Oakwick Lending Group, a small-business funding broker in Concord, NC, works with Mount Pleasant, NC owners by phone and online. ZIP 28124 had 163 employer establishments in 2023, and construction accounted for 47 of them (Census ZBP). Lending partners alone decide on credit and set any rate or term.
| County | Cabarrus County, NC |
|---|---|
| Distance | About 8.5 miles E of the office |
| ZIP 28124 employers | 163 in 2023 (Census ZBP) |
| Largest sector in 28124 | Construction, 47 establishments |
| Town share of ZIP land | About 4% (Census 2020) |
A small town inside a big ZIP code
Mount Pleasant, NC covers only about 4 percent of the land in ZIP 28124. Two-thirds of the town is in that ZIP and the remaining third falls in 28025, the same ZIP as our Concord, NC address (U.S. Census Bureau 2020 ZIP code relationship files). The 28124 figures therefore describe a mostly rural area around the town, and should not be read as a count of businesses within town limits.
Business counts for ZIP 28124
In 2023 the ZIP had 163 employer establishments, 979 paid employees and an annual payroll of about $36.4 million. 62.0 percent of the establishments had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023).
| Sector | Establishments | Share under five employees |
|---|---|---|
| Construction | 47 | 70.2% |
| Other services | 19 | 52.6% |
| Retail trade | 17 | 41.2% |
| Professional, scientific and technical services | 14 | 71.4% |
| Accommodation and food services | 10 | 30.0% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023. Construction alone is almost three in ten employers here.
What small contractors usually ask about
A crew of two or three working out of a rural ZIP code tends to raise the same two questions: how to buy or replace a machine or trailer without draining cash, and how to cover labor and materials while a builder or homeowner pays slowly. The first is a job for equipment financing, where the asset secures the debt. The second is a timing gap better handled by working capital or a credit line. Mixing them up, such as buying a machine on a short-term product, is a common and costly mistake.
Self-employment estimates
The Census estimate for self-employed Mount Pleasant residents is 8.9 percent with a margin of error of plus or minus 5.0 points (U.S. Census Bureau, American Community Survey 2020-2024). The town's sample is small, so that range spans everything from about 4 to 14 percent and says little on its own.
Reaching us from Mount Pleasant, NC
The office address is west of town in Concord, NC, also in Cabarrus County. Requests start by phone at (980) 352-5260 or online. Our Concord, NC page covers county-wide figures and contacts, and other Cabarrus County communities are listed on the areas page.
Mount Pleasant, NC businesses we help
Oakwick Lending Group works with Mount Pleasant, 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.
Documents to have ready
- The last three to six months of business bank statements
- Last year's filed tax return for the business
- Current financial statements: profit and loss plus a balance sheet
- Photo ID for every owner of the business
- Your articles of organization or incorporation and the EIN letter
- A list of existing business debts and payments
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 (980) 352-5260 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.
- 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.
- If a partner makes an offer, you compare the total cost, payment schedule and terms. You are never obligated to accept.
Our address: 4 Union St S, Concord, NC 28025.
By Oakwick Lending Group · Updated