Hubbard, Ohio owners can reach Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, by phone or online. ZIP 44425, of which the city covers about 13 percent, had 285 employer establishments in 2023, led by retail, other services and food service (Census ZBP). Lending partners, not Thistlepark Credit, make every credit decision.
| County | Trumbull County, OH |
|---|---|
| How far | 6.0 miles northeast of Youngstown, OH as the crow flies |
| ZIP 44425 employers | 285 in 2023 (Census ZBP) |
| Under five employees | 54.0% of ZIP 44425 employers |
| City share of ZIP land | 13.2% (2020 relationship files) |
| Largest sector in 44425 | Retail trade, 45 establishments |
Reading a ZIP that is mostly outside the city
Hubbard covers only 13.2 percent of the land in ZIP 44425 (U.S. Census Bureau 2020 ZIP code relationship files). Most of the postal area lies beyond the city limits, so the counts here describe Hubbard together with its surroundings. Hubbard is also in Trumbull County, so Mahoning County figures do not apply to it.
In 2023, ZIP 44425 had 285 employer establishments with 2,871 paid employees and about $120.9 million in annual payroll. More than half, 54.0 percent, had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023).
Big restaurants, small trades
| Sector | Employer establishments | Share under five employees |
|---|---|---|
| Retail trade | 45 | 33.3% |
| Other services | 37 | 48.6% |
| Accommodation and food services | 35 | 17.1% |
| Construction | 34 | 67.6% |
| Finance and insurance | 20 | 75.0% |
| Administrative and support services | 18 | 88.9% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023. Two patterns stand out. Food service establishments are mostly larger operations: only 17.1 percent had fewer than five employees. Construction, administrative support and professional services run the other way, with small shares of larger firms; in professional services, 88.2 percent of the 17 establishments had fewer than five employees.
What that means for funding
A restaurant with a sizable crew carries a payroll that does not shrink on a slow week, and kitchen equipment, coolers and point-of-sale systems are usually financed over their useful life. Restaurant financing sets out how partners look at food service.
A two- or three-person contractor or office-based firm has different questions: whether the owner's personal credit will carry the request, whether a small line of credit is better than a one-time loan, and how to show steady income when the books are simple. A partner will usually ask a firm that size for both business and personal records.
Local offices
Hubbard has its own city government, and most of the ZIP lies outside the city, so check which office covers your exact address before applying for a permit.
Reaching us from Hubbard, OH
Thistlepark Credit is based in Youngstown, OH, southwest of Hubbard. The first conversation happens by phone at (330) 536-1635 or through the online form. Our Youngstown, OH page covers the office city, and nearby Mahoning Valley towns are listed together.
Who Thistlepark Credit works with in Hubbard, OH
Thistlepark Credit works with Hubbard, OH 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.
What to gather before you call
- Business checking statements covering roughly the last quarter or two
- Last year's filed tax return for the business
- A year-to-date profit and loss statement and balance sheet
- Proof of ownership and business registration
- Details of any loans, leases or advances the business already carries
- 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.
What happens after you reach out
- You call (330) 536-1635 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.
- 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.
- When an offer arrives, weigh its full cost, how payments are scheduled and the conditions. Accepting is entirely your choice.
Thistlepark Credit is based at 32 N Phelps St, Youngstown, OH 44503.
By Thistlepark Credit · Updated
