Bayrock Business Funding, a small-business funding service in Racine, Wisconsin, takes requests from businesses across Racine County by phone and through its form. This page lists towns in the county, with ZIP Code Business Patterns figures labeled by ZIP, and covers shop loans, bank loans and assessor checks before a build-out.
Villages and Cities Across Racine County, WI Beyond the Two Pages
Racine, WI and Sturtevant, WI each get a page of their own. The other Racine County, WI towns follow, some with Census figures of their own:
- Caledonia, WI: ZIP 53108 counted 83 employer establishments in 2023, 69.9% with fewer than five employees (ZBP); the village covers 55.2% of that ZIP's land. The ACS (2020-2024) put self-employment at 6.7% of employed residents.
- Union Grove, WI: ZIP 53182 counted 228 employer establishments in 2023 (ZBP), but the village covers only 4.7% of that ZIP's land, so the count is not a village figure.
- Waterford, WI: ZIP 53185 counted 367 employer establishments in 2023 (ZBP); the village covers 5.3% of the ZIP's land.
- Burlington, WI: ZIP 53105 counted 687 employer establishments in 2023 (ZBP); the city covers 4.8% of the ZIP's land and extends partly beyond Racine County.
- Mount Pleasant, WI: the ACS (2020-2024) put self-employment at 8.2% of employed residents.
- Yorkville, WI: the ACS (2020-2024) put self-employment at 10.3% of employed residents.
- North Bay, Elmwood Park, Wind Point, Raymond, Wind Lake, Tichigan, Browns Lake, Eagle Lake and Rochester, WI: no place-level business figures are used here.
ZIP figures describe postal areas, not town limits.
Racine County, WI tax assessor when you plan a build-out
Assessed value is what a municipality uses for property tax; it is not the same as an appraisal or a sale price. A partner financing equipment for a building you own, or reviewing a build-out, may look at the property record to confirm ownership and taxes paid. Unpaid property taxes can come up in the review, so check the record before asking for funding.
How to get a business loan for a shop in Racine, WI
"A shop" can mean a retail storefront, a repair bay or a production space, and each points to a different funding type. Fixtures and stock for a storefront fit inventory financing and a term loan; lifts and tools for a repair bay fit equipment financing; buying an existing shop fits a term loan. Name which shop it is when you call.
Auto repair shop loans and business loans for retail cover the two clearest cases.
How to get a business loan from the bank as a Racine County, WI owner
A bank reviews a business loan through tax returns, financial statements, collateral and the owner's credit, and may require the business to keep its accounts there. The process involves more documents than many online options; in return, banks may offer longer terms. Bayrock's funding partners may include banks; each partner sets its own requirements.
How to get a business loan to build a shop: a Racine, WI checklist
- Confirm the parcel's zoning allows the use.
- Get plans priced by contractors in writing.
- Ask the building department which permits apply.
- Separate the building cost (a real estate or construction loan, not arranged here) from equipment and fit-out (which are).
- Bring the bids, the permit list and recent statements to the request.
The Racine, WI zoning and building permits guide goes through the permit side.
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