Ferncroft Business Loans, a small-business funding service in Sheboygan, Wisconsin, serves Kiel businesses by phone and online. ZIP 53042 had 167 employer establishments in 2023, with construction and manufacturing first. Because Kiel sits in Calumet and Manitowoc Counties, this page uses only its own ZIP figures, and covers the funding options its contractors and manufacturers can compare.
| Counties | Calumet County and Manitowoc County, Wisconsin |
|---|---|
| Distance | About 19 miles NW of Sheboygan, WI |
| ZIP 53042 employer establishments | 167 (ZBP 2023) |
| ZIP 53042 paid employees | 3,239 (ZBP 2023) |
Kiel, WI and ZIP 53042 in Census Counts
ZIP 53042 had 167 employer establishments in 2023, with 3,239 paid employees and about $164.5 million in annual payroll (ZIP Code Business Patterns 2023). Establishments under five employees made up 50.3%. Kiel covers 4.1% of the ZIP's land.
Because Kiel is not in Sheboygan County, none of this site's Sheboygan County figures fit it; this page sticks to ZIP 53042.
| Sector (NAICS) | Employer establishments | Share with fewer than 5 employees |
|---|---|---|
| Construction | 30 | 70.0% |
| Manufacturing | 21 | 19.0% |
| Retail trade | 19 | 36.8% |
| Accommodation and food services | 19 | 42.1% |
| Health care and social assistance | 17 | 47.1% |
| Other services | 14 | 64.3% |
| Professional, scientific and technical services | 12 | 66.7% |
| Mining and quarrying | 4 | 0.0% |
Small Contractors, Larger Manufacturers in Kiel, WI
The ZIP's top two sectors sit at opposite ends of the size range. Of its 30 construction employers, 70.0% had fewer than five employees: small crews and specialty trades. Of its 21 manufacturers, only 19.0% had fewer than five employees.
That split shapes funding questions. Small crews ask about payroll gaps and a truck or trailer; manufacturers ask about machines, tooling and material purchases. The four quarry and mining employers in the ZIP had no establishments under five employees at all.
Funding Options for Kiel, WI Contractors and Manufacturers
- Payroll before a job pays: working capital
- Materials and recurring job costs: a line of credit
- Machines, trucks and attachments: equipment financing
- Raw material ahead of an order: inventory financing
See funding for contractors and builders and machine shop and fabrication funding for sector detail, and the rest on the industries hub.
Starting a Request From Kiel, WI
Call (920) 260-6277 or send the online request; requests are handled by phone and online. Other nearby towns are on the areas served page, and figures for the office city are on the Sheboygan, WI page.
Kiel, WI businesses we help
Funding partners consider businesses across most industries in Kiel, WI, 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.
Documents to have ready
- Last year's filed tax return for the business
- A year-to-date profit and loss statement and balance sheet
- A driver's license or passport for each owner
- Proof of ownership and business registration
- A simple schedule of current business debt and monthly payments
- For equipment, the seller's quote with make, model and price
Partners differ in what they request; this list covers the usual ground.
From first call to a partner's decision
- You call (920) 260-6277 or send the short request form. When we speak, we go over what the money is for, how long you have been in business and roughly what the business brings in.
- You hear which options match the need and what a partner will likely want to review. We submit nothing without your approval.
- 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.
- When an offer arrives, weigh its full cost, how payments are scheduled and the conditions. Accepting is entirely your choice.
Owners in Kiel, WI can start by phone or with the short online form; no office visit is needed.
By Ferncroft Business Loans · Updated