Oakglen Financial, based in Utica, New York, takes funding requests from Rome, New York owners by phone and web form. This page covers Rome's ZIP 13440 employer counts, self-employment estimates, commercial leasing questions and practice equipment upgrades.
At a glance
- Employer establishments, ZIP 13440
671 (ZIP Code Business Patterns 2023)
- Retail employers, ZIP 13440
118, the largest sector count (ZBP 2023)
- Share of ZIP 13440 land inside Rome, NY
51.9% (2020 ZCTA-place relationship file)
Employers with a ZIP 13440 address in Rome, NY, by sector
Rome's main ZIP, 13440, held 671 employer establishments in 2023 according to ZIP Code Business Patterns; they employed 8,995 people, paid $430.5 million in wages, and 50.4% of them had under five employees. Only 51.9% of the ZIP's land lies inside Rome, NY, so the ZIP figures include businesses outside the city limits.
| Sector | Establishments | Share under 5 employees |
|---|---|---|
| Retail trade | 118 | 37.3% |
| Health care and social assistance | 96 | 53.1% |
| Other services | 86 | 57.0% |
| Accommodation and food services | 83 | 37.3% |
| Construction | 61 | 75.4% |
| Professional, scientific and technical services | 45 | 55.6% |
Rome, NY residents who work for themselves, with margins of error
The American Community Survey estimates that 6.7% of employed Rome, NY residents were self-employed in 2020-2024, with a margin of error of plus or minus 1.4 points: 2.5% in their own incorporated business and 4.3% unincorporated. The county figure was 8.2%.
A commercial lease checklist for a Rome, NY practice or storefront tenant
- The permitted use: confirm with the city that the space is zoned for the business.
- Term and renewal options, measured against any loan that funds the fit-out.
- Who pays for improvements, and whether the landlord offers an allowance.
- Common area charges, taxes and insurance passed through to the tenant.
- Signage rights, parking and hours of access.
- What happens to fixtures and equipment when the lease ends.
A funding partner financing a build-out will want the lease, and the years left on it, before deciding.
Questions for a Rome, NY landlord about fit-out allowances and lease length
Ask how long the space has been vacant and why, whether the roof, heating and electrical service can carry the planned use, and whether the landlord will sign a waiver letting an equipment lender remove financed equipment. Ask too whether a fit-out allowance is paid up front or as a rent credit; a rent credit does not help pay a contractor.
What a Rome, NY landlord may require before leasing commercial space
Landlords commonly ask for financial statements or tax returns, a personal guarantee from the owner, a security deposit and proof of insurance. A new business may be asked for a larger deposit. These are the landlord's own requirements, separate from any funding partner's.
Rome, NY physician practices planning an equipment upgrade
A practice adding an ultrasound unit, replacing exam tables or opening another room can finance the equipment against the equipment itself. Health care and social assistance accounted for 96 employer establishments in ZIP 13440 in 2023, the second-largest sector count there (ZIP Code Business Patterns).
Medical practice loans and equipment financing go into the details.
Retail, health care and food service employers in Rome, NY
Retail, health care and food service account for 297 of the 671 ZIP 13440 employers (our sum), and each funds different things: stock and fixtures, equipment and payroll between claims, kitchens and card-sales gaps. Business loans for retail and restaurant loans cover two of them.
A Rome business starts the same way as one in Utica: phone (315) 259-5603 or send the request form. The Utica, NY page has the county figures, and areas served lists other places.
Lines of Trade Partners Take Requests from in Rome, NY
Partners look at requests from Rome, NY businesses in a wide spread of fields, with contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock among them. Whichever partner takes up the request looks at the full picture before deciding anything.
Files to Put Together for a Rome, NY Request
- Bank statements for the operating account that show recent deposits and balances
- The business's latest filed tax return, ideally with every schedule attached
- Photo ID issued by a government for each owner and co-owner
- Formation records from the state, with the EIN on hand
- A summary of the debts the business carries plus the monthly payment on each
- For equipment, the quote from the seller, including the full price
Each partner decides which papers it needs; this list is a general outline.
The Stages of a Request for Rome, NY Owners
- Phone the office at (315) 259-5603 or submit the form with your time in business and rough revenue.
- The request is then shared with partners that fund the use you named.
- A partner looks at the request and decides on its own criteria.
- If an offer arrives, check the total cost, the payments and the terms, then decide for yourself.
Owners across Rome, NY can complete each step remotely, by phone or online.
By Oakglen Financial ยท Updated