Cliffbank Lenders, a small-business funding service in Merced, California, serves Chowchilla, CA businesses by phone and online. Chowchilla is in Madera County, not Merced County, so this page uses only ZIP 93610 and city figures: employer counts by sector, the share of very small firms, the self-employment estimate, and business license renewal notes.
| Distance | Roughly 18 mi SE of Merced, CA |
|---|---|
| County | Madera County, CA |
| Employer establishments, ZIP 93610 (2023) | 242 |
| ZIP 93610 employers under five people | 56.6% |
| Self-employed residents (ACS 2020-2024) | 6.1% (+/- 2.7) |
| Share of ZIP 93610 land inside the town | 4.2% |
What ZIP 93610 counts say about Chowchilla, CA
ZIP 93610 had 242 employer establishments in 2023, with 2,505 paid employees and about $128.5 million in annual payroll (ZIP Business Patterns). 137 (56.6%) had fewer than five employees. Accommodation and food services led with 43, retail trade had 40, construction 22 and health care 15.
Chowchilla covers 4.2% of ZIP 93610's land. In the city itself, the American Community Survey (2020-2024) estimates 6.1% (+/- 2.7) of employed residents were self-employed. Merced County, CA figures elsewhere on this site do not describe Chowchilla.
Funding for Chowchilla, CA restaurants and shops
Food service has more employer establishments than any other sector in ZIP 93610, and only 25.6% of those establishments had fewer than five employees, so payroll is a real cost. A restaurant might weigh equipment financing for kitchen gear against a short advance; retailers, 60% of them very small, might look at inventory financing or a credit line.
Keeping a Chowchilla, CA business license renewed
Chowchilla is an incorporated city in Madera County, CA, so businesses inside its limits may renew with the city; confirm with the city. A current license is one of the records a partner may ask to see.
Next steps for Chowchilla, CA owners
Call (209) 509-1962 or use the web form with the purpose and date. Other places are on the service areas page; the Merced, CA figures page has county figures for comparison; the industry pages show what partners read by sector.
Chowchilla, CA construction and real estate
ZIP 93610's 22 construction establishments were mostly very small, 72.7% with fewer than five employees, and all 17 of its real estate and rental establishments were that small (ZIP Business Patterns 2023). Small contractors there ask the same questions as anywhere: materials before the draw and a line of credit to cover them.
Chowchilla, CA businesses we help
Funding partners consider businesses across most industries in Chowchilla, CA, from contractors and construction trades and restaurants and food service to medical and dental practices and retailers and wholesalers that carry stock. Each partner still decides case by case.
Paperwork partners commonly ask for
- Recent business bank statements (partners often ask for three to six months)
- Your most recent business tax return
- An up-to-date P&L and balance sheet, even if you prepare them yourself
- Photo ID for every owner of the business
- A simple schedule of current business debt and monthly payments
- 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.
What happens after you reach out
- It starts with a call to (209) 509-1962 or the short contact form. On the phone we cover the purpose of the funds, time in business and approximate monthly revenue.
- You hear which options match the need and what a partner will likely want to review. We submit nothing without your approval.
- After you give the go-ahead, we share the request with suitable lending partners, and each one decides on its own.
- When an offer arrives, weigh its full cost, how payments are scheduled and the conditions. Accepting is entirely your choice.
Everything can be handled by phone or online from Chowchilla, CA.
By Cliffbank Lenders · Updated
