Bayrock Business Funding, a small-business funding service in Racine, Wisconsin, serves Sturtevant by phone and through its request form. This page gives ZIP Code Business Patterns figures for ZIP 53177 and covers commercial leases, construction funding, trade names and payroll gaps. Funding partners review each request and decide.
ZIP 53177 Business Figures, Sturtevant, WI
ZIP Code Business Patterns counted 337 employer establishments with a ZIP 53177 address in 2023, employing 13,392 people with $884.1 million in annual payroll, about $66,017 per employee (our arithmetic). 36.8% had fewer than five employees. The ZIP is a postal area, not the village: Sturtevant covers 14.9% of ZIP 53177's land, so these counts include businesses outside the village limits.
| Sector | Establishments, ZIP 53177 | Share with fewer than five employees |
|---|---|---|
| Retail trade | 45 | 28.9% |
| Manufacturing | 40 | 12.5% |
| Transportation and warehousing | 39 | 20.5% |
| Health care and social assistance providers | 39 | 51.3% |
| Accommodation and food services | 33 | 33.3% |
| Wholesale trade | 27 | 40.7% |
Compared with ZIP 53403 in the City of Racine, where 49.6% of establishments had fewer than five employees (ZBP 2023), the Sturtevant postal area leans toward larger employers.
Requirements for leasing a commercial space in Racine County, WI
A commercial lease shapes a funding request as much as the business plan does. A partner financing a build-out or equipment in a leased space will read the lease for:
- The remaining term and renewal options, compared with the loan term.
- Who pays for improvements and who owns them when the lease ends.
- Whether the landlord must consent to equipment liens or fixtures.
- Permitted use, so the business can legally operate there.
- Any personal guarantee the landlord requires.
Before signing, confirm the zoning allows your use with the village and ask what permits the build-out needs.
How to get a business loan for construction for a Racine County, WI business
Construction funding for a contractor and funding for a building project are different requests. A contractor based in or around Sturtevant, WI may need a line of credit for materials and payroll between draws, or equipment financing for a skid steer or trailer. A business building its own space needs a construction or real estate loan, which Bayrock does not arrange.
For contractor needs, see financing for contractors. A partner will want contracts, the draw schedule and recent statements.
How to get a business loan with a DBA: steps for Racine, WI owners
- Confirm the trade name is registered the way your state and county require; the business's records should match it.
- Open or confirm a business bank account in the business's legal name with the trade name attached.
- Make sure invoices, deposits and tax returns tie back to the same legal entity.
- When asking for funding, give the legal name first and the trade name second.
- Expect the partner to verify the owner behind the trade name.
A trade name is not a separate legal entity; the agreement will be with the owner or the company behind it.
How to get a business loan for payroll: a Racine, WI checklist
- List payroll dates and amounts for the next three months.
- List expected deposits on the same calendar.
- Mark each week where payroll exceeds the running balance.
- Decide whether the gap repeats (a line) or happens once (a working capital loan).
- Gather recent statements and payroll reports for the partner.
Working capital covers the one-time version; a line covers the repeating one.
Six Miles West-Southwest: Sturtevant, WI Requests to Bayrock
Sturtevant sits about 6.2 miles west-southwest of Bayrock's Racine, WI listing. Requests from the village are handled by phone and through the form, the same as anywhere in the county. County-wide figures are on the Racine, WI page, other towns are on the service-area page, and trade notes are under industries.
Business owners served near Sturtevant, WI
Owners across Sturtevant, WI can ask about funding whatever their trade, from contractors and construction trades and restaurants and food service to medical and dental practices and retailers and wholesalers that carry stock. Any partner in the network makes the final call on its own.
Records and IDs to pull together in Sturtevant, WI
- Recent statements for the main business account, typically from the last three to six months
- The business tax return for the latest year, along with personal returns when a partner wants them
- A current government photo ID for every person who owns part of the business
- The documents that formed the company, plus the IRS notice confirming your EIN
- A list of the loans and leases already in place, noting what each one costs every month
- For an equipment purchase, the vendor's quote listing the model and the price
Each partner keeps its own document checklist, so treat this list as a baseline.
What happens next after an inquiry from Sturtevant, WI
- Call the office at (262) 217-7709 or send the request form with a short note on the purpose.
- After that, the request goes to partners that fund this kind of need.
- The partner looks over the request, then a decision follows on the partner's own criteria.
- Weigh the full cost, the payment schedule and the terms of any offer; whether to accept is up to you.
Owners of Sturtevant, WI businesses can finish every step by phone or online.
By Bayrock Business Funding ยท Updated