Oakwick Lending Group, a small-business funding broker in Concord, NC, works with Midland, NC owners by phone and online. ZIP 28107 had 229 employer establishments in 2023, and 69 were in construction (Census ZBP). Lending partners alone decide on credit and set any rate or term.
| Counties | Cabarrus County and Mecklenburg County, NC |
|---|---|
| Distance | About 11.5 miles SSE of the office |
| ZIP 28107 employers | 229 in 2023 (Census ZBP) |
| Construction share | 69 of 229 establishments |
| Self-employed residents | 11.9%, +/- 5.5 (ACS 2020-2024) |
Geography first
Midland, NC spans Cabarrus and Mecklenburg counties, so neither county's statistics describe it. Almost all of the town, about 98 percent of its land, lies in ZIP 28107, while the town makes up about 21 percent of that ZIP code's land (U.S. Census Bureau 2020 ZIP code relationship files). The figures below are for the 28107 postal area.
A contractor-heavy ZIP code
ZIP 28107 had 229 employer establishments in 2023, with 1,738 paid employees and an annual payroll of about $97.5 million. Construction accounted for 69 of them, roughly three in ten. Retail trade followed with 20, then administrative and support services with 19 and wholesale trade and professional services with 16 each. Overall, 65.5 percent of establishments had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023).
That concentration matters for funding. When a third of local employers are contractors, the common requests are compact equipment, trailers and work vehicles, and cover for the weeks between finishing a phase and being paid for it. Contractor and construction financing explains how lending partners look at both.
Self-employment in Midland, NC
An estimated 11.9 percent of employed residents were self-employed, plus or minus 5.5 points (U.S. Census Bureau, American Community Survey 2020-2024). The range overlaps the state's 9.8 percent, so the estimate does not show that self-employment is more common here, only that it may be.
Reaching us from Midland, NC
The office address is north of Midland in Concord, NC. Requests begin with a call to (980) 352-5260 or the online form. Our Concord, NC page has county data and local contacts, and every area we serve is listed on the hub page.
Who Oakwick Lending Group works with in Midland, NC
Oakwick Lending Group works with Midland, NC businesses in four sectors our partners have confirmed: contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock. Being in one of them does not decide the outcome; the partner does.
What to gather before you call
- Recent business bank statements (partners often ask for three to six months)
- 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
- Details of any loans, leases or advances the business already carries
- 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.
What happens after you reach out
- You call (980) 352-5260 or send the short form (name, contact details and business name). When we speak, we ask what the money is for, how long you have been in business and roughly what the business brings in.
- 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.
- When an offer arrives, weigh its full cost, how payments are scheduled and the conditions. Accepting is entirely your choice.
Oakwick Lending Group is based at 4 Union St S, Concord, NC 28025.
By Oakwick Lending Group · Updated