Ivybend Advances, a small-business funding broker in Missoula, MT, works with Lolo owners by phone and through its online request. ZIP 59847, which includes Lolo, had 169 employer establishments in 2023, 67.5 percent with fewer than five employees, and construction was the largest sector. Credit decisions stay with the lending partners.
| County | Missoula County, MT |
|---|---|
| Distance | About 8.8 miles SW of Missoula, MT |
| ZIP 59847 employers | 169 establishments (ZBP 2023) |
| Under five employees | 67.5% of employers in ZIP 59847, ZBP 2023 |
| Largest sector | Construction, 49 establishments (ZBP 2023) |
| Local government | Unincorporated; county, not city |
Where Lolo, MT sits: unincorporated Missoula County, MT
Lolo is a census-designated place, not an incorporated town, so it has no city government of its own. It sits inside Missoula County, and the county is the local government a Lolo business deals with.
The figures below describe ZIP 59847, the postal area named Lolo. The ZIP is far bigger than the community: Lolo covers just 2.7 percent of the ZIP's land, though 84.6 percent of Lolo's own land falls inside it (Census 2020 ZIP-to-place relationship file). Treat them as the Lolo postal area, not the Lolo town count.
Employer counts for the 59847 postal area
ZIP Code Business Patterns counted 169 employer establishments in ZIP 59847 in 2023, with 856 paid employees in the March pay period and an annual payroll of about $35.7 million. The payroll and employment figures carry a moderate noise flag, so treat them as approximate.
| Sector | Establishments | Share under 5 employees |
|---|---|---|
| Construction | 49 | 85.7% |
| Retail trade | 19 | 47.4% |
| Professional, scientific and technical services | 15 | 100% |
| Administrative and support services | 15 | 66.7% |
| Accommodation and food services | 14 | 28.6% |
| Other services | 11 | 63.6% |
| Manufacturing | 8 | 50.0% |
| Health care and social assistance | 8 | 37.5% |
Lolo, MT area crews: small and mostly in construction
Construction is the stand-out. Nearly three in ten ZIP 59847 employers were construction firms, and 85.7 percent of those had fewer than five employees. For a two- or three-person crew, the funding questions are concrete: how to buy or replace a machine, and how to cover wages and materials while a general contractor's payment is on its way.
Equipment financing covers the first; for the second, a line of credit or short working capital is the usual conversation. Contractor financing goes further into both.
Shops, food and services in ZIP 59847
Retail (19 employers) and accommodation and food services (14) are the next-largest groups. The food-service employers here were larger than the ZIP average: only 28.6 percent had fewer than five employees. Larger crews mean bigger payrolls, which tends to shape the funding conversation toward wage timing and kitchen equipment.
Funding questions a ZIP 59847 business brings
- A machine for a small crew. With 42 of the ZIP's 49 construction employers under five people, one excavator or trailer is a major purchase.
- Wages while a general contractor pays. Subcontractors often wait weeks; a line of credit or short working capital covers the gap.
- Stock for a shop. The 19 retail employers in the ZIP buy inventory ahead of sales.
- Kitchen equipment. Food service employers here run larger crews, so a failed cooler hits payroll quickly.
Each of these is a conversation we have by phone; none requires a visit to Missoula.
From Lolo, MT to W Broadway
Everything happens by phone or online. Call (406) 313-8064 or use the online request from Lolo. The Missoula County picture has the county-wide figures, and every area we serve lists the other nearby communities.
Lolo, MT sectors our partners fund
Ivybend Advances works with Lolo, MT 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
- Business and personal tax returns for the latest year
- Current financial statements: profit and loss plus a balance sheet
- Government-issued ID for each owner
- Proof of ownership and business registration
- A list of existing business debts and 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
- It starts with a call to (406) 313-8064 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: 111 W Broadway St, Missoula, MT 59802.
By Ivybend Advances · Updated