Cloverbridge Credit in Suffolk, Virginia takes funding requests from Carrollton, VA, a community in Isle of Wight County about 15.1 miles away. This page gives the ZIP 23314 business counts and the self-employment share for Carrollton, a commercial lease checklist for a restaurant, space for a home health agency, questions for a landlord and what landlords ask of contractors.
At a glance
- Employer establishments, ZIP 23314
156 (ZIP Code Business Patterns 2023)
- Construction employers, ZIP 23314
25, with 76.0% under five employees (ZBP 2023)
- Share of ZIP 23314 land inside Carrollton, VA
33.6% (2020 ZCTA-place relationship file)
ZIP 23314 business counts for Carrollton, VA owners
ZIP 23314 counted 156 employer establishments in 2023 with 1,348 employees and $49.7 million in annual payroll, about $36,847 per employee (ZIP Code Business Patterns; our arithmetic). Construction led with 25 establishments, 76.0% of them with fewer than five employees, followed by health care and social assistance with 24, retail trade with 23 and accommodation and food services with 21. Overall, 58.3% of the ZIP's employers had fewer than five employees.
Carrollton covers 33.6% of the ZIP's land, and all of Carrollton lies inside it, so these are ZIP figures that include businesses outside the community. Carrollton is not part of the City of Suffolk, VA, and Suffolk figures do not describe it.
Owner-operators among Carrollton, VA working residents
The American Community Survey (2020-2024) puts 10.1% of employed Carrollton residents in their own business, with a wide margin of error of 4.0 points, so the true share could sit anywhere from about 6.1% to 14.1% (our arithmetic). About 3.7% work in their own incorporated business and 6.4% in an unincorporated one, each with its own margin of error. For comparison, the figure is 8.6% for Virginia. Owners working alone or with family can send a request the same way an employer can.
Leasing commercial property in Carrollton, VA: a quick-service restaurant checklist
- Confirm the space has, or can take, a grease trap, hood, ventilation and gas service.
- Ask who pays for the kitchen build-out and whether a tenant improvement allowance is offered.
- Match the lease term to the life of the build-out and its financing.
- Check signage rights and whether a drive-through lane is allowed.
- Read the assignment clause in case the restaurant is sold.
Accommodation and food services counted 21 employers in ZIP 23314 in 2023. Restaurant loans covers kitchen equipment and second locations.
Leasing storefront or office space in Carrollton, VA for a home health agency
A home health agency's office is mostly a base for scheduling, records and staff meetings, since care happens in clients' homes. That makes office or storefront space with parking and good access more important than location on a busy road. Ask about records storage, internet capacity and after-hours access, and match the lease term to the agency's plans. Health care and social assistance counted 24 employers in ZIP 23314 in 2023. Business loans for home health agencies covers payroll gaps.
Questions Carrollton, VA medical practices ask a landlord before signing a lease
- Who pays for plumbing, exam room and accessibility work, and who owns it later?
- Does the landlord offer a tenant improvement allowance, and on what schedule?
- Are medical uses allowed under the property's zoning and covenants?
- What are the renewal options and rent increases?
- Can the lease move to a buyer of the practice?
Medical practice loans and dental office loans cover equipment and buy-ins.
What Carrollton, VA landlords require from contractors leasing yard or shop space
A contractor leasing a yard or a shop with outdoor storage can expect a landlord to ask for proof of insurance, a security deposit, financial statements or tax returns, and sometimes a personal guarantee. The lease may limit equipment storage, fuel storage and hours of operation. Those terms matter to a funding partner too: equipment financed for the business should have a secure place to stay. Financing for contractors covers equipment and draw gaps, areas served lists the other nearby places, and the Suffolk, VA page has the city counts.
Business Sectors Open to a Request in Carrollton, VA
Funding partners consider Carrollton, VA companies across many kinds of work; examples include contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock. The partner that receives a file sets its own standards for each decision.
A Short Document List for a Carrollton, VA Request
- Statements for the business checking account showing deposits, withdrawals and balances
- The tax return the business filed last (personal returns may be requested too)
- An income statement that is up to date and a balance sheet for the same period
- Valid photo identification for each owner of record
- Registration papers for the business and the letter that confirms your EIN
- The dealer's quote for the equipment that shows the item, the seller and the cost
The documents a partner wants vary; expect these items in most cases.
How a Request Is Handled for Carrollton, VA Owners
- Speak with the office at (757) 655-7389 or use the form to share the amount and what it is for.
- Next, the request is sent to partners whose programs fit the purpose you gave.
- Each partner reads the file; the decision is the partner's alone.
- An offer, if one comes, needs a careful look at cost and terms, and say yes only if it fits your plans.
Carrollton, VA business owners can handle a request without visiting an office.
By Cloverbridge Credit ยท Updated