Business Funding for Old Forge, PA Businesses

A ZIP that closely matches the borough

All of Old Forge lies inside ZIP 18518, and the borough covers about 85 percent of that ZIP's land (U.S. Census Bureau 2020 ZIP code tabulation area relationship files). That makes the ZIP figures a reasonable stand-in for the borough itself, although they still include a small area outside borough limits.

Small employers, evenly spread

ZIP 18518 had 170 employer establishments in 2023, with 1,629 paid employees and about $64.2 million in annual payroll (U.S. Census Bureau, ZIP Code Business Patterns 2023). That is fewer than ten employees per establishment on average. No single sector dominates:

• Retail trade: 24 establishments.
• Accommodation and food services: 23.
• Construction: 21.
• Health care and social assistance: 20.
• Professional services and other services: 14 each.

The share of employers with fewer than five employees, 63.5 percent, is well above the 50.2 percent across Lackawanna County (U.S. Census Bureau, County Business Patterns 2023). About 6.3 percent of employed Old Forge residents were self-employed in the 2020-2024 American Community Survey, with a margin of error of plus or minus 3.0 points.

What very small firms usually need

For a business with two or three employees, one missed customer payment or one broken oven can swallow a month's margin. The requests that follow are usually small and specific:

• A restaurant replacing a cooler or covering payroll during a slow stretch; see restaurant financing.
• A contractor carrying materials until a homeowner or general contractor pays.
• A shop or practice bridging a short gap with working capital.

For firms this size, partners look closely at the owner's personal credit and at whether the business account is kept separate from personal spending.

Local records in Old Forge, PA

Check with the borough whether a local business registration or tax applies before you apply, so that any record a partner asks for is current.

Reaching us from Old Forge, PA

The office at 612 Biden St in Scranton, PA is about five miles northeast. Call (570) 512-9977 or use the form. County numbers and local help are on the city page, and nearby Lackawanna County towns on the areas page.

Who Orchardmark Financial works with in Old Forge, PA

For Old Forge, PA owners, Orchardmark Financial focuses on the sectors our lending partners have confirmed they fund: contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock. Approval is never automatic for any sector.

Paperwork partners commonly ask for

• Recent business bank statements (partners often ask for three to six months)
• 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
• Your articles of organization or incorporation and the EIN letter
• 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

1. It starts with a call to (570) 512-9977 or the short contact form. On the phone we cover the purpose of the funds, time in business and approximate monthly revenue.
2. You hear which options match the need and what a partner will likely want to review. We submit nothing without your approval.
3. 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.
4. When an offer arrives, weigh its full cost, how payments are scheduled and the conditions. Accepting is entirely your choice.

Orchardmark Financial is based at 612 Biden St, Scranton, PA 18503.

By Orchardmark Financial · Updated 2026-10-16