Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, serves Clear Lake, MN owners in Sherburne County by phone and online. ZIP 55319, which includes Clear Lake, had 102 employer establishments and 586 paid employees in 2023; 70.6 percent had fewer than five employees, and construction led. Lending partners decide every request.
| County | Sherburne County, MN |
|---|---|
| Distance | About 10.9 miles southeast of St. Cloud, MN |
| ZIP 55319 employers | 102 establishments (ZBP 2023) |
| Under five employees | 70.6% of ZIP 55319 employers |
| ZIP 55319 construction | 30 establishments, 80% under five staff |
ZIP 55319 in figures
ZIP 55319 had 102 employer establishments in 2023, with 586 paid employees and about $30.0 million in annual payroll (U.S. Census Bureau, ZIP Code Business Patterns 2023). Clear Lake itself covers only about 1.5 percent of the ZIP's land; most of the ZIP is the countryside around the town. These are ZIP figures, not town figures.
Clear Lake is in Sherburne County, so Stearns County data, the county the office is in, does not describe it.
A ZIP of small operators
| Sector | Establishments | Share under 5 employees |
|---|---|---|
| Construction | 30 | 80.0% |
| Other services | 13 | 76.9% |
| Retail trade | 8 | 50.0% |
| Real estate | 7 | 100.0% |
| Professional, scientific and technical services | 6 | 83.3% |
| Arts, entertainment and recreation | 6 | 66.7% |
| Manufacturing | 6 | 0.0% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023. Seventy percent of employers have fewer than five employees, and construction makes up nearly a third of the ZIP's employers. Repair shops and other service businesses are the next largest group.
Funding for very small businesses
A two- or three-person crew has different questions from a firm with a payroll department. The first purchase is often a machine or trailer, and equipment financing is usually the most direct route because the equipment secures the deal. The second is cash for a job that starts before it pays; working capital covers a defined gap, as long as you can name when the money comes back.
Small operators help their own case by keeping business and personal money in separate accounts, invoicing in the business's name and having a few months of clean statements ready. Partners read those first.
Repair shops and service businesses
After construction, the next largest group in ZIP 55319 was other services, 13 establishments in 2023, most of them with fewer than five employees (ZIP Code Business Patterns 2023). That category covers auto and equipment repair, personal services and similar trades. Their costs are uneven: a parts order one week, a tool replacement the next.
For costs like that, a structure you can draw on when a bill lands suits better than a lump sum. Ask on the call which structures fit a business with lumpy costs and steady customers.
Town and county records
Clear Lake and Sherburne County keep their own permit and property records. A partner financing a shop or yard improvement may ask for a lease or permit.
Working with us from Clear Lake, MN
Call (320) 208-9595 or leave your details in the short form, and the purpose comes up when we phone back. The office address is 515.5 W St Germain St, St. Cloud, MN 56301. Our St. Cloud, MN page covers the office city, and communities around St. Cloud, MN are listed on the hub.
Clear Lake, MN businesses we help
For Clear Lake, MN owners, Swiftstead Commercial Capital focuses on the sectors 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. Approval is never automatic for any sector.
Paperwork partners commonly ask for
- 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
- Your articles of organization or incorporation and the EIN letter
- 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.
What happens after you reach out
- You call (320) 208-9595 or send the short form (name, contact details and business name). When we speak, we ask what the money is for, how long you have been in business and roughly what the business brings in.
- You hear which options match the need and what a partner will likely want to review. We submit nothing without your approval.
- 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.
Our address: 515.5 W St Germain St, St Cloud, MN 56301.
By Swiftstead Commercial Capital · Updated