Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, serves Sartell, MN owners by phone and online. ZIP 56377, which includes most of Sartell, had 367 employer establishments, 5,389 paid employees and about $309.4 million in payroll in 2023. Health care and professional services lead. Lending partners decide every request.
| Counties | Benton County and Stearns County, MN |
|---|---|
| Distance | About 4.7 miles north-northwest of St. Cloud, MN |
| ZIP 56377 employers | 367 establishments (ZBP 2023) |
| ZIP 56377 health care | 82 establishments (ZBP 2023) |
| Self-employed residents | 5.7% in Sartell (ACS 2020-2024) |
ZIP 56377 in figures
ZIP 56377, the Sartell postal ZIP, had 367 employer establishments in 2023, with 5,389 paid employees and about $309.4 million in annual payroll; 52.6 percent of establishments had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023). Sartell covers about 42 percent of the ZIP's land, so the figures describe Sartell and some surrounding area.
Because Sartell spans two counties, county-level figures do not describe it, and none are used on this page.
Health care and professional firms lead
| Sector | Establishments | Share under 5 employees |
|---|---|---|
| Health care and social assistance | 82 | 32.9% |
| Professional, scientific and technical services | 41 | 68.3% |
| Retail trade | 40 | 50.0% |
| Construction | 39 | 76.9% |
| Finance and insurance | 34 | 61.8% |
| Other services | 27 | 48.1% |
| Food service and lodging | 23 | 21.7% |
| Real estate | 20 | 85.0% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023. The mix leans toward office-based businesses: practices, professional firms and financial services. Construction firms are fewer than in Sauk Rapids, but more than three in four are under five people.
Self-employment in Sartell, MN
In the 2020-2024 American Community Survey, 5.7 percent of employed Sartell residents were self-employed (margin of error 1.9 points), 1.4 percent incorporated and 4.3 percent unincorporated.
What practices and professional firms ask about
A clinic or dental office financing a chair, imaging or a sterilization unit usually fits medical and dental practice financing, where the equipment secures the deal. A professional firm that bills monthly or at project milestones often carries weeks of unpaid invoices; a business line of credit covers wages and rent while those invoices are outstanding, and is paid down as they clear.
Partners will want to see how revenue arrives: insurance reimbursements, retainers, milestone billings. Bring a few months of statements that show the pattern.
Professional firms and billing cycles
Two in three professional, scientific and technical firms in ZIP 56377 had fewer than five employees in 2023 (ZIP Code Business Patterns 2023): small engineering, design, accounting and consulting offices. Their revenue arrives on invoices, retainers or project milestones, and their biggest cost is salaries. A firm that bills monthly in arrears can carry six weeks of wages before the first payment lands.
Before asking for a credit line, list the last six months of invoices with the date each was sent and the date it was paid. The average gap, and the longest one, tell a partner more than any projection.
City and county records
Sartell keeps its own permit records, and properties may fall under Benton or Stearns County depending on the address. Check which county a site is in before you sign a lease or order a build-out.
Working with us from Sartell, MN
Call (320) 208-9595 or use the short form; we ask about the purpose when we call. The office address is 515.5 W St Germain St, St. Cloud, MN 56301. See the office city page or the wider service area.
Sartell, MN businesses we help
Swiftstead Commercial Capital works with Sartell, MN businesses in four sectors our partners have confirmed: contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock. Being in one of them does not decide the outcome; the partner does.
Paperwork partners commonly ask for
- The last three to six months of business bank statements
- Last year's filed tax return for the business
- An up-to-date P&L and balance sheet, even if you prepare them yourself
- Photo ID for every owner of the business
- Proof of ownership and business registration
- A list of existing business debts and payments
Each lending partner sets its own list, so treat this as a starting point.
The steps after your first call
- It starts with a call to (320) 208-9595 or the short contact form. On the phone we cover the purpose of the funds, time in business and approximate monthly revenue.
- 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.
- If a partner makes an offer, you compare the total cost, payment schedule and terms. You are never obligated to accept.
Our office is at 515.5 W St Germain St, St Cloud, MN 56301.
By Swiftstead Commercial Capital · Updated