Ironport Capital Group, a small-business funding service in Logan, Utah, works by phone and online with Providence, UT owners on working capital, equipment, credit lines and term loans. ZIP 84332, which Providence almost fills, had 341 employer establishments in 2023, with professional and health offices tied for the lead.
| Distance | About 3 miles south-southeast of Logan, UT (straight line) |
|---|---|
| County | Cache County, UT |
| Employer sites with a ZIP 84332 address | 341 employer sites (ZBP, 2023) |
| Providence share of ZIP 84332 land | 94.9% (2020 Census relationship file) |
Providence, UT businesses in the ZIP counts
Providence covers 94.9% of the land in ZCTA 84332, and 97.2% of the city's land sits in that ZIP, according to the 2020 Census relationship file. That makes ZIP 84332 an unusually close stand-in for the town. In 2023 the ZIP had 341 employer establishments with 2,206 employees and about $90.1 million in annual payroll, and 70.1% of the establishments had fewer than five employees.
| Sector | Establishments | Share with fewer than five on payroll |
|---|---|---|
| Professional, scientific and technical services | 61 | 80.3% |
| Health care and social assistance | 61 | 50.8% |
| Construction | 55 | 70.9% |
| NAICS 53: real estate, rental, leasing | 37 | 100.0% |
| Retail trade | 31 | 61.3% |
| Finance and insurance | 19 | 63.2% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023.
Working for themselves: Providence, UT's self-employed
The ACS estimates 13.9% (+/- 4.8) of Providence's employed residents were self-employed in 2020-2024, against 9.1% (+/- 0.8) for Cache County. The margin is wide, but the estimate sits above the county's. Of that 13.9%, an estimated 7.6% ran incorporated businesses and 6.3% unincorporated ones. Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, table B24080.
What Providence, UT offices tend to fund
A ZIP with as many health offices as professional firms points to two different cash patterns. Clinics wait on insurance payments and buy equipment that lasts years; professional firms carry payroll against fees billed monthly or at project milestones. Practices will find the chiropractic, PT and optometry page and the medical practice page most useful, while firms billing by the project usually start with working capital or a line of credit.
Milestone billing in a Providence, UT professional firm
Engineering, design, consulting and accounting offices often bill when a phase is finished, not when the hours are worked. A firm with four staff and a three-month project can carry three payrolls before the first invoice goes out. The documents that make that gap easy to read are the signed engagement letter, the billing schedule and the aging report of open invoices.
For a one-off gap tied to a single engagement, a short working capital loan matches the timing. For a firm that runs several projects at once with invoices landing at different times, a revolving line is usually simpler, because each draw can be repaid as each client pays. Neither choice is made by Ironport; partners review the firm's records and set any terms.
ZIP 84332 employers by headcount
Of the 341 employer establishments with a ZIP 84332 address in 2023, 239 had fewer than five employees, 35 had five to nine, 45 had 10 to 19, 15 had 20 to 49 and five had 50 to 99 (ZBP). Almost the whole ZIP is Providence: the city covers 94.9% of ZCTA 84332's land in the 2020 relationship file, the closest ZIP-to-city match among the towns with pages on this site.
Our arithmetic on the ZIP's payroll, $90,071,000 across 2,206 employees, gives about $40,800 per employee. Firms planning a hire can set that ZIP average beside their own wage plans when writing a projection.
Sending an Ironport request from Providence, UT
Call (435) 264-5410, or fill in the Ironport request online. The steps are the same as for a Logan, UT business, and county-level data is on the Logan, UT page. Other valley towns are listed on the Cache Valley areas page.
Who Ironport Capital Group works with in Providence, UT
Owners in Providence, UT come from many trades and services, such as contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock. Partners review each request on its own merits.
Paperwork partners commonly ask for
- Business checking statements covering roughly the last quarter or two
- Business and personal tax returns for the latest year
- A year-to-date profit and loss statement and balance sheet
- Photo ID for every owner of the business
- Formation documents and your EIN
- 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.
How a request moves forward
- You call (435) 264-5410 or send the short request form. When we speak, we go over what the money is for, how long you have been in business and roughly what the business brings in.
- You hear which options match the need and what a partner will likely want to review. We submit nothing without your approval.
- Once you agree, the request goes to partners that provide that type of funding. The credit decision belongs to each partner.
- If a partner makes an offer, you compare the total cost, payment schedule and terms. You are never obligated to accept.
Owners in Providence, UT can start by phone or with the short online form; no office visit is needed.