Starway Business Loans, a small-business funding broker in Valdosta, GA, works with owners in Hahira, GA by phone and online. ZIP 31632, which includes Hahira, had 181 employer establishments in 2023; construction led with 32, and 67.4 percent of establishments had fewer than five employees. A lending partner makes each credit decision and sets its own terms.
| County | Lowndes County, GA |
|---|---|
| Distance | About 12.6 miles NNW of 122 McKey St |
| ZIP 31632 employers | 181 in 2023 (Census ZBP) |
| Under five employees | 67.4% of establishments |
| Largest sector in the ZIP | Construction, 32 establishments |
Where ZIP 31632 begins and ends
Hahira's land lies entirely inside ZIP 31632, but the town covers only 2.4 percent of the ZIP (U.S. Census Bureau, 2020 ZCTA-to-place relationship file). The ZIP also takes in part of the city of Cecil, which is in Cook County, GA. The numbers below are for the whole ZIP.
ZIP 31632 businesses in 2023
| Sector | Establishments | Share under 5 employees |
|---|---|---|
| Construction | 32 | 53.1% |
| Health care and social assistance | 26 | 69.2% |
| Retail trade | 21 | 42.9% |
| Other services | 19 | 63.2% |
| Professional, scientific and technical services | 16 | 81.2% |
| Accommodation and food services | 13 | 53.8% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023. In total the ZIP had 181 employer establishments, 1,396 paid employees and $61.7 million in annual payroll.
Many very small firms
Two-thirds of the ZIP's employer establishments (67.4 percent) had fewer than five employees, a higher share than the Lowndes County figure of 51.4 percent. Construction leads the count, and health care follows. A small contracting crew or a two-chair practice feels a late payment much sooner than a large firm does.
How ZIP 31632 compares with Lowndes County, GA
Construction is more than twice as prominent here as in the county. Construction firms were about 18 percent of the ZIP's employer establishments (32 of 181) but about 8 percent county-wide (227 of 2,872). Health care was roughly in line, at about 14 percent of the ZIP against 16 percent of the county (U.S. Census Bureau, ZIP Code Business Patterns 2023; U.S. Census Bureau, County Business Patterns 2023).
The ZIP's 1,396 employees across 181 establishments also works out to fewer than eight per establishment, about half the ratio in ZIP 31636 around Lake Park. Small crews, specialty trades and owner-run practices are the norm.
Before a contractor calls
- The contract or purchase order the money supports, and its payment schedule.
- How many weeks typically pass between paying the crew and receiving payment.
- Any retainage held back until the job is finished.
- Recent bank statements, and quotes for any equipment involved.
Those four items let us tell early on whether the gap looks like a working capital question, a credit line question or something else.
Funding that tends to fit
- Gaps between paying a crew and getting paid. Contractors waiting on draws or pay applications often look at working capital financing or a credit line.
- Recurring materials purchases. A revolving line lets a contractor draw for each job and repay when paid.
- Trucks, trailers and compact machines. Usually financed as equipment, secured by the asset. We do not handle trucking or freight-hauling requests.
A lending partner reviews each request and decides; nobody can promise a result in advance.
Hahira, GA paperwork
Contractors are often asked for current local licensing and proof of insurance when a partner reviews a file.
Reaching us from Hahira, GA
Valdosta, GA is about 13 miles south, and the street address is 122 McKey St. A call is the usual start; the short form works too. The Lowndes County picture covers the county as a whole, and every area served lists the other towns.
Hahira, GA 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 Hahira, GA business is something else, call and ask before you spend time on paperwork.
What to gather before you call
- The last three to six months of business bank statements
- Last year's filed tax return for the business
- An up-to-date P&L and balance sheet, even if you prepare them yourself
- Formation documents and your EIN
- A list of existing business debts and payments
- A written quote or invoice if the money is for equipment
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 (229) 210-0892 or send the short form (name, contact details and business name). When we speak, we ask what the money is for, how long you have been in business and roughly what the business brings in.
- We walk through the funding types that suit that purpose and the paperwork partners tend to ask for. Nothing goes out until you say so.
- 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.
Starway Business Loans is based at 122 McKey St, Valdosta, GA 31601.
By Starway Business Loans · Updated
