Businesses in Johnson City, New York can send funding requests to Harborpark Funding Group. Figures on this page are for ZIP 13790 and for Johnson City residents, plus a labeled band of Broome County counts for context. This is Johnson City, NY, not Johnson City, TN.
At a glance
- Employer establishments, ZIP 13790
458 employer establishments with a ZIP 13790 address (ZBP 2023)
- Paid employees, ZIP 13790
9,599 paid employees at ZIP 13790 employers (ZBP 2023)
- Self-employed residents, Johnson City, NY
5.4%, margin 1.8 points, Johnson City, NY residents (ACS 2020-2024)
Johnson City, NY Businesses and the ZIP 13790 Establishment Count
ZIP 13790, the Johnson City, NY ZIP, had 458 employer establishments in 2023, with 9,599 paid employees and about $587.5 million in annual payroll (ZIP Business Patterns). Retail trade led its sectors with 98 employers, then health care and social assistance with 86, accommodation and food services with 56, other services with 51 and construction with 44.
All of Johnson City lies inside ZIP 13790, but the village covers only about 16.7% of the ZIP's land, so these are ZIP counts, not village counts. Small employers make up a large part of the ZIP: 196 of the 458 establishments, 42.8%, had under five people on payroll. Among Johnson City residents, 5.4% of employed people were self-employed (margin 1.8 points, ACS 2020-2024).
Johnson City, NY Commercial Real Estate: Buying, Leasing or Upfitting a Storefront
Buying a storefront building in Johnson City, NY is a real estate purchase, and commercial real estate loans are not arranged through this site. Leasing and upfitting one is a different matter. A shop, clinic or restaurant moving into a leased space can fund the build-out with a term loan and the equipment with equipment financing.
Johnson City is an incorporated village, so zoning and building questions for an address inside it go to the village, not to the City of Binghamton. Confirm with the village which reviews and permits a change of use needs before signing a lease.
Johnson City, NY, Not Johnson City, TN: Why the State Matters on Every Page
Johnson City, TN is a separate city in another state, and its figures and rules have nothing to do with this page. Figures here are labeled Johnson City, NY, ZIP 13790 or Broome County, NY. A search for Johnson City business loans should carry the state for the same reason.
Johnson City, NY Requests and the Binghamton, NY Office 3.2 Miles Away
The Harborpark office in downtown Binghamton, NY is about 3.2 miles from Johnson City, straight-line. Requests from the village go through the same steps as any other: a call to (607) 213-8439 or the form, a conversation about the cost, and a review by a funding partner, which makes its own decision.
Retail and health care led the ZIP's employer counts, so the retail page and the medical practice page are useful next stops, along with the communities page.
Funding Types Johnson City, NY Shops and Clinics Weigh
A Johnson City, NY clothing or gift shop buying for a season often looks at an inventory loan or a line of credit, sized to the order and repaid as the stock sells. A clinic adding an exam room or an ultrasound unit looks at equipment financing, with the unit itself as collateral, and a term loan for the room build-out.
A restaurant on a village block might pair an oven loan with a short working capital loan for the weeks a remodel keeps it closed. In each case the funding partner reads the bank statements and tax returns and sets the terms; the owner compares offers on total cost and decides.
Fields of Business Partners Review All Around Johnson City, NY
The partner network reviews Johnson City, NY employers in most sectors, among them contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock. The partner handling a file settles each request on its own policy.
Statements and Records to Collect for Johnson City, NY Business Owners
- Business account statements with no pages left out
- The business's latest filed tax return, with personal returns ready in case a partner asks
- A profit and loss statement for the year to date, paired with a recent balance sheet
- Formation records from the state, with the IRS letter that assigned the EIN
- A summary of the debts the business carries, with the lender and monthly amount of each
- For equipment, the quote from the seller that gives the model and the price
Each partner decides which papers it needs, so read this list as a common starting set. Our separate document guide explains what each paper shows a partner.
What Follows a Request for Owners Around Johnson City, NY
- Phone the office at (607) 213-8439 or send the form and name what the money will pay for.
- The request is then shared with partners that fund that kind of purpose.
- A partner looks at the request; the partner alone decides.
- If an offer arrives, check the total cost, the payments and the terms; going ahead is up to you.
Owners across Johnson City, NY can do the whole request by phone or online.
By Harborpark Funding Group ยท Updated