Business Funding in Redding, California: Shasta County, CA Facts and Local Resources

Small business in Redding, CA: the county picture

County Business Patterns counted 4,508 employer establishments in Shasta County, CA in 2023, with 53,944 paid employees and $2.91 billion in annual payroll. Most are small: 2,376 had fewer than five employees, 878 had five to nine and 662 had ten to nineteen. Only 13 establishments fell in the 250 to 499 band, and the Census withheld the counts for the two largest bands.

Alongside them, Nonemployer Statistics counted 12,664 businesses with no paid employees in 2024. That is a different program, year and industry coding, so it is reported here on its own rather than added to the employer count.

The American Community Survey (2020-2024) puts the self-employed share of employed residents at 11.3% (plus or minus 1.3) in the city of Redding, 12.2% (plus or minus 0.9) in Shasta County and 11.4% (plus or minus 0.1) statewide. The margins overlap, so the honest reading is that the county is in line with California, not above it.

Shasta County, CA sectors and what they borrow for

Health care has the most employer establishments and the largest payroll ($728.7 million countywide). Practices billing insurers can use working capital and equipment financing; see the medical practices page. Food service involves card sales and kitchen equipment, covered on the restaurant funding page. Repair shops buy parts and lifts ahead of the work, as the auto repair page explains.

All fourteen sector pages are listed on the industries page, and the six structures are compared on the funding options page.

ZIP 96001 and the Redding, CA city line do not match

ZIP 96001 counted 1,307 employer establishments in 2023 (ZIP Code Business Patterns), 56.6% of them with fewer than five employees, 13,211 paid employees and $796.5 million in payroll. By our arithmetic that is roughly ten employees per establishment and about $60,300 in payroll per employee; employment counts are noise-infused, so treat both as approximate.

ZIP figures follow mailing addresses, not city limits. According to the Census ZIP-to-place relationship file, the city's land is split across ZCTA 96003 (36.3%), 96001 (33.7%) and 96002 (27.3%), and only 27.8% of ZCTA 96001's land lies inside the city. Centerville and Keswick sit entirely in ZCTA 96001 too, which matters when a lease, a permit or a license depends on whether an address is inside city limits.

Buying an existing business in Redding, CA

Buying a small business in Redding, CA involves two kinds of money: the purchase itself and the working cash to run the business after closing. Partners look at the seller's records (tax returns, bank statements, the equipment list) as well as the buyer's, and at whether the business can carry the new payment from its own cash flow.

Our post on buying a mechanic shop in Redding, CA works through one purchase from start to finish, including what to ask the seller before any funding conversation.

Leasing or buying commercial space in Redding, CA

Leasing commercial property in Redding raises the same funding questions: how long is the lease, who pays for the build-out, and does the use fit the zoning? A term loan for improvements should end well before the lease does, and equipment financing for fixtures should match how long you will occupy the space.

Before signing, check zoning and permits with the city and county offices. The Redding, CA license and permits checklist lists the steps to line up first.

Where to find Hazelgrove Lending Group

Hazelgrove Lending Group is listed at 2032 S Market St, Redding, CA 96001. Phone (530) 255-7966. Requests from across the county are handled by phone and online; the map below shows the address.

Read how Hazelgrove works, get contact details, or see the Shasta County towns we list.

Local help in Shasta County, CA

Advising, chamber and economic development contacts are collected on the Shasta County resources page, each awaiting verification before it is listed.

Redding, CA sectors our partners fund

Hazelgrove Lending Group works with Redding, CA businesses of most kinds; contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock are common examples. The partner, not the industry, makes the decision.

Paperwork partners commonly ask for

• Business checking statements covering roughly the last quarter or two
• Business and personal tax returns for the latest year
• Current financial statements: profit and loss plus a balance sheet
• Photo ID for every owner of the business
• A simple schedule of current business debt and monthly payments
• For equipment, the seller's quote with make, model and price

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

1. You call (530) 255-7966 or send the short request form. When we speak, we go over what the money is for, how long you have been in business and roughly what the business brings in.
2. You hear which options match the need and what a partner will likely want to review. We submit nothing without your approval.
3. Once you agree, the request goes to partners that provide that type of funding. The credit decision belongs to each partner.
4. When an offer arrives, weigh its full cost, how payments are scheduled and the conditions. Accepting is entirely your choice.

Everything can be handled by phone or online from Redding, CA.

By Hazelgrove Lending Group · Updated October 18, 2026