Firleaf Lending Group, a small-business funding broker in Bowling Green, Kentucky, works with Scottsville, KY owners by phone and online. ZIP 42164, which contains Scottsville, had 238 employer establishments in 2023, led by retail trade with 49; 73.9 percent of its construction employers had fewer than five people (Census ZBP). Partners alone decide and set rates and terms.
| County | Allen County, KY |
|---|---|
| Distance | Roughly 21.2 straight-line miles southeast of Spring Alley |
| ZIP 42164 employers | 238 in 2023 (Census ZBP) |
| Construction under five employees | 73.9% (ZIP 42164) |
| Largest sector | Retail trade, 49 establishments |
Scottsville, KY in Allen County, KY
Scottsville is in Allen County, Kentucky. Allen County figures, not Warren County's, are the right comparison for a Scottsville business, and the ZIP figures below are narrower still.
ZIP 42164 in 2023
ZIP 42164 had 238 employer establishments in 2023, with 3,896 paid employees and about $170.1 million in annual payroll; 52.9 percent had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023). Scottsville is entirely inside the ZIP but covers only about 2.4 percent of its land, so these numbers describe the postal area.
| Sector | Establishments | Share under five employees |
|---|---|---|
| Retail trade | 49 | 36.7% |
| Construction | 23 | 73.9% |
| Health care and social assistance | 23 | 34.8% |
| Accommodation and food services | 23 | 34.8% |
| Other services | 21 | 85.7% |
| Professional, scientific and technical services | 16 | 68.8% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023.
Small crews and their equipment
Construction stands out. Of 23 construction employers in the ZIP, about three in four had fewer than five employees. A two- or three-person crew usually owns or finances its own machine and truck, and one large purchase can be the biggest financial decision of the year.
For that kind of purchase, equipment financing lets the machine secure the deal, and the term can be matched to its working life. Retailers, the ZIP's largest group, more often ask about stock or a credit line.
About the Scottsville, KY self-employment estimate
The ACS self-employment estimate for Scottsville residents carries a margin of error close to the estimate itself (U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates), so it is not quoted here. The business counts are more reliable for a town this size.
Local records for a Scottsville, KY business
Local license and tax records for a Scottsville business sit with Allen County and city offices, not Warren County's.
Reaching Firleaf from Scottsville, KY
Firleaf's only address is 436 Spring Alley, Bowling Green, KY 42101. Scottsville owners can work with us by phone at (270) 364-2504 and online. The Warren County snapshot has the office county's figures, and nearby towns we hear from lists the rest.
Scottsville, KY 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 Scottsville, KY business is something else, call and ask before you spend time on paperwork.
Documents to have ready
- The last three to six months of business bank statements
- Business and personal tax returns for the latest year
- An up-to-date P&L and balance sheet, even if you prepare them yourself
- Photo ID for every owner of the business
- 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. Our document guide explains each item.
How a request moves forward
- It starts with a call to (270) 364-2504 or the short contact form. On the phone we cover the purpose of the funds, time in business and approximate monthly revenue.
- You hear which options match the need and what a partner will likely want to review. We submit nothing without your approval.
- 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 address: 436 Spring Alley, Bowling Green, KY 42101.
By Firleaf Lending Group · Updated