North Lima, Ohio owners can reach Thistlepark Credit, a small-business funding broker in Youngstown, Ohio, by phone or online. ZIP 44452 had 144 employer establishments in 2023, with construction (27) and retail (22) leading (Census ZBP). North Lima is a census-designated place in Mahoning County. Each lending partner makes its own call and writes its own terms.
| County | Mahoning County, OH |
|---|---|
| Distance | 10.6 miles due south of N Phelps St |
| Place type | Census-designated place (unincorporated) |
| ZIP 44452 employers | 144 in 2023 (Census ZBP) |
| Largest sector in 44452 | Construction, 27 establishments |
| Paid employees in 44452 | 2,329 (Census ZBP 2023) |
A community without a city hall
North Lima is a census-designated place: the Census Bureau draws its boundary for statistics, but it is unincorporated, so it has no city government of its own. Business owners there deal with the local and county offices that cover their address.
ZIP 44452 in numbers
North Lima covers 48.9 percent of the land in ZIP 44452 (U.S. Census Bureau 2020 ZIP code relationship files). In 2023 the ZIP had 144 employer establishments with 2,329 paid employees and about $119.3 million in annual payroll; 40.3 percent of the establishments had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023).
| Sector | Employer establishments | Share under five employees |
|---|---|---|
| Construction | 27 | 40.7% |
| Retail trade | 22 | 40.9% |
| Accommodation and food services | 16 | 18.8% |
| Other services | 16 | 56.2% |
| Manufacturing | 13 | 46.2% |
| Administrative and support services | 10 | 30.0% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023. The contractors here are not overwhelmingly tiny: fewer than half had under five employees. The ZIP also had 13 manufacturing establishments.
Funding questions for contractors and makers
A contractor with a crew of five to twenty faces larger draws and larger gaps than a solo tradesperson. Payroll for a whole crew is due every week while a general contractor's payment can take much longer, and the equipment fleet is bigger. Contractor financing covers how partners review that kind of business, including backlog reports and receivables aging.
Manufacturing is outside the sectors our lending partners have confirmed, so we describe it here only as part of the local mix; a maker that also sells retail or wholesale may still fit the inventory and equipment structures on this site.
Shops and restaurants in ZIP 44452
Retail is the second-largest group in the ZIP, with 22 employer establishments, 40.9 percent of them under five employees. The 16 food-service establishments skew larger: only 18.8 percent had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023). A staffed restaurant usually finances kitchen and refrigeration equipment over its useful life and keeps payroll steady with short-term working capital, while a small shop's main question is how to pay for stock before it sells. Either way, the purpose of the money decides the structure, and the lending partner decides the terms.
Reaching us from North Lima, OH
The Thistlepark Credit address is north of North Lima, in Youngstown, OH. Call (330) 536-1635 or start online; nothing needs to be dropped off. County figures are on our Youngstown, OH page, and the communities we work with lists neighboring towns.
North Lima, OH sectors our partners fund
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 North Lima, OH business is something else, call and ask before you spend time on paperwork.
What to gather before you call
- The last three to six months of business bank statements
- Business and personal tax returns for the latest year
- Photo ID for every owner of the business
- Proof of ownership and business registration
- A simple schedule of current business debt and monthly payments
- For equipment, the seller's quote with make, model and price
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
- 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.
- Any offer comes from the partner. Read the total cost, the payment schedule and the terms before deciding; turning it down is always an option.
Thistlepark Credit is based at 32 N Phelps St, Youngstown, OH 44503.
By Thistlepark Credit · Updated
