Prairiebank Loans, a small-business funding service in Florence, AZ, helps owners in Eloy, AZ, about 25 miles south-southwest, request inventory and equipment financing, working capital, lines of credit and term loans by phone or online. This page covers ZIP 85131 Census counts, which are led by retail, food service and manufacturing. Partners review and decide.
| ZIP 85131 employer establishments | 119 in 2023, 3,018 employees (ZBP) |
|---|---|
| Share with under five employees | 38.7%, ZBP 2023 |
| Distance from Florence, AZ | About 25 miles south-southwest |
ZIP 85131 in the Census business counts
ZIP 85131, Eloy's ZIP, had 119 employer establishments in 2023, employing 3,018 people with $154.6 million in annual payroll (ZIP Code Business Patterns 2023). Only 38.7% had fewer than five employees, a smaller small-employer share than in any other town ZIP with its own Prairiebank page.
| Sector | Establishments | Share under five |
|---|---|---|
| Retail trade | 26 | 34.6% |
| Accommodation and food services | 17 | 35.3% |
| Manufacturing | 12 | 25.0% |
| Health care and social assistance | 11 | 27.3% |
| Other services | 11 | 27.3% |
| Professional, scientific and technical offices | 7 | 57.1% |
| Administrative and support services | 7 | 0.0% |
| Construction | 4 | 0.0% |
Payroll divided by employees in the same file comes to roughly $51,200 per employee (our arithmetic, ZBP 2023). As with every figure on this page, it covers the whole of ZIP 85131, of which Eloy holds 27.8% of the land.
Eloy, AZ and ZIP 85131 are not the same area
Eloy covers 27.8% of ZIP 85131's land, and 75.0% of the city's land is in that ZIP; another 11.5% is in ZIP 85123 (2020 Census ZCTA relationship file). The ZIP counts therefore describe a wider area than the city limits.
An estimated 8.4% of employed Eloy residents were self-employed in 2020-2024 (American Community Survey; margin of error 3.8 points, medium confidence), close to the Arizona figure of 9.9%.
Funding needs that fit the Eloy, AZ mix
Retail leads the ZIP with 26 establishments, which points to inventory financing for stock and equipment financing for coolers and fixtures; the gas station and convenience store page and the grocery page have detail. Food service, 17 establishments, is covered on the restaurant page. For the 12 manufacturers in the ZIP, production machinery fits equipment financing, and raw materials can be carried on a line of credit.
Repair and personal service businesses (other services, 11 in the ZIP) are covered on the auto repair page. Prairiebank does not take trucking requests, even though transportation businesses appear in the ZIP counts.
What an Eloy, AZ owner should have ready
- A sentence on what the money is for, plus any quote, order or invoice.
- Recent business bank statements.
- The lease or property arrangement for the location.
- Loans, leases or advances already being paid.
Eloy, AZ business license and commercial space
Prairiebank leaves commercial property purchases to banks and mortgage lenders. It can help with a build-out through a term loan or with equipment and working capital once the space is secured. Statewide steps are summarized on the Florence, AZ page.
Larger employers and payroll in the Eloy, AZ ZIP
ZIP 85131 employers had 3,018 employees and $154.6 million in annual payroll in 2023 (ZBP), across only 119 establishments, an average of about 25 employees each. Businesses of that size often need funding for equipment and expansion rather than day-to-day gaps, and partners will expect financial statements as well as bank statements. Have the last two years of statements ready if the request is large.
Sending Prairiebank a request from Eloy, AZ
Call (520) 200-5538 or fill in the Prairiebank web form. Compare funding shapes on the comparison page and see other towns on the service-area page.
Eloy, AZ businesses we help
Funding partners consider businesses across most industries in Eloy, AZ, 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
- 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
- Proof of ownership and business registration
- A simple schedule of current business debt and monthly payments
- The equipment quote, contract or purchase order the funding is for
Each lending partner sets its own list, so treat this as a starting point.
The steps after your first call
- Reach us at (520) 200-5538 or through the contact form. When we call back, the first questions are simple: what the funding is for, how long the business has operated and its rough 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.
- 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 Eloy, AZ can start by phone or with the short online form; no office visit is needed.
By Prairiebank Loans · Updated
