Starway Business Loans, a small-business funding broker in Valdosta, GA, works with owners in Adel, GA, in Cook County, by phone and online. ZIP 31620, which includes Adel, had 271 employer establishments and 3,011 paid employees in 2023, led by retail and health care. Cook County is outside Lowndes County. Terms and decisions come from lending partners.
| County | Cook County, GA |
|---|---|
| Distance | About 22.1 miles NNW of 122 McKey St |
| ZIP 31620 employers | 271 in 2023 (Census ZBP) |
| Annual payroll in the ZIP | $127.8 million |
| Largest sectors in the ZIP | Retail (58), health care (36), food service (31) |
Cook County, GA and ZIP 31620
Adel is in Cook County, GA, not Lowndes County. The city lies entirely within ZIP 31620 and covers 7.2 percent of its land, a larger share than the other towns on this site (U.S. Census Bureau, 2020 ZCTA-to-place relationship file). Even so, the figures below describe the whole ZIP.
ZIP 31620 businesses in 2023
| Sector | Establishments | Share under 5 employees |
|---|---|---|
| Retail trade | 58 | 55.2% |
| Health care and social assistance | 36 | 55.6% |
| Accommodation and food services | 31 | 29.0% |
| Manufacturing | 26 | 15.4% |
| Construction | 23 | 30.4% |
| Finance and insurance | 20 | 60.0% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023. The ZIP had 271 employer establishments, 3,011 paid employees and $127.8 million in annual payroll. Just under half of the establishments (49.8 percent) had fewer than five employees.
Retail and practices lead
Retail is the largest group in ZIP 31620, with 58 establishments, and health care is second with 36. Construction firms here are larger than in the smaller town ZIPs: fewer than a third had under five employees. The ZIP's mix supports the same funding conversations we have in Valdosta: stock for stores, equipment for practices and kitchens, and cash for payroll gaps.
How ZIP 31620 compares with Lowndes County, GA
Retail made up about 21 percent of the ZIP's employer establishments (58 of 271) against about 18 percent in Lowndes County. Manufacturing stands out more: about 10 percent of the ZIP's establishments (26 of 271) against about 3 percent of the county's (90 of 2,872), and most of those plants are not small: only 15.4 percent had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023; U.S. Census Bureau, County Business Patterns 2023).
Manufacturing is not one of the sectors our partners fund, so it appears here only as context. The funding conversations in Adel, GA are about the retailers, practices, restaurants and contractors listed above.
What retailers and practices should prepare
- For stock: recent sales history, supplier quotes and how long stock usually sits before it sells.
- For a practice: the equipment quote, the space plan and how long new patients take to build up.
- For any request: recent bank statements and records that match the business name across documents.
- A clear statement of what the money pays for and how it comes back.
Funding that tends to fit
- Stock ahead of sales. Retailers can look at inventory financing, usually secured by the goods.
- A larger space or a second location. One-time projects usually point to a business term loan.
- Clinical and kitchen equipment. Usually financed against the equipment itself.
Agriculture funding is outside what we arrange. Every request is decided by a lending partner.
Adel, GA paperwork
Partners compare names, addresses and license dates across documents. Keep Cook County and city records in step with your bank account.
Reaching us from Adel, GA
Valdosta, GA lies about 22 miles south-southeast; the street address there is 122 McKey St. Start with a call or the short form. Census figures for Lowndes County cover the office's county, and the communities we work with lists the other towns.
Adel, GA businesses we help
For Adel, GA owners, Starway Business Loans focuses on the sectors our lending partners have confirmed they fund: contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock. Approval is never automatic for any sector.
Paperwork partners commonly ask for
- Business checking statements covering roughly the last quarter or two
- 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
- Your articles of organization or incorporation and the EIN letter
- A simple schedule of current business debt and monthly payments
Each lending partner sets its own list, so treat this as a starting point.
What happens after you reach out
- It starts with a call to (229) 210-0892 or the short contact form. On the phone we cover the purpose of the funds, time in business and approximate monthly revenue.
- We explain which funding types fit that use and what partners usually need to see. Nothing is submitted without your go-ahead.
- With your permission, we take the request to lending partners that offer that kind of funding. Each partner reviews it and makes its own credit decision.
- When an offer arrives, weigh its full cost, how payments are scheduled and the conditions. Accepting is entirely your choice.
Our office is at 122 McKey St, Valdosta, GA 31601.
By Starway Business Loans · Updated
