. ZIP 40361 had 338 employer establishments in 2023, led by retail, health care and construction, and the city covers only about 3% of the ZIP's land. Funding partners review every request and set any rate and terms.
| Employer sites in ZIP 40361 | ZBP 2023 tally: 338 |
|---|---|
| Share of employers below five people | 53.0% of the ZIP's total, ZBP 2023 |
| Residents working for themselves in Paris, KY | 8.7% self-employed, give or take 3.1 points (ACS 2020-2024) |
How Paris, KY owners start a Lodgeleaf request
Paris, KY is a retail-led town by its ZIP counts, with health care and small contractors close behind, and a ZIP that stretches far into rural Bourbon County.
Every Lodgeleaf request runs over the phone or the web form. A Paris, KY owner calls (859) 204-2726 or uses the request form; there is nothing to travel to. Paris is about 17 miles northeast of Lexington, KY in a straight line, in Bourbon County, KY.
ZIP 40361 in the Census counts
ZIP Code 40361, the Paris, KY postal ZIP, had 338 employer establishments in 2023 according to ZIP Code Business Patterns, with 4,799 paid employees and an annual payroll of about $254.3 million. Employers with fewer than five people made up 53.0% of them.
Keep the ZIP and the town apart: the city of Paris covers only about 3.1% of ZIP 40361's land area (2020 Census ZCTA-place relationship file), so these figures include the surrounding parts of Bourbon County, KY that share the Paris mailing address. They are not Paris city-limit counts, and Fayette County figures do not describe Paris at all.
| Sector | Employer establishments | Under 5 employees |
|---|---|---|
| Retail trade | 52 | 40.4% |
| Health care and social assistance | 46 | 54.3% |
| Construction | 44 | 65.9% |
| Other services | 29 | 55.2% |
| Professional, scientific and technical services | 27 | 81.5% |
| Accommodation and food services | 24 | 12.5% |
Figures: the Census Bureau's 2023 ZIP Code Business Patterns release.
Owner-operators among Paris, KY residents, per the ACS
The American Community Survey (2020-2024) estimates that 8.7% (plus or minus 3.1) of employed Paris residents are self-employed: 2.5 points in incorporated businesses and 6.2 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 mostly rural ZIP around a small city
The city of Paris covers just 3.1% of ZIP 40361's land, the smallest share of any community page on this site. Most of the ZIP is rural Bourbon County, so a Paris, KY mailing address can belong to a shop in town or a contractor out in the county.
Retail leads with 52 establishments, followed by health care (46) and construction (44), where two-thirds of firms have fewer than five employees. Agriculture appears too (11 establishments), but agriculture requests are not something Lodgeleaf arranges.
Headcount and payroll across ZIP 40361
Our arithmetic on ZIP Code Business Patterns 2023: 4,799 paid employees across 338 employers is about 14 each, and $254.3 million of payroll over those employees is roughly $53,000 each. Retail, the largest sector at 52 establishments, has the smallest share of tiny firms among the ZIP's top three (40.4% under five), so many of its shops carry a real payroll alongside their stock.
Which funding shapes fit Paris, KY businesses
Shops can use inventory financing for stock ahead of busy periods; the retail funding page goes further.
Small contractors look at equipment financing and a line of credit.
Clinics and practices may need equipment or term loans for space.
Local registration and advice for Paris, KY
Check with the City of Paris and Bourbon 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.
Bourbon County, KY owners wanting advising can check Kentucky's Small Business Development Center network for the nearest center and ask about any fees; it operates on its own, apart from Lodgeleaf. More towns are listed under the areas served, and Fayette County's figures are on the Lexington, KY page.
Paris, KY sectors our partners fund
Lodgeleaf Business Loans works with Paris, KY businesses of most kinds; contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock are common examples. The partner, not the industry, makes the decision.
Paperwork partners commonly ask for
- The last three to six months of business bank statements
- A year-to-date profit and loss statement and balance sheet
- A driver's license or passport for each owner
- Proof of ownership and business registration
- A list of existing business debts and payments
- A written quote or invoice if the money is for equipment
Partners differ in what they request; this list covers the usual ground.
How a request moves forward
- Reach us at (859) 204-2726 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.
- 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.
- Any offer comes from the partner. Read the total cost, the payment schedule and the terms before deciding; turning it down is always an option.
Owners in Paris, KY can start by phone or with the short online form; no office visit is needed.
By Lodgeleaf Business Loans · Updated