Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, works with Olyphant, PA owners by phone and online. ZIP 18447 had 257 employer establishments in 2023: retail 41, construction 31, health care 31 and wholesale 25 (Census ZBP). The borough covers only about a fifth of that ZIP. Lending partners, not Orchardmark, make the credit decisions and set terms.
| County | Lackawanna County, PA |
|---|---|
| Distance | About 5.5 miles ENE of Scranton, PA |
| ZIP 18447 employers | 257 in 2023 (Census ZBP) |
| Construction and wholesale | 31 and 25 establishments |
| Borough share of ZIP land | About 19% |
Read ZIP 18447 with care
Olyphant covers only about 19 percent of ZIP 18447's land, so most of the businesses counted in that ZIP sit outside the borough. In the other direction, about 71 percent of the borough lies in 18447 and about 27 percent in ZIP 18512 (U.S. Census Bureau 2020 ZIP code tabulation area relationship files). The figures below are always labelled ZIP 18447, not Olyphant.
ZIP 18447 by sector
ZIP 18447 had 257 employer establishments in 2023, with 3,957 paid employees and about $193.4 million in annual payroll; 49.0 percent had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023).
| Sector | Employer establishments |
|---|---|
| Retail trade | 41 |
| Construction | 31 |
| Health care and social assistance | 31 |
| Wholesale trade | 25 |
| Other services | 23 |
| Accommodation and food services | 20 |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023.
Funding patterns this mix suggests
Construction and wholesale together account for 56 of the ZIP's employers, a heavier weight than in most nearby ZIPs. Both carry costs well before they are paid:
- Contractors buying or replacing machines and work vans; contractor financing covers equipment and gaps between draws.
- Wholesalers paying suppliers ahead of customer orders, often through inventory financing or a credit line.
- Retailers and practices with the same stock and payroll timing issues found elsewhere in the county.
A wholesaler's customer payment terms matter as much as its sales: partners ask how long invoices take to be paid.
What partners ask contractors and distributors
- A list of current contracts or open purchase orders.
- An accounts receivable aging report showing who owes what, and since when.
- Quotes or invoices for any equipment being bought.
- Existing liens, leases and advances on business assets.
Having those ready before the first call makes it easier to say whether the need is a one-time purchase or a recurring gap.
Local records in Olyphant, PA
Confirm with the borough whether a local registration or business tax applies before applying.
Reaching us from Olyphant, PA
Scranton, PA is a little over five miles to the southwest, with Orchardmark at 612 Biden St; most requests go by phone at (570) 512-9977 or the form. Lackawanna County business counts sit on the city page, and neighboring boroughs on the areas page.
Olyphant, PA sectors our partners fund
For Olyphant, 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.
Documents to have ready
- Last year's filed tax return for the business
- Current financial statements: profit and loss plus a balance sheet
- Government-issued ID for each owner
- Your articles of organization or incorporation and the EIN letter
- Details of any loans, leases or advances the business already carries
- A written quote or invoice if the money is for equipment
Partners differ in what they request; this list covers the usual ground.
The steps after your first call
- Reach us at (570) 512-9977 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.
- When an offer arrives, weigh its full cost, how payments are scheduled and the conditions. Accepting is entirely your choice.
Our office is at 612 Biden St, Scranton, PA 18503.
By Orchardmark Financial · Updated
