Matthews, NC Small Business Loans: Local Facts and Options

ZIP 28105: the ZIP that mostly is Matthews, NC

ZIP 28105 had 1,589 employer establishments in 2023, with 21,636 employees and $1.09 billion in annual payroll; 57.3% had fewer than five employees (ZIP Code Business Patterns 2023).

Unlike many town ZIPs, this one lines up closely: 97.5% of Matthews, NC's land lies in ZIP 28105, and the town covers 71.8% of the ZIP's land (2020 ZCTA-place relationship file). The figures still include some businesses outside town limits.

Our arithmetic on those ZIP totals: roughly 13.6 employees for each establishment and about $50,421 of payroll for each employee.

ZIP 28105 employer counts by sector, Matthews, NC

Health care and social assistance leads with 223 establishments, then professional and technical services (211) and retail (192). Practices can finance equipment and build-outs; see the medical practice page for how those requests are read.

Matthews, NC self-employment split: own corporation or unincorporated

12.7% (+/- 2.1) of Matthews, NC's employed residents were self-employed: 5.0% (+/- 1.4) incorporated and 7.7% (+/- 1.6) unincorporated (ACS 2020-2024).

Practices and stores in ZIP 28105: what a request shows

Health care and retail together account for 415 of ZIP 28105's 1,589 employer establishments (our sum of two ZBP 2023 sector counts). The two read differently to a partner. A practice's revenue arrives through insurers and patients over weeks; a store's arrives at the register but is tied up in stock first.

For practices, the dental practice and chiropractic and therapy pages cover equipment and payroll requests. For stores, the retail page and inventory financing cover stock bought ahead.

Matthews, NC planning and zoning: what Monroe, NC owners compare

Planning and zoning in Matthews, NC sit with the town. Before a lease or a build-out, ask whether the use is allowed at the address and whether a site plan review applies.

Matthews, NC zoning department, explained for Mecklenburg County, NC owners

Matthews, NC is in Mecklenburg County, NC, not Union County, NC. Zoning questions for a Matthews address go to the town, not to Monroe, NC or Union County, NC offices.

Matthews, NC planning: where to look first

Planning reviews development proposals and rezoning requests. A use that needs approval adds time; build it into the funding schedule.

Matthews, NC zoning code: a quick orientation

The zoning code sets permitted uses by district. A medical or professional use in a retail district, for example, may need a check before signing.

Matthews, NC business license renewal: timing your funding around it

If the town requires a registration for your business type, renew it before a funding request so that the records match what a partner may check. Confirm requirements with the town.

Requests from Matthews, NC, step by step

A Matthews, NC owner calls (704) 937-1242 or sends the short form, names the expense and its timing, and the request is matched with funding partners that consider that kind of business. Practices may start with the equipment financing page or the line of credit page; stores with inventory financing.

Matthews, NC planning department: timing your funding around it

The planning department handles permits tied to the property. Requests from Matthews, NC go through the same phone line, (704) 937-1242, and form as in Monroe, NC. See the Monroe, NC data page and the areas served page.

Industries served in the Matthews, NC area

Partners review Matthews, NC enterprises in a broad mix of sectors, for example contractors and construction trades, restaurants and food service, medical and dental practices or retailers and wholesalers that carry stock. Every lending partner decides on its own terms, case by case.

Lender paperwork to have ready in Matthews, NC

• The most recent return filed for the company and, if requested, your personal return
• Year-to-date income and expense figures and a matching balance sheet
• A driver's license, state ID or passport for each owner listed on the request
• State filing records for the company and the EIN confirmation letter
• A rundown of existing financing and what each one costs per month
• The purchase order for the equipment with the model and total price

The exact paperwork differs between partners, so use this list as a guide.

Next steps after a form from Matthews, NC

1. Dial (704) 937-1242 or fill out the request form, noting what the money is for.
2. The request is then sent on to partners whose products match the purpose you described.
3. The reviewing partner reads the request and decides independently.
4. Before you sign anything, weigh the full cost and the terms; you decide whether to accept.

Employers in Matthews, NC can start and finish a request by phone or through the form.

By Oceanmead Business Loans · Updated October 20, 2026