Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, works with Lackawanna County owners from 612 Biden St. The county had 5,198 employer establishments in 2023, half with fewer than five employees, plus 14,632 businesses with no payroll in 2024. Each credit decision, rate and term belongs to the lending partner.
| Office address | 612 Biden St, Scranton, PA 18503 (Lackawanna County) |
|---|---|
| Employer establishments | 5,198 in Lackawanna County (CBP 2023) |
| Under five employees | 50.2% of those establishments |
| No-payroll businesses | 14,632 (NES 2024) |
| Office ZIP 18503 | 377 employer establishments (ZBP 2023) |
| Self-employed residents | 5.8% in Scranton, 7.2% county-wide (ACS 2020-2024) |
The city and Lackawanna County, PA
Orchardmark Financial's address is 612 Biden St in Scranton's 18503 ZIP code, in Lackawanna County. Owners in the city and the boroughs around it reach us by phone and online; the figures below come from the U.S. Census Bureau, not from our own records, and they describe the market a request comes from rather than anything about our work.
The Lackawanna County, PA business base
Lackawanna County had 5,198 employer establishments in 2023, employing 91,059 people with an annual payroll of about $4.49 billion. Small firms dominate: 2,609 establishments, or 50.2 percent, had fewer than five employees, and 4,360, or 83.9 percent, had fewer than 20 (U.S. Census Bureau, County Business Patterns 2023).
| Sector | Employer establishments, 2023 |
|---|---|
| Health care and social assistance | 810 |
| Retail trade | 809 |
| Accommodation and food services | 567 |
| Other services | 559 |
| Construction | 457 |
| Professional, scientific and technical services | 453 |
| Finance and insurance | 279 |
| Wholesale trade | 218 |
| Manufacturing | 218 |
Source: U.S. Census Bureau, County Business Patterns 2023. Health care and social assistance also had the largest annual payroll, about $1.19 billion. Manufacturing had only 218 establishments but 10,770 employees, so its firms are much larger on average than the county's retailers or contractors.
Businesses with no payroll
A further 14,632 businesses in Lackawanna County had no paid employees in 2024 (U.S. Census Bureau, Nonemployer Statistics 2024). These are sole proprietors and owner-run firms: tradespeople, consultants, small retailers and drivers among them. Nonemployer figures come from a different program and year than the employer counts above, so the two should not be added together.
ZIP 18503, around the office
ZIP 18503, which lies entirely within the city, had 377 employer establishments in 2023, with 4,735 paid employees and about $280.1 million in annual payroll; 52.5 percent had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023). Unlike the county, its largest sector was professional, scientific and technical services, with 104 establishments, followed by health care with 73, accommodation and food services with 40, retail with 39 and finance and insurance with 32.
That mix reflects offices, practices and restaurants rather than contractors' yards or warehouses, which sit mostly in other parts of the county.
Self-employment in Scranton, PA
About 5.8 percent of employed Scranton residents were self-employed in the 2020-2024 American Community Survey (margin of error plus or minus 1.0 point), compared with 7.2 percent across Lackawanna County (plus or minus 0.6) and 8.2 percent statewide (plus or minus 0.1). The ranges do not overlap, so the city's share is lower than the county's, and the county's is lower than Pennsylvania's. In the city, 2.0 percent ran incorporated businesses and 3.8 percent unincorporated ones.
Requests by sector around the county
- Medical and dental practices financing imaging, chairs and payroll while claims process: medical and dental practice financing.
- Restaurants replacing kitchen equipment or covering payroll: restaurant and food service financing.
- Contractors and specialty trades buying machines and carrying jobs between draws: contractor financing.
- Retailers and wholesalers buying stock: inventory financing.
All six structures are compared on one page; two frequent starting points are financing a cash gap and equipment loans and leases.
Business licenses and local tax records
Owners searching for a Scranton, PA business license are usually asking which city registrations and local business taxes apply. Partners may check that those accounts are current. The privilege and mercantile tax checklist covers what to have in order, and the state sales tax license guide covers businesses selling taxable goods.
Buying a business or leasing space in Scranton, PA
Searches for businesses and commercial property for sale or lease in Scranton are common. Buying an existing business is often funded with a term loan, with the partner reviewing the seller's records as well as yours. Orchardmark Financial does not arrange mortgages, so a property purchase itself falls outside our work; fitting out a leased space or equipping it does not.
Chamber, economic development and SBDC
Owners also look for the Scranton chamber of commerce, Lackawanna County's economic development office and SBDC advising in Scranton. These are independent of Orchardmark Financial, and we have no affiliation with any of them. The county resources guide collects them in one place.
Reaching Orchardmark Financial
Call (570) 512-9977, or read who we are and the contact page. Owners in nearby boroughs can see their own figures under the boroughs we work with.
Who Orchardmark Financial works with in Scranton, PA
Orchardmark Financial works with Scranton, PA businesses in four sectors our partners have confirmed: contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock. Being in one of them does not decide the outcome; the partner does.
What to gather before you call
- Your most recent business tax return
- Current financial statements: profit and loss plus a balance sheet
- Photo ID for every owner of the business
- Your articles of organization or incorporation and the EIN letter
- Details of any loans, leases or advances the business already carries
- The equipment quote, contract or purchase order the funding is for
No two partners ask for exactly the same file, so use this as a checklist rather than a rule.
What happens after you reach out
- You call (570) 512-9977 or send the short form (name, contact details and business name). When we speak, we ask what the money is for, how long you have been in business and roughly what the business brings in.
- We walk through the funding types that suit that purpose and the paperwork partners tend to ask for. Nothing goes out until you say so.
- 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.
Our address: 612 Biden St, Scranton, PA 18503.
By Orchardmark Financial · Updated
