Business funding in Wilmore, KY is handled by Lodgeleaf Business Loans by phone and online. Of ZIP 40390's 103 employer establishments in 2023, 68% employed fewer than five people. Each partner that looks at a request sets its own terms.
| Employer sites in ZIP 40390 | ZBP 2023 tally: 103 |
|---|---|
| Share of employers below five people | 68.0% of the ZIP's total, ZBP 2023 |
| Residents working for themselves in Wilmore, KY | 5.8% self-employed, give or take 2.6 points (ACS 2020-2024) |
How Wilmore, KY owners start a Lodgeleaf request
Wilmore, KY has a compact business base: ZIP 40390 counts about a hundred employer establishments, and most are very small.
Every Lodgeleaf request runs over the phone or the web form. A Wilmore, KY owner calls (859) 204-2726 or uses the request form; there is nothing to travel to. Wilmore is about 14 miles southwest of Lexington, KY in a straight line, in Jessamine County, KY.
ZIP 40390 in the Census counts
ZIP Code 40390, the Wilmore, KY postal ZIP, had 103 employer establishments in 2023 according to ZIP Code Business Patterns, with 1,920 paid employees and an annual payroll of about $50.3 million. Employers with fewer than five people made up 68.0% of them.
Keep the ZIP and the town apart: the city of Wilmore covers only about 13.2% of ZIP 40390's land area (2020 Census ZCTA-place relationship file), so these figures include the surrounding parts of Jessamine County, KY that share the Wilmore mailing address. They are not Wilmore city-limit counts, and Fayette County figures do not describe Wilmore at all.
| Sector | Employer establishments | Under 5 employees |
|---|---|---|
| Other services | 26 | 69.2% |
| Construction | 13 | 92.3% |
| Health care and social assistance | 11 | 81.8% |
| Professional, scientific and technical services | 8 | 100.0% |
| Retail trade | 7 | 42.9% |
| Accommodation and food services | 7 | 0.0% |
Figures: the Census Bureau's 2023 ZIP Code Business Patterns release.
Owner-operators among Wilmore, KY residents, per the ACS
The American Community Survey (2020-2024) estimates that 5.8% (plus or minus 2.6) of employed Wilmore residents are self-employed: 1.9 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.
Very small firms in a small ZIP
Two-thirds of ZIP 40390's employer establishments (68.0%) have fewer than five employees. Construction stands out: 12 of its 13 construction establishments are that small. Other services, a Census category that includes repair shops and personal services, is the largest sector with 26.
1,920 paid employees across 103 establishments is about 19 per employer (our arithmetic), even though 68.0% employ fewer than five. Both can be true only if most of the jobs sit in a minority of establishments; the Census counts do not say which. Counts this small can change noticeably between years, so read them as a 2023 snapshot.
A low average payroll in ZIP 40390
Annual payroll of about $50.3 million over those 1,920 employees comes to roughly $26,200 each (ZIP Code Business Patterns 2023, our division), with the employee count flagged medium confidence by the Census Bureau. A plain average this low can reflect part-time and seasonal hours mixed into the count, so treat it as context rather than a wage figure.
Which funding shapes fit Wilmore, KY businesses
Small crews and repair shops may start with equipment financing for a single vehicle or tool.
Working capital fits a gap with a clear end date, such as a job paid on completion.
Owners in neighboring Nicholasville share the same county; see the Nicholasville, KY page for a larger Jessamine County ZIP.
Local registration and advice for Wilmore, KY
Check with the City of Wilmore and Jessamine 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.
Kentucky's Small Business Development Center network, found by searching “America's SBDC Kentucky”, is a separate organization from Lodgeleaf; check with it directly for advising near Wilmore, KY. More towns are listed under the areas served, and Fayette County's figures are on the Lexington, KY page.
Wilmore, KY sectors our partners fund
Lodgeleaf Business Loans works with Wilmore, 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.
Documents to have ready
- Business checking statements covering roughly the last quarter or two
- Business and personal tax returns for the latest year
- A year-to-date profit and loss statement and balance sheet
- Government-issued ID for each owner
- Proof of ownership and business registration
- A simple schedule of current business debt and monthly payments
Each lending partner sets its own list, so treat this as a starting point.
How a request moves forward
- It starts with a call to (859) 204-2726 or the short contact form. On the phone we cover the purpose of the funds, time in business and approximate monthly revenue.
- You hear which options match the need and what a partner will likely want to review. We submit nothing without your approval.
- Once you agree, the request goes to partners that provide that type of funding. The credit decision belongs to each partner.
- If a partner makes an offer, you compare the total cost, payment schedule and terms. You are never obligated to accept.
From Wilmore, KY, the whole request can run by phone and online.
By Lodgeleaf Business Loans · Updated