Cliffbank Lenders, a small-business funding service in Merced, California, serves Livingston, CA businesses by phone and online. This page sets out ZIP 95334 figures, including how many employers have fewer than five people, the town's self-employment estimate, how to check a Livingston business license, and which funding options suit small retail, health and food businesses.
| Distance | Roughly 14 mi WNW of Merced, CA |
|---|---|
| County | Merced County, CA |
| Employer establishments, ZIP 95334 (2023) | 198 |
| ZIP 95334 employers under five people | 60.6% |
| Self-employed residents (ACS 2020-2024) | 8.9% (+/- 2.9) |
| Share of ZIP 95334 land inside the town | 6.5% |
What ZIP 95334 counts say about Livingston, CA
ZIP 95334 had 198 employer establishments in 2023, and 120 of them (60.6%) had fewer than five employees (ZIP Business Patterns). Transportation and warehousing was the largest group with 61 establishments, 86.9% of them with fewer than five employees; retail trade had 26, health care 20, and accommodation and food services 20.
Livingston covers 6.5% of ZIP 95334's land, so the ZIP figures describe a wider area than the city. Inside the city, the American Community Survey (2020-2024) estimates that 8.9% (+/- 2.9) of employed residents were self-employed, 3.5% of them with incorporated businesses.
Funding for small Livingston, CA businesses
With six in ten employers under five people, funding needs may be small and tied to a specific one: stock for a shop, a piece of equipment, or wages while a customer pays. Working capital and equipment financing are two options to compare. Trucking funding is not arranged here, so transportation firms should look elsewhere for vehicle financing.
Livingston, CA business license checks
Livingston runs its own city hall. How to check a business license in California generally starts with the city where the business operates; for addresses outside city limits, the county is the place to ask. Partners may want to see that a license is current.
Next steps for Livingston, CA owners
Call (209) 509-1962 or send the form with the purpose and the date. County-wide figures are on the Merced, CA figures page; other towns are on the service areas page; the industry pages show what partners read by sector.
Livingston, CA health care and food businesses
ZIP 95334's 20 health care establishments were split almost evenly, 55.0% with fewer than five employees; its 20 accommodation and food services establishments were mostly larger, with only 25.0% that small (ZIP Business Patterns 2023). For a small clinic, working capital for payroll while claims pay is one question; for a restaurant, kitchen equipment can be another.
Merced County, CA figures for comparison: 44.7% of health care employers and 28.8% of food service employers county-wide had fewer than five employees in 2023.
Who Cliffbank Lenders works with in Livingston, CA
Cliffbank Lenders works with Livingston, CA businesses of most kinds; contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock are common examples. The partner, not the industry, makes the decision.
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
- Government-issued ID for each owner
- Formation documents and your EIN
- 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.
From first call to a partner's decision
- 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.
- Once you agree, the request goes to partners that provide that type of funding. The credit decision belongs to each partner.
- 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.
From Livingston, CA, the whole request can run by phone and online.
By Cliffbank Lenders · Updated
