Snowvale Business Capital, a small-business funding broker in Greeley, Colorado, works with businesses in Ault, a Weld County town 11.5 miles north of its office. The Ault ZIP code, 80610, held 104 employer establishments in 2023, led by construction, food service and retail. Snowvale introduces requests to lending partners, who decide and set terms.
| County | Weld County |
|---|---|
| Distance | About 11.5 miles north of 1823 9th St (straight line) |
| ZIP 80610 | 104 employer establishments, 926 employees (ZBP 2023) |
| Small employers | 61.5% with fewer than 5 employees |
| Largest sectors | Construction 18, accommodation and food 12, retail 10 |
A small town in a large ZIP code
All of Ault lies in ZIP 80610, but the town is only 1.0 percent of the ZIP's land (U.S. Census Bureau 2020 ZIP-to-place relationship file). Most of the ZIP's 104 employer establishments are likely outside town limits, so the figures below describe the Ault area rather than the town itself.
| Sector | Establishments | Share with fewer than 5 employees |
|---|---|---|
| All sectors | 104 | 61.5% |
| Construction | 18 | 50.0% |
| Accommodation and food services | 12 | 50.0% |
| Retail trade | 10 | 70.0% |
| Administrative and support services | 10 | 50.0% |
| Manufacturing | 9 | 44.4% |
| Health care and social assistance | 7 | 85.7% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023. Employers in the ZIP had 926 paid employees in March 2023.
Main-street businesses: food, shops and clinics
Food service and retail together make up 22 of the ZIP's employers. For a small restaurant or café, the common requests are a replacement cooler, range or hood, which equipment financing covers, and help through a month when sales fall short of wages and supplier bills. For a shop, it is usually stock bought ahead of a busy period, where a line of credit or inventory financing may fit. The restaurant page goes further.
Merchant cash advance offers: compare first
Businesses that take a lot of card payments are the ones most likely to be offered a merchant cash advance, often quickly and without being asked. A merchant cash advance is not a loan: the funder buys a share of future sales and collects it until a fixed total is remitted. Before accepting one, work out the total in dollars and compare it with a loan option over the same period. Our MCA page explains how.
Self-employment in Ault, CO
The Census Bureau estimates that 14.6 percent of Ault's employed residents are self-employed, but with a margin of error of 6.5 points (American Community Survey 2020-2024). The true figure could plausibly lie anywhere from about 8 to about 21 percent, so it should not be read as precise. What can be said is that self-employment is a real part of the area's economy, and the smallest businesses usually need the owner's own records as much as the business's.
Contractors around Ault, CO
Construction is still the largest sector in the ZIP, and half of those employers have fewer than five staff. Small crews usually ask about machines and trailers, or about carrying wages until a customer pays; the construction page covers both.
Working with us from Ault, CO
Call (970) 235-9991, send a request online, or write to 1823 9th St in Greeley. For local licensing, check with the Town of Ault. For county-wide figures and free advising, see our Greeley, CO page and the service-area overview.
Who Snowvale Business Capital works with in Ault, CO
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 Ault, CO business is something else, call and ask before you spend time on paperwork.
Documents to have ready
- Recent business bank statements (partners often ask for three to six months)
- Your most recent business tax return
- An up-to-date P&L and balance sheet, even if you prepare them yourself
- Photo ID for every owner of the business
- Your articles of organization or incorporation and the EIN letter
- A list of existing business debts and payments
No two partners ask for exactly the same file, so use this as a checklist rather than a rule.
From first call to a partner's decision
- Reach us at (970) 235-9991 or through the form. 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.
- 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 1823 9th St, Greeley, CO 80631.
By Snowvale Business Capital · Updated