Roseland Finance takes small-business funding requests from Ashland, OH, about 13 miles northeast of Mansfield, OH in Ashland County, OH. ZIP 44805 had 706 employer establishments and about 14,720 employees in 2023, the largest base among the community ZIPs on this site. Owners can request working capital, equipment financing or term loans by phone or online.
| Distance | About 13 miles northeast of Mansfield, OH |
|---|---|
| County | Ashland County, OH |
| ZIP 44805 employers | 706 establishments, per ZBP 2023 |
| ZIP 44805 employees | About 14,720, per ZBP 2023 |
| Part of the ZIP inside the city | 7.5%; the whole city lies in ZIP 44805 |
| Self-employed residents | 5.4% (+/- 1.6), ACS five-year 2020-24 |
A separate county: Ashland County, OH
Ashland, OH lies in Ashland County, OH, so Richland County, OH figures do not describe it. This page uses ZIP 44805 and city-level figures only. All of the city lies within ZIP 44805, and the city covers 7.5% of the ZIP's land.
ZIP 44805 business figures, 2023
ZIP 44805 had 706 employer establishments in 2023, about 14,720 paid employees and an annual payroll of about $664.8 million (ZIP Code Business Patterns). Of those establishments, 41.4% had fewer than five employees, a smaller small-employer share than any of the other five community ZIPs on this site.
By our arithmetic, that is about 20.8 employees per establishment and $45,165 in payroll per employee.
A broad sector mix in ZIP 44805
| Sector | Establishments | Share under 5 employees |
|---|---|---|
| Other services | 107 | 53.3% |
| Retail trade | 96 | 29.2% |
| Health care and social assistance (NAICS 62) | 83 | 28.9% |
| Accommodation and food services | 70 | 18.6% |
| Manufacturing | 59 | 22.0% |
| Finance and insurance | 48 | 58.3% |
| Construction | 41 | 63.4% |
| Professional, scientific and technical services (NAICS 54) | 41 | 58.5% |
| Wholesale trade | 39 | 46.2% |
With 96 retail establishments and 70 in accommodation and food services, stock and kitchen equipment are two possible funding needs. The retail page and inventory financing cover stock bought ahead of sales.
Self-employment in Ashland, OH
About 5.4% (+/- 1.6) of Ashland's employed residents were self-employed in 2020-2024 (American Community Survey), almost all of it, 4.7%, in unincorporated businesses.
Funding needs in a large ZIP
A ZIP with 706 employers and about 14,720 employees covers a wide range: health practices waiting on insurers, manufacturers buying equipment, restaurants refitting kitchens and retailers stocking up. The medical practice page and equipment financing cover two of these cases.
Finance and insurance had 48 establishments in the ZIP, 58.3% with fewer than five employees; an agency buying another book of business can look at a term loan.
From Ashland, OH to a funding request
Roseland takes these requests over the phone or through the web form. Start on the request page, compare sectors on the industries page, or go back to the areas served and the Mansfield, OH page.
Ashland, OH businesses we help
Owners in Ashland, OH come from many trades and services, such as contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock. Partners review each request on its own merits.
Documents to have ready
- Your most recent business tax return
- A year-to-date profit and loss statement and balance sheet
- A driver's license or passport for each owner
- Proof of ownership and business registration
- A simple schedule of current business debt and monthly payments
- For equipment, the seller's quote with make, model and price
No two partners ask for exactly the same file, so use this as a checklist rather than a rule.
How a request moves forward
- Reach us at (419) 556-4536 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.
- 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.
- After you give the go-ahead, we share the request with suitable lending partners, and each one decides on its own.
- 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.
Everything can be handled by phone or online from Ashland, OH.
By Roseland Finance · Updated
