Census counts for Napa County, CA and ZIP 94559, set beside the funding questions they raise: cellar equipment, tasting rooms and kitchens downtown, build-outs in leased space, and buying a business that already runs.
This page brings together Census business counts for Napa, California and Napa County, CA, and the funding questions behind them. Silvermoor Business Loans prepares requests; funding partners decide.
At a glance
- Employer establishments, Napa County, CA
4,486 (County Business Patterns 2023)
- Employer establishments, ZIP 94559 (Napa, CA)
1,209, with 14,030 paid employees (ZIP Code Business Patterns 2023)
- Self-employed share of employed residents, City of Napa, CA
12.1%, margin of error 1.2 points (ACS 2020-2024)
ZIP 94559 and Napa County, CA Employer Counts, Read Side by Side
ZIP Code Business Patterns counts employers by the ZIP code of their physical address. ZIP 94559, which the Postal Service names Napa, is the office ZIP, but a ZIP is not the city limits: the City of Napa covers only about 12.9% of the ZIP's land, which reaches well beyond town. The county figures describe all of Napa County, CA, valley floor and upvalley alike, so the table keeps the two apart.
| Measure | ZIP 94559 | Napa County, CA |
|---|---|---|
| Employer establishments | 1,209 | 4,486 |
| Paid employees | 14,030 | 66,372 |
| Annual payroll | $850.7 million | $4.48 billion |
| Share with fewer than five employees | 53.8% | 53.2% |
| Wineries (NAICS 312130) | 43 | 421 |
| Full-service restaurants (NAICS 722511) | 66 | 145 |
| Traveler accommodation (NAICS 7211) | 30 | 86 |
In ZIP 94559, professional, scientific and technical services and accommodation and food services tied for the most employers, 153 each, followed by retail trade with 138 and construction with 119. County-wide, manufacturing led with 525, 421 of those employers being wineries. The American Community Survey (2020-2024) puts 12.1% of employed City of Napa residents in their own business, margin of error 1.2 points: 5.1% incorporated and 7.0% not incorporated.
Business Lenders Near Napa, CA: What They Ask Dental Offices For
Business lenders near Napa, CA include banks, credit unions, equipment lenders and other funding partners, and each sets its own records list. County Business Patterns counted 39 commercial banking establishments in Napa County, CA for 2023 (NAICS 522110). For a dental office, the list a lender asks for tends to look like this:
- Two or three years of practice tax returns and the owner's personal returns.
- Collections and production reports by month, and the accounts receivable aging.
- Business bank statements for the recent months a lender names.
- The quote for any equipment, or the buy-in or purchase agreement for an ownership change.
- The office lease, especially for a build-out.
Applying straight to a bank is always an option. Silvermoor's role is to put a request in front of a partner whose programs fit the purchase; the partner decides.
Napa, CA Business Loans for Salon Owners and Gym Owners: a Remodel and Free-Weight Sets
Salon and gym owners in Napa, CA ask about smaller tickets than a winery, and more often. A salon remodel can be a term loan with the chairs on a lease; a gym's free-weight sets, racks and flooring can go on one equipment lease. County Business Patterns counted 20 beauty salons, 26 nail salons and 29 fitness and recreational sports centers with paid employees in Napa County, CA for 2023, and ZIP 94559 held 12 of the beauty salons, 9 of the nail salons and 13 of the fitness centers.
Salon business loans and gym business loans go further.
Opening a Tasting Room in Downtown Napa, CA: Build-Out, Equipment and License Order
A tasting room on a downtown street is a retail and hospitality project in one. The money questions arrive in an order: the lease and what the landlord allows; the zoning and building permits for the space; the license that lets the room pour; then the build-out, the counter, the refrigeration and the point-of-sale system. A term loan suits the build-out, equipment financing suits the coolers and fixtures, and the opening stock of bottles can sit on an inventory line.
ZIP Code Business Patterns counted 43 winery employers in ZIP 94559 for 2023. The Napa, CA zoning and permits guide and the California ABC license types guide cover the permit and license steps.
Downtown Napa, CA Restaurants: Walk-In Coolers, a Dining-Room Remodel and the Funding Behind Them
Downtown restaurants face the same equipment list as any kitchen, with the added weight of an older building: walk-in coolers that need new compressors, hoods that need upgrading, dining rooms that need a remodel. ZIP Code Business Patterns counted 66 full-service and 25 limited-service restaurants in ZIP 94559 for 2023. The walk-in and hood are equipment loans or leases; the dining-room remodel is a term loan; the weeks of reduced service are working capital.
Restaurant loans in Napa, CA sets those out one by one.
Commercial Property for Lease in Napa, CA: Financing the Build-Out of a Winery Space
Leasing commercial space in Napa, CA usually leaves the tenant paying for the build-out. For a winery space, that can mean drainage, floor coatings, refrigeration, electrical capacity for tanks and chillers, and a tasting area. A term loan can carry that work when the lease runs long enough to cover it; partners read the lease length and renewal options closely for that reason. Buying the building is a commercial mortgage, which this site does not arrange.
The Napa County winery use permit guide explains where a use permit fits for winery premises.
Napa Valley Business for Sale in Napa County, CA: Lease, Buy or Buy a Dental Office Outright?
Buying a business for sale in the Napa Valley is usually financed with a term loan, the buyer's down payment and sometimes a seller note. For a dental office, the three routes are to lease the space and buy the practice, buy the practice and its building together, or buy into an existing practice as an associate. Partners read the seller's returns and collections, the patient base, the equipment list and the lease.
Term loans has a worked purchase example, and dental office loans covers buy-ins.
Silvermoor's Phone Line and Listed Address in Napa, CA
Silvermoor Business Loans is listed at 1432 2nd St, Napa, CA 94559, inside the City of Napa. Calls go to (707) 260-7430; the online form accepts a request at any hour of the day.
Napa County places covers Yountville, St. Helena and the smaller towns; the industry pages and the six funding types compared go further.
The articles draw on these county counts: wineries, inns and hotels, restaurants, landscaping crews, dental offices and fitness centers.
Kinds of Business Partners Review in Greater Napa, CA
Owners from Napa, CA can ask about funding in most lines of business, for example contractors and construction trades, restaurants and food service, medical and dental practices or retailers and wholesalers that carry stock. The partner on the other end still reaches its own decision on each request.
Paperwork to Have Ready for Napa, CA Owners
- Monthly statements for the business accounts, with every page included
- Last year's business tax return (personal returns are sometimes requested too)
- Profit and loss figures through the latest month together with a balance sheet
- Current photo identification for all owners of the company
- Details of the debt the company already carries, listing every monthly payment
- The equipment invoice or purchase order, with model and price shown
Every partner asks for a slightly different file, so start with these items.
What Happens After You Ask for Napa, CA Business Owners
- Place a call to (707) 260-7430 or send the short request form with the purpose of the funds.
- The request then goes out to partners that offer the type of funding you asked about.
- A partner goes over the request and makes its own decision.
- Should a partner make an offer, check the full cost and the payment plan; you are free to say no.
Business owners around Napa, CA can handle the whole request by phone or online.
By Silvermoor Business Loans · Updated
