Slatebend Business Capital, a small-business funding broker in Cleveland, Tennessee, works with Dayton, TN owners in Rhea County by phone and online. Retail, with 78, led the 396 employer establishments counted in ZIP 37321 in 2023 (Census ZBP). Each rate and term comes from the lending partner reviewing the request.
| County | Rhea County, TN |
|---|---|
| Distance | About 24 miles NNW of Inman St W |
| ZIP 37321 employers | 396 in 2023 (Census ZBP) |
| Under five employees | 46.7% of ZIP 37321 employers |
| ZIP payroll | About $323.5 million (2023) |
Dayton, TN in Rhea County, TN
Dayton is an incorporated city in Rhea County, Tennessee, and the Bradley County figures elsewhere on this site do not describe it. The city covers about 6.8 percent of ZIP 37321's land (Census 2020 ZCTA-to-place relationship file, U.S. Census Bureau), so the counts below include the surrounding area.
ZIP 37321 by the numbers
For 2023 the Census lists 396 employer establishments here, 8,089 employees and about $323.5 million in yearly payroll; 46.7 percent of the employers had under five staff (U.S. Census Bureau, ZIP Code Business Patterns 2023).
| Sector | Employer establishments | Share under five employees |
|---|---|---|
| Retail trade | 78 | 41.0% |
| Health care and social assistance | 53 | 22.6% |
| Accommodation and food services | 53 | 28.3% |
| Other services | 38 | 57.9% |
| Finance and insurance | 35 | 54.3% |
| Construction | 22 | 72.7% |
Three sectors, three kinds of request
Retailers ask about stock and fixtures. Health care employers, most of them with five or more staff, ask about equipment and the gap while claims pay. Food-service businesses ask about kitchens and the weeks when sales dip. Each points to a different structure: inventory financing, equipment financing or a working capital loan.
Larger employers in ZIP 37321
Fewer than one in four health care employers in the ZIP, 22.6 percent, had under five employees, which points to established practices and facilities rather than one-person offices. Businesses of that size often need funding for upgrades and expansions, and partners review them on financial statements and tax returns rather than bank statements alone.
Before calling from Dayton, TN
A practice should have its latest financial statements and the equipment or fit-out quote. A store should bring sales by month and its current stock level. A restaurant should know its average weekly deposits and which piece of kitchen equipment is failing. In each case the partner's question is the same: what is the money for, and where does repayment come from?
Requests From Dayton, TN to Inman St W
The office is about 24 miles south-southeast at 427 Inman St W, Cleveland, TN. Requests from Rhea County, TN start with a call to (423) 407-5038 or the online form, and nothing about the process requires a trip. Our Cleveland, TN page describes Bradley County, and the service-area hub lists the other towns we work with.
Dayton, TN businesses we help
Our partners have confirmed appetite for four kinds of business: contractors and construction trades, restaurants and food service, medical and dental practices, and retailers and wholesalers that carry stock. If your Dayton, TN business is something else, call and ask before you spend time on paperwork.
Documents to have ready
- Business checking statements covering roughly the last quarter or two
- Business and personal tax returns for the latest year
- A year-to-date profit and loss statement and balance sheet
- Photo ID for every owner of the business
- A simple schedule of current business debt and monthly payments
- The equipment quote, contract or purchase order the funding is for
No two partners ask for exactly the same file, so use this as a checklist rather than a rule.
The steps after your first call
- It starts with a call to (423) 407-5038 or the short contact form. On the phone we cover the purpose of the funds, time in business and approximate monthly revenue.
- 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 office is at 427 Inman St W, Cleveland, TN 37311.
By Slatebend Business Capital · Updated
