Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, serves St. Joseph, MN owners in Stearns County by phone and online. ZIP 56374, which includes St. Joseph, had 243 employer establishments, 2,991 paid employees and about $169.3 million in payroll in 2023, with construction the largest sector. Lending partners decide every request.
| County | Stearns County, MN |
|---|---|
| Distance | About 7 miles west of St. Cloud, MN |
| ZIP 56374 employers | 243 establishments (ZBP 2023) |
| ZIP 56374 construction | 51 establishments, 60.8% under five staff |
| Not to confuse with | St. Joseph, MO or St. Joseph, MI |
ZIP 56374 in figures
ZIP 56374 had 243 employer establishments in 2023, with 2,991 paid employees and about $169.3 million in annual payroll; 48.6 percent of establishments had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023). St. Joseph covers about 14 percent of the ZIP's land, so the figures include the surrounding townships too.
Contractors, makers and kitchens
| Sector | Establishments | Share under 5 employees |
|---|---|---|
| Construction | 51 | 60.8% |
| Retail trade | 24 | 25.0% |
| Food service and lodging | 22 | 13.6% |
| Manufacturing | 21 | 23.8% |
| Other services | 21 | 66.7% |
| Professional, scientific and technical services | 18 | 66.7% |
| Health care and social assistance | 17 | 29.4% |
| Wholesale trade | 14 | 35.7% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023. Construction firms make up about one in five employers in the ZIP, and most are small. Food service establishments here are larger: only 13.6 percent had fewer than five employees.
How the local mix shapes requests
Contractors in and around St. Joseph tend to ask about the same two things: a machine and the cash to carry a job until it pays. Contractor and construction financing covers both, with Stearns County trade figures. A business expanding into a larger shop or adding a second location may fit a business term loan better, since the space keeps earning long after the last installment.
Restaurants, with their larger staffs, usually ask about kitchen equipment and remodels. Manufacturers can call as well, though our partners have confirmed construction, restaurants, medical and dental practices, and retail.
Makers and wholesalers in ZIP 56374
Manufacturing had 21 employer establishments in ZIP 56374 in 2023 and wholesale trade 14, a larger share of the local mix than in many nearby ZIPs (ZIP Code Business Patterns 2023). Fewer than a quarter of those manufacturers had under five employees, so these are working shops with payrolls.
Wholesalers that carry stock fall within the retail and inventory businesses our partners have confirmed, and inventory financing or a credit line is the usual question. Manufacturers asking about production machinery should call; partners decide whether a request fits.
Permits and local records
Owners here often look up St. Joseph, MN building permits before a renovation, and the chamber of commerce for local contacts. Both are run locally, not by us.
Working with us from St. Joseph, 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. See the county employer profile on the city page and the surrounding communities.
Who Swiftstead Commercial Capital works with in St Joseph, MN
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 Swiftstead Commercial Capital works with businesses like these in St Joseph, MN. Each partner still decides case by case.
Paperwork partners commonly ask for
- Your most recent business tax return
- A year-to-date profit and loss statement and balance sheet
- Photo ID for every owner of the business
- Formation documents and your EIN
- A simple schedule of current business debt and monthly payments
- A written quote or invoice if the money is for equipment
Each lending partner sets its own list, so treat this as a starting point.
The steps after your first call
- 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.
- Once you agree, the request goes to partners that provide that type of funding. The credit decision belongs to each partner.
- When an offer arrives, weigh its full cost, how payments are scheduled and the conditions. Accepting is entirely your choice.
Our office is at 515.5 W St Germain St, St Cloud, MN 56301.
By Swiftstead Commercial Capital · Updated