Palmbrook Funding, a small-business funding broker in Rapid City, South Dakota, works with Hill City owners in Pennington County by phone and online. ZIP 57745 had 126 employer establishments in 2023 (Census ZBP), led by accommodation and food services (33) and retail (28). Lending partners make credit decisions and set rates and terms.
| County | Pennington County, SD |
|---|---|
| Distance | About 19.9 miles west-southwest of Rapid City, SD |
| ZIP 57745 employers | 126 in 2023 (Census ZBP) |
| Food service and lodging | 33 employers, the largest sector |
| Retail | 28 employers |
Hill City, SD and Pennington County, SD
Hill City, SD is in Pennington County, the same county as Rapid City, SD, so county figures apply as wider context. The town covers only 0.3 percent of ZIP 57745's land, while all of the town lies within it; the ZIP figures below therefore include many businesses outside town limits.
ZIP 57745 employer profile
ZIP 57745 had 126 employer establishments in 2023, with 595 employees and about $26.0 million in annual payroll; 70.6 percent had fewer than five employees.
| Sector | Establishments | Share under 5 employees |
|---|---|---|
| Accommodation and food services | 33 | 60.6% |
| Retail trade | 28 | 53.6% |
| Construction | 19 | 78.9% |
| Real estate and rental and leasing | 9 | 100% |
| Other services | 8 | 87.5% |
| Finance and insurance | 5 | 100% |
| Professional, scientific and technical services | 5 | 100% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023.
Kitchens, shelves and the funding that fits
Sixty-one of the ZIP's 126 employers are in food service, lodging or retail. Their funding questions follow the assets: a range, hood or walk-in cooler points to equipment financing with the unit as collateral; stock bought ahead of sales points to inventory financing or a credit line. Card-heavy businesses are also the ones most often offered merchant cash advances, which are not loans and are priced with a factor rate; total the remittance before agreeing.
Across Pennington County there were 298 food service and drinking places with employees in 2023 (U.S. Census Bureau, County Business Patterns 2023). The county's employer mix shows where Hill City's businesses fit within it.
Contractors and small offices in ZIP 57745
Construction was the ZIP's third-largest sector, with 19 employers, 78.9 percent of them under five people. Real estate, finance and professional-services firms, nine, five and five employers respectively, were all under five people in 2023 (U.S. Census Bureau, ZIP Code Business Patterns 2023). Small offices like these usually need equipment or a modest fit-out rather than large sums.
Before calling from Hill City, SD
- Have a supplier or dealer quote for any equipment.
- Know your average monthly card and bank deposits.
- List any existing advances or loans and what they collect each day or month.
From Hill City, SD to St Joseph St
Call (605) 443-7379 or send the short online request. Hill City, SD is roughly 20 straight-line miles from Rapid City, SD, where Palmbrook Funding is at 510 1/2 St Joseph St. All areas served are on one page.
Hill City, SD businesses we help
For Hill City, SD owners, Palmbrook Funding 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.
What to gather before you call
- The last three to six months of business bank statements
- Your most recent business tax return
- Current financial statements: profit and loss plus a balance sheet
- A driver's license or passport for each owner
- Formation documents and your EIN
- A list of existing business debts and payments
Each lending partner sets its own list, so treat this as a starting point.
From first call to a partner's decision
- Reach us at (605) 443-7379 or through the contact form. When we call back, the first questions are simple: what the funding is for, how long the business has operated and its rough revenue.
- We explain which funding types fit that use and what partners usually need to see. Nothing is submitted without your go-ahead.
- With your permission, we take the request to lending partners that offer that kind of funding. Each partner reviews it and makes its own credit decision.
- When an offer arrives, weigh its full cost, how payments are scheduled and the conditions. Accepting is entirely your choice.
Palmbrook Funding is based at 510 1/2 St Joseph St, Rapid City, SD 57701.
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