Census business counts for ZIP 27909 and Pasquotank County, NC are gathered here by Ferndale Lending, a funding service in Elizabeth City, North Carolina. This page gathers the ZIP 27909 and Pasquotank County, NC business counts from the Census Bureau, explains which lenders and funding partners serve the city, and lists what owners compare before a request. The city reaches into Camden County, NC, so county figures are labeled as county figures.
At a glance
- Employer establishments, ZIP 27909
910 (ZIP Code Business Patterns 2023)
- Self-employed residents, Elizabeth City, NC
10.9%, margin of error 3.6 points (ACS 2020-2024)
- Health care payroll, Pasquotank County, NC
$158.6 million, the largest of any sector (CBP 2023)
Health care, retail and kitchens: the ZIP 27909 sector mix in Elizabeth City, NC
ZIP Code Business Patterns counted 910 employer establishments with a ZIP 27909 address in 2023, with 11,085 employees and $493.7 million in annual payroll, about $44,540 per employee (our arithmetic). Of those ZIP 27909 employers, 46.6% ran with a staff under five. The ZIP is a mailing area, not the city limits: Elizabeth City covers only part of ZIP 27909's land, so these are ZIP figures.
| Sector | Establishments | Share under five employees |
|---|---|---|
| Retail Trade | 176 | 43.2% |
| Health Care and Social Assistance | 157 | 35.0% |
| Accommodation and Food Services | 104 | 23.1% |
| Other Services | 104 | 60.6% |
| Construction | 76 | 65.8% |
| Professional, Scientific and Technical Services | 66 | 72.7% |
Retail and health care lead the ZIP by count, with food service tied for third with other services at 104 each; those first three are the trades that retail funding, medical practice loans and restaurant loans cover.
Elizabeth City, NC across two counties: Pasquotank County, NC and Camden County, NC
Census geography places Elizabeth City in both Pasquotank County, NC and Camden County, NC. County figures on this site therefore describe Pasquotank County as a whole and are labeled that way. For that county, County Business Patterns counted 931 employer establishments in 2023 with $491.3 million in payroll; Health Care and Social Assistance had the largest payroll, $158.6 million, and Retail Trade the most establishments, 179.
Nonemployer Statistics, a separate program, counted 3,184 Pasquotank County businesses without paid employees in 2024, and the American Community Survey (2020-2024) puts 10.9% of employed Elizabeth City residents in their own business (margin of error 3.6 points): 3.8% in incorporated firms and 7.1% in unincorporated ones.
Business lenders and funding partners serving Elizabeth City, NC: banks, credit unions and online funders
Owners in Elizabeth City see three kinds of funder. Banks and credit unions offer term loans, lines of credit and equipment loans, with a full review of returns and credit. Online funders offer shorter schedules reviewed mostly on bank statements. Equipment finance companies and dealers finance specific machines. Merchant cash advance providers buy future card receipts, which is not lending.
Ferndale Lending is not one of those funders. It matches requests with funding partners, which review them and make their own decisions. Where an Elizabeth City, NC owner can get a small business loan compares the routes in more detail.
Elizabeth City, NC business loans: what local owners compare first on cost, schedule and security
- The total dollar cost across the whole term, fees included.
- How often payments are taken, and whether they move with sales.
- What secures the money: the item, business assets or a personal guarantee.
- Whether the payment fits the slowest month of the year.
Owners planning a build-out can check Elizabeth City zoning, flood zones and building permits before pricing the work, and kitchens can read the NC food service permit steps.
Finding business loans around Elizabeth City, NC for a repair bay or fuel stop
Pasquotank County, NC had 23 auto repair employers and 26 gasoline stations in 2023 (County Business Patterns). A repair bay tends to need parts money and lifts; a fuel stop needs dispensers, coolers and store stock. Equipment financing, a line of credit and the gas station page cover each need.
Ferndale Lending's address and phone line in Elizabeth City, NC
Ferndale Lending is listed at 209 S Poindexter St, Elizabeth City, NC 27909, phone (252) 318-8165. Requests come by phone or web form from the city and the towns around it; areas served lists them, the trade pages cover local trades and the guides cover permits.
Trades and Industries Partners Review Throughout Elizabeth City, NC
Lending partners look at Elizabeth City, NC companies across a wide range of trades; the mix includes contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock. Every lending partner judges each request against its own rules.
Records to Line Up for Elizabeth City, NC Companies
- Recent statements for the main business account showing deposits, withdrawals and balances
- A copy of the newest business return (a partner may want personal returns as well)
- Official photo ID covering each person who owns a share
- Proof of registration with the state, plus the IRS letter with the EIN
- An overview of outstanding obligations with the monthly payment for each
- A quote from the equipment vendor showing the model and the full price
What a partner requests depends on the partner, so take this list as a general guide.
How a Request Proceeds for Elizabeth City, NC Companies
- Reach the office at (252) 318-8165 or use the request form to say what the funds are for.
- From there the request goes to partners that offer financing for that purpose.
- A lending partner studies the file; the decision rests with the partner.
- Look at the total cost, the schedule and the conditions of any offer; you choose whether to go ahead.
Business owners in Elizabeth City, NC can complete the request by phone or online.
By Ferndale Lending ยท Updated