Elmpark Capital Group is a small-business funding service at 4878 Palm Coast Pkwy SW, Palm Coast, Florida. This page gathers Census business counts for Flagler County, FL and ZIP 32137, compares bank, credit union and online lending, and points to the City of Palm Coast pages for business tax receipts, building permits and zoning.
At a glance
- Employer establishments, Flagler County, FL
2,698 (CBP 2023)
- Employer establishments, ZIP 32137
1,229 (ZBP 2023)
- Businesses without paid employees, county
15,113 (Nonemployer Statistics 2024)
- Self-employed residents, City of Palm Coast
12.9%, margin 1.7 points (ACS 2020-2024)
ZIP 32137 and Flagler County, FL in the Census Business Counts
ZIP Code Business Patterns counted 1,229 employer establishments with a ZIP 32137 address in 2023, with 9,479 paid employees and $417.6 million in annual payroll; 68.3% of them had fewer than five employees. ZIP 32137 is a mail area, not the city limits: the City of Palm Coast covers 69.9% of its land, and the city also reaches into other ZIPs.
| Sector | Establishments | Share under five employees |
|---|---|---|
| Construction | 158 | 75.3% |
| Health care and social assistance | 148 | 55.4% |
| Professional, scientific and technical services | 143 | 88.8% |
| Retail trade | 140 | 45.7% |
| Real estate and rental and leasing | 123 | 91.9% |
| Other services | 103 | 68.0% |
| Accommodation and food services | 96 | 28.1% |
County-wide, Flagler County, FL had 2,698 employer establishments in 2023 with $995.9 million in annual payroll (County Business Patterns). Construction led with 420 establishments, and health care and social assistance had the biggest payroll at $249.9 million.
Business Lending Near Palm Coast, FL: Banks, Credit Unions and Online Options
Owners comparing business lenders near Palm Coast, FL find three broad kinds, each with its own trade-offs:
- Banks: term loans, lines of credit and equipment loans, with a full credit review and, for many products, collateral and several years of returns.
- Credit unions: similar products for members, sometimes with membership rules tied to where you live or work.
- Online funders and equipment finance companies: working capital, lines, equipment loans and leases, and merchant cash advances, often reading bank statements more than tax returns.
Elmpark Capital Group places your request with funding partners, and the partner that reviews it decides. That can save calling several lenders one at a time, but it does not replace your own bank: if you already bank locally, ask there too and compare offers on total cost.
Palm Coast, FL Building Permits for a Shop Build-Out or Tenant Improvement
Interior build-outs, new signs, plumbing for a salon or a hood for a kitchen usually need a permit from the City of Palm Coast Building Division. The division’s building page explains the online permit process and inspections; contractors register before applying. A build-out loan and the permit timeline should be planned together.
The Palm Coast, FL permits and zoning guide goes through the steps for an owner planning a new location.
Palm Coast, FL Building Department Permit Portal and Contractor Search
Permit applications, plan revisions and inspection requests go through the city’s online portal, linked from the building page. The city also keeps a contractor and permit search, which an owner can use to confirm a contractor is registered before signing a build-out contract.
Health care offices planning a new exam room or operatory follow the same route; equipment that needs plumbing, electrical or venting work is part of the permitted scope.
The Palm Coast, FL Zoning Map and Rezoning Requests for a New Location
The City of Palm Coast Planning Division page links the zoning map, the future land use map and the checklists for rezoning, site plans, variances and special exceptions. Before signing a lease for a new location, check that the zoning allows the use; a change of use can add time and cost to a build-out.
Palm Coast, FL Business License Search: Checking a Business Tax Receipt
Palm Coast and Flagler County, FL issue local business tax receipts rather than a general business license. The city’s business tax receipt page explains its online application, and the Flagler County Tax Collector handles the county receipt. The business tax receipt guide covers application, renewal and search.
From County Sectors to the Elmpark Industry Pages
Health care is a big employer base here: ambulatory health care counted 226 employer establishments in Flagler County, FL in 2023 (CBP 2023), including 64 offices of physicians and 34 offices of dentists. Medical practice loans and salon business loans take two of the county’s lines of work in depth, and restaurant loans covers the 157 restaurant employers (83 full-service plus 74 limited-service, our arithmetic, CBP 2023).
Construction, retail and the trades follow in the industry overview, and working capital is the funding type this site leads with. For one-on-one business advising, the Florida SBDC Network lists its centers; ask the center about any fees.
Elmpark’s Listed Address and Phone in Palm Coast, FL
Elmpark Capital Group is listed at 4878 Palm Coast Pkwy SW, Palm Coast, FL 32137; phone (386) 309-8622. Requests are handled by phone and through the online form, and the areas served page covers Flagler Beach, FL, Bunnell, FL and the rest of the county. About Elmpark and the contact page have more.
Which Businesses Can Ask for Funding in Palm Coast, FL
Partners weigh requests from Palm Coast, FL firms in many different fields; common examples are contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock. The partner that receives a file reaches a decision by its own standards.
Documents to Collect for a Palm Coast, FL Request
- Statements for the business checking account, including the most recent one
- Your most recent filed business return plus any personal returns a partner asks for
- A year-to-date P&L and the latest balance sheet
- A valid driver's license or passport for anyone who holds an ownership stake
- Articles of incorporation or organization, and the EIN confirmation from the IRS
- If the money buys equipment, the dealer quote stating the equipment and what it costs
Requirements vary from one partner to the next, so plan on these items at minimum. The document guide breaks the list down item by item.
What Happens Once a Request Is in for Palm Coast, FL Owners
- Call (386) 309-8622 or fill in the form with a few words on the purpose.
- Your request is passed to partners that handle this type of funding.
- Each partner looks over the request, and only the partner makes the decision.
- Any offer deserves a close look at total cost, payments and conditions; turning it down is always fine.
Businesses in Palm Coast, FL can take every step by phone or through the form.
By Elmpark Capital Group · Updated