Firspring Capital, a small-business funding broker in Sioux City, Iowa, works from 1916 Pierce St in ZIP 51104. Census data show 2,622 employer establishments in Woodbury County in 2023, nearly half with fewer than five employees, and 295 in ZIP 51104 alone. This page sets out those figures and the funding options and local checks that follow from them.
| Woodbury County employers | 2,622 establishments (CBP 2023) |
|---|---|
| Under five employees | 46.7% of county employers (CBP 2023) |
| No-payroll businesses | 6,418 in Woodbury County (NES 2024) |
| ZIP 51104 employers | 295 establishments (ZBP 2023) |
| Self-employed residents | 7.3% in Sioux City (ACS 2020-2024) |
Woodbury County, IA employers at a glance
Woodbury County had 2,622 employer establishments in 2023, with 46,810 paid employees and about $2.32 billion in annual payroll (U.S. Census Bureau, County Business Patterns 2023). Of those establishments, 1,225, or 46.7 percent, had fewer than five employees, and another 549 had five to nine. Only 24 had 250 or more.
The county also counted 6,418 businesses with no paid employees in 2024 (U.S. Census Bureau, Nonemployer Statistics 2024). That is a separate survey with a different year and industry coding, so it is not added to the employer count.
| Sector | Establishments | Paid employees | Annual payroll |
|---|---|---|---|
| Retail trade | 388 | 7,138 | $217.8 million |
| Health care and social assistance | 321 | 9,407 | $542.7 million |
| Other services | 294 | 1,632 | $54.4 million |
| Accommodation and food services | 265 | 5,172 | $109.0 million |
| Construction | 247 | 2,756 | $202.0 million |
Source: U.S. Census Bureau, County Business Patterns 2023 (NAICS 2017). Payroll rounded.
ZIP 51104, around Pierce Street
Our address is in ZIP 51104, which lies entirely inside Sioux City. The ZIP had 295 employer establishments in 2023, with 4,147 paid employees and about $200.2 million in annual payroll; 51.9 percent had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023).
Health care and social assistance led the ZIP with 83 establishments, followed by other services (32), accommodation and food services (27), and construction and retail trade with 24 each. Those figures are for ZIP 51104 only, not the whole city.
Self-employment in Sioux City, IA
In the 2020-2024 American Community Survey, 7.3 percent of employed Sioux City residents were self-employed (margin of error 1.1 points): 2.2 percent in their own incorporated business and 5.0 percent in an unincorporated one. The county rate was 8.5 percent and the statewide rate 10.2 percent. Unincorporated owners often apply under their own name, which partners treat differently from an LLC or corporation; how to get a business loan in Iowa covers that step.
Funding paths that match the local mix
- Clinics and care providers, the county's largest payroll, often need equipment financing for imaging, chairs and software.
- Retailers, the most numerous employers, often look at inventory financing and point-of-sale equipment.
- Restaurants and bars carry weekly payroll against daily sales, a classic case for working capital.
- Contractors buy materials before jobs pay, so lines of credit and equipment loans come up most.
All six options are compared on the comparison page, and the four sectors partners work with are on funding by sector.
Licenses, zoning and state records
Partners often check that a business is registered and operating where it says it is. Before you sign a lease or apply, see the Sioux City, IA license and zoning checklist for what to confirm with the city.
Help outside Firspring Capital
Owners here often search for the Siouxland Chamber of Commerce, the Siouxland Economic Development Corporation and the Northwest Iowa SBDC. We are not affiliated with any of them, and their services are their own to describe.
Nearby communities
Owners in Sergeant Bluff, Le Mars and other Iowa towns nearby reach us the same way; see every community we serve.
Reaching Firspring Capital
Address: 1916 Pierce St, Sioux City, IA 51104. Phone: (712) 206-3202. The contact page has both, and about Firspring Capital explains our role. Firspring Capital is a broker, not a lender.
Sioux City, IA 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 Sioux City, IA 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
- Your most recent business tax return
- An up-to-date P&L and balance sheet, even if you prepare them yourself
- A driver's license or passport for each owner
- Formation documents and your EIN
- For equipment, the seller's quote with make, model and price
Each lending partner sets its own list, so treat this as a starting point.
From first call to a partner's decision
- You call (712) 206-3202 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.
- If a partner makes an offer, you compare the total cost, payment schedule and terms. You are never obligated to accept.
Firspring Capital is based at 1916 Pierce St, Sioux City, IA 51104.
By Firspring Capital · Updated