Graniteford Finance, a small-business funding broker in Casper, WY, works with Evansville, WY wholesalers, retailers, restaurants and contractors, helping them compare inventory financing, equipment financing, working capital, credit lines, term loans and merchant cash advances, and taking each request to lending partners, which make credit decisions and set rates and terms. Call (307) 368-2297.
| Town | Evansville, Natrona County, Wyoming |
|---|---|
| ZIP area | 82636: 122 employer establishments, 2,194 paid employees (ZBP 2023) |
| Small employers | 39.3% of ZIP 82636 establishments had fewer than 5 employees (ZBP 2023) |
| Leading sectors | Wholesale, retail, and accommodation and food services, 15 establishments each |
| Office | 106 S Wisconsin Ave, Casper, WY 82609, (307) 368-2297 |
A ZIP area much larger than the town
Almost all of Evansville, 95.1 percent of its land, sits in ZIP Code 82636, but the town covers only about 2.5 percent of that ZIP's land (U.S. Census Bureau, 2020 ZCTA-to-place relationship file). Figures for ZIP 82636 therefore describe a wider area than the town itself, and they are labelled that way below.
In 2023 the ZIP area held 122 employer establishments with 2,194 paid employees and an annual payroll of about $167.7 million (U.S. Census Bureau, ZIP Code Business Patterns 2023). Only 39.3 percent of those establishments had fewer than five employees, well below the Natrona County share of 55.0 percent (U.S. Census Bureau, County Business Patterns 2023). In other words, the employers counted in this ZIP tend to be larger than the county's typical small firm.
Who the employers are
| Sector | Establishments | Share with fewer than 5 employees |
|---|---|---|
| Wholesale trade | 15 | 33.3% |
| Retail trade | 15 | 26.7% |
| Accommodation and food services | 15 | 20.0% |
| Construction | 13 | 69.2% |
| Transportation and warehousing | 13 | 30.8% |
| Mining, quarrying, and oil and gas extraction | 9 | 0.0% |
| Manufacturing | 9 | 0.0% |
| Other services | 9 | 88.9% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023. Construction is the exception to the larger-employer pattern: most of its establishments in the ZIP area are small. Transportation, mining and oil and gas, utilities and manufacturing fall outside the four sectors our lending partners' coverage is confirmed for; if your business is in one of them, call and ask before sending documents.
Wholesalers and suppliers
Wholesale businesses usually carry two kinds of cash commitment at once: stock bought from manufacturers, and invoices owed by business customers on payment terms. Inventory financing addresses the first, with the goods as collateral. A line of credit addresses the second, letting the business draw while customers pay on their terms and repay when they do.
A partner reviewing a distributor typically looks at inventory turnover, the age of receivables and whether a few customers account for most sales. Have an aged receivables report and an inventory listing ready.
Shops and food service
Retail and food-service employers are as common as wholesalers in the ZIP area. For a shop, the question is usually stock; for a restaurant or other food business, equipment and uneven weeks. Kitchen equipment and point-of-sale systems fit equipment financing, and restaurant financing covers the sector in more depth. Card-heavy businesses may be offered a merchant cash advance; it is not a loan, so compare its total payback with loan options first.
Contractors
Thirteen construction establishments were counted in the ZIP area in 2023, nine of them with fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023). Small contractors most often need machinery and work vehicles financed, or cash to cover payroll and materials until a progress payment arrives. Contractor financing explains both.
What the data leaves out
The Census Bureau's survey estimate of self-employment for Evansville itself has a margin of error almost as large as the estimate, so we do not use it. ZIP business counts also exclude businesses with no employees. Your own bank statements and tax returns describe your business far better than any local statistic, and they are what a partner reviews.
Working with the Casper, WY office
Evansville owners usually start by phone at (307) 368-2297 or with the online form; documents go to the partner electronically when requested. The office address is 106 S Wisconsin Ave, Casper, WY 82609. County-wide figures and local advising contacts are on our Casper, WY page, and other nearby towns are listed together.
The Evansville, WY owners we usually hear from
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, and Graniteford Finance works with businesses like these in Evansville, WY. Each partner still decides case by case.
What to gather before you call
- Recent business bank statements (partners often ask for three to six months)
- Last year's filed tax return for the business
- An up-to-date P&L and balance sheet, even if you prepare them yourself
- Proof of ownership and business registration
- A list of existing business debts and payments
- For equipment, the seller's quote with make, model and price
Partners differ in what they request; this list covers the usual ground.
The steps after your first call
- 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.
- Once you agree, the request goes to partners that provide that type of funding. The credit decision belongs to each partner.
- 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.
Graniteford Finance is based at 106 S Wisconsin Ave, Casper, WY 82609.
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