Orchardpeak Business Funding, a small-business funding service in Stillwater, OK, gathers Census Bureau counts for Payne County, OK and the city's main ZIP Code: employer and nonemployer businesses, sector mix, self-employment and building permits. The page links each large sector to its funding page and lists local records partners may check.
| County employer establishments (2023) | 1,826 |
|---|---|
| Under five employees | 50.5% |
| County nonemployer businesses (2024) | 5,906 |
| New homes permitted, county (2025) | 217 |
Stillwater, OK businesses in the county count
Payne County, OK had 1,826 employer establishments in 2023 (U.S. Census Bureau, County Business Patterns 2023). Size bands show how small most of them are: 923 had one to four employees, 371 had five to nine, 279 had ten to nineteen and 174 had twenty to forty-nine. Larger bands are much thinner, and the two largest bands are withheld in the published table, so they are not summed here.
Separately, 5,906 businesses filed receipts with no paid employees in 2024 (U.S. Census Bureau, Nonemployer Statistics 2024). The largest nonemployer groups were professional, scientific and technical services (846), real estate and rental and leasing (658), transportation and warehousing (631) and construction (589). Employer and nonemployer counts come from different programs and years and are not added together.
What the city's main ZIP Code holds
ZIP 74074, the ZIP that includes much of the city, counted 891 employer establishments in 2023, and 51.9% of them had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023). Retail trade led with 141 locations, followed by health care and social assistance (120), accommodation and food services (115), professional, scientific and technical services (91) and other services (85).
A ZIP Code is not the city. By the U.S. Census Bureau, 2020 ZCTA-to-place relationship file, the City of Stillwater covers about 11.1% of ZIP 74074's land, so a 74074 mailing address can sit outside city limits. That matters when a partner, a landlord or a permit office asks which jurisdiction a business is in.
Stillwater, OK businesses by sector, and where each one's funding page is
| Sector | Establishments | Under 5 employees | Funding page |
|---|---|---|---|
| Retail trade | 295 | 35.6% | Retail |
| Accommodation and food services | 222 | 32.9% | Restaurants |
| Other services (incl. auto repair) | 201 | 61.7% | Auto repair |
| Health care and social assistance | 185 | 46.5% | Medical practices |
| Construction | 169 | 52.7% | Construction |
| Professional, scientific and technical | 146 | 69.9% | Law firms |
| Finance and insurance | 112 | 56.2% | Insurance agencies |
Retail has the most employer locations; health care and social assistance pays the most, with about $184.3 million in 2023 annual payroll (U.S. Census Bureau, County Business Patterns 2023). Gas stations sit within retail; see the gas station and convenience store page. All industry pages are listed together.
Self-employment in Stillwater, OK compared with the county and state
An estimated 4.4% (margin of error +/- 1.0 points) of employed Stillwater, OK residents were self-employed, compared with 7.3% (+/- 1.0) in Payne County, OK and 10.6% (+/- 0.2) statewide (U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates). The ranges do not overlap, so the city's share is lower than the county's and the state's. The figure counts where people live, not where businesses are located.
Three years of Payne County, OK home permits
Payne County, OK authorized 205 new privately owned housing units in 2023, 145 in 2024 and 217 in 2025 (U.S. Census Bureau, Building Permits Survey). In 2025, 137 of those were single-unit homes and 52 were in buildings with five or more units. For contractors and plumbing and HVAC firms, these counts show authorizations only; they are not a forecast of work.
Stillwater, OK commercial property for lease or for sale: the funding side
Opening in commercial property for lease in Stillwater, OK, including downtown shops and stores, can mean two costs before opening: the space and the buildout. A lease may need a deposit and leasehold improvements; a purchase may need a down payment and a longer loan. A term loan can be the tool for buildouts and purchases, with equipment financing for fixtures that can be separated out.
We do not track listings or rents, and no figures on vacancy or prices are given here. Before signing, check the zoning for your use; the zoning and permits guide covers where to look. The City of Stillwater's official site is stillwater.org, and Payne County's is paynecounty.org.
Records partners may ask Stillwater, OK businesses about
Partners match the business name on a request against bank records and state filings. The Oklahoma trade name guide covers operating under a name other than the legal one, and the annual certificate guide covers keeping an entity in good standing. The local resources page lists where owners look for advice.
Orchardpeak Business Funding on South Main, Stillwater, OK
Orchardpeak Business Funding is at Eight Main Place, 801 S Main St, Stillwater, OK 74074, and can be reached at (405) 357-4905. A request can start by phone or with the online request; the contact page has the map, and the about page explains how we work.
Beyond the city limits: nearby towns
Owners in Perkins, OK, Perry, OK, Cushing, OK and the smaller towns around them can use the same phone number and request. The service-area page has ZIP-level counts for each.
Stillwater, OK sectors our partners fund
Owners in Stillwater, OK 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.
Documents to have ready
- The last three to six months of business bank statements
- Business and personal tax returns for the latest year
- Current financial statements: profit and loss plus a balance sheet
- A driver's license or passport for each owner
- Formation documents and your EIN
- The equipment quote, contract or purchase order the funding is for
No two partners ask for exactly the same file, so use this as a checklist rather than a rule.
How a request moves forward
- It starts with a call to (405) 357-4905 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.
- Any offer comes from the partner. Read the total cost, the payment schedule and the terms before deciding; turning it down is always an option.
Owners in Stillwater, OK can start by phone or with the short online form; no office visit is needed.
By Orchardpeak Business Funding · Updated