Graniteford Finance, a small-business funding broker in Casper, WY, works with Natrona County businesses from 106 S Wisconsin Ave. The county had 3,071 employer establishments in 2023, 55.0 percent with fewer than five employees, plus 8,060 businesses without employees in 2024. Lending partners, not Graniteford Finance, make credit decisions and set rates and terms.
| Office | 106 S Wisconsin Ave, Casper, WY 82609 |
|---|---|
| Phone | (307) 368-2297 |
| County | Natrona County, Wyoming |
| Employer establishments | 3,071 in Natrona County (CBP 2023) |
| Businesses without employees | 8,060 in Natrona County (NES 2024) |
| Self-employed residents | 10.1% of employed Casper, WY residents, +/- 1.5 points (ACS 2020-2024) |
The business base in Natrona County
Natrona County had 3,071 employer establishments in 2023, employing 31,602 people in the pay period that includes March 12 and paying $1.87 billion in annual payroll (U.S. Census Bureau, County Business Patterns 2023). Most were small: 1,688 establishments, or 55.0 percent, had fewer than five employees, and another 598 had five to nine.
Businesses with no paid employees are counted separately. There were 8,060 of them in Natrona County in 2024 (U.S. Census Bureau, Nonemployer Statistics 2024). Because the two counts come from different programs and years, they should not be added together, but the comparison makes the point: owner-operated businesses far outnumber employers here.
| Employees | Establishments |
|---|---|
| Fewer than 5 | 1,688 |
| 5 to 9 | 598 |
| 10 to 19 | 426 |
| 20 to 49 | 265 |
| 50 to 99 | 62 |
| 100 to 249 | 25 |
| 250 to 499 | 6 |
Source: U.S. Census Bureau, County Business Patterns 2023. Counts for larger size classes are not published for the county.
Self-employment in Casper, WY
About one in ten employed Casper, WY residents works for themselves: 10.1 percent, with a margin of error of 1.5 points, or roughly 2,977 of 29,570 civilian employed residents aged 16 and over (U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates). The county figure is 10.9 percent (+/- 1.3) and the statewide figure 11.9 percent (+/- 0.5). The ranges overlap, so the data do not show Casper, WY as clearly lower or higher than Wyoming as a whole.
Self-employed residents in the city split almost evenly between those running incorporated businesses (4.5 percent of employed residents, +/- 0.9) and those running unincorporated ones (5.6 percent, +/- 1.2) (same source). That matters for funding: partners usually ask an incorporated business for its entity records and business tax returns, while a sole proprietor's business income often sits on a personal return.
Which sectors are largest
| Sector | Establishments | Annual payroll |
|---|---|---|
| Retail trade | 350 | $183.5 million |
| Health care and social assistance | 339 | $342.7 million |
| Construction | 335 | $191.6 million |
| Professional, scientific and technical services | 325 | $162.2 million |
| Other services | 263 | $49.4 million |
| Accommodation and food services | 214 | $87.5 million |
| Wholesale trade | 204 | $161.6 million |
Source: U.S. Census Bureau, County Business Patterns 2023. Health care and social assistance had the largest payroll of any sector. Mining, quarrying and oil and gas extraction, with 120 establishments, had the second-largest payroll at $202.0 million.
Funding needs in the sectors our partners cover
Lending-partner coverage is confirmed for four groups, and each has its own page:
- Contractors and the trades: equipment, materials and payroll between progress payments.
- Medical and dental practices: clinical equipment, build-outs and the wait for reimbursements.
- Restaurants: kitchen equipment, repairs and uneven weeks.
- Retailers and wholesalers: stock bought ahead of sales, covered under inventory financing.
For needs that cut across sectors, compare working capital, equipment financing and the rest in the six options side by side. Partner coverage does not include agriculture or trucking.
The office ZIP in figures
ZIP Code 82609, the office's ZIP, held 611 employer establishments in 2023 with 7,206 paid employees and $329.4 million in annual payroll; 57.3 percent of those establishments had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023). Retail trade (107), professional and technical services (83) and health care (80) led the count. ZIP boundaries do not follow city limits: only about 9.1 percent of the ZIP's land lies inside Casper, WY (U.S. Census Bureau, 2020 ZCTA-to-place relationship file), so treat these as figures for the ZIP, not the city.
Registering and licensing a business here
Business entities are formed with the Wyoming Secretary of State, and sales tax accounts are set up with the Wyoming Department of Revenue's Excise Tax Division. Whether a particular business also needs a City of Casper or Natrona County license depends on what it does, so confirm with the city and county directly.
Partners commonly ask for proof that a business is registered and active. The Casper, WY license and sales tax checklist lists which office holds which record, and the good standing guide shows how to confirm your entity's status.
Free local help
Owners who want advice before borrowing can contact Advance Casper, Natrona County's economic development organization; the Casper Area Chamber of Commerce; the Wyoming SBDC Network; and the SBA Wyoming District Office. Graniteford Finance is not affiliated with any of them. Our directory of local resources explains what each one is for.
Buying a business or property in Casper, WY
Owners buying an existing business usually look at a term loan, sized to the purchase and repaid over several years, with the seller's financial records doing most of the work in the partner's review. Purchases of commercial property are generally financed with commercial real estate loans, which are not among the six funding types we broker; equipment or stock bought with a business can be financed separately.
Reaching the office
Graniteford Finance, 106 S Wisconsin Ave, Casper, WY 82609, phone (307) 368-2297. About Graniteford Finance explains who we are, and the contact page has every way to reach us. We also work with owners in nearby towns in Natrona and Converse counties.
Who Graniteford Finance works with in Casper, WY
Our partners have confirmed appetite for four kinds of business: contractors and construction trades, restaurants and food service, medical and dental practices, and retailers and wholesalers that carry stock. If your Casper, WY business is something else, call and ask before you spend time on paperwork.
What to gather before you call
- The last three to six months of business bank statements
- 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
- Formation documents and your EIN
- Details of any loans, leases or advances the business already carries
No two partners ask for exactly the same file, so use this as a checklist rather than a rule.
From first call to a partner's decision
- You call (307) 368-2297 or send the short form. We ask what the money is for, how long you have been in business and roughly what the business brings in.
- We explain which funding types fit that use and what partners usually need to see. Nothing is submitted without your go-ahead.
- After you give the go-ahead, we share the request with suitable lending partners, and each one decides on its own.
- If a partner makes an offer, you compare the total cost, payment schedule and terms. You are never obligated to accept.
Graniteford Finance is based at 106 S Wisconsin Ave, Casper, WY 82609.
By Graniteford Finance · Updated