Hazelgrove Lending Group, based in Redding, CA, takes business funding requests from Cottonwood, CA by phone and online. ZIP 96022 counted 165 employer establishments in 2023, 45 of them in construction. This page covers those figures, the share of very small employers, a ZIP that reaches into Tehama County, and licensing for an unincorporated address.
| ZIP 96022 employers (2023) | 165 |
|---|---|
| Under five employees | 69.7% |
| Construction employers | 45 (80% under five) |
| Annual payroll (2023) | $37.9 million |
| Paid employees (2023) | 839 (noise-infused) |
| Distance | About 14 miles SSE of Redding, CA |
Cottonwood, CA businesses: a ZIP of very small employers
ZIP Code Business Patterns counted 165 employer establishments in ZIP 96022 in 2023, and 69.7% had fewer than five employees, the highest small-employer share among the four community ZIPs on this site. Construction led with 45 establishments, 80% of them under five employees. Retail followed with 20, then transportation and warehousing (14), accommodation and food services (13), professional services (12), health care (11), other services (10) and wholesale trade (8).
The ZIP reported 839 paid employees and $37.9 million in payroll. By our arithmetic that is about 5 employees per establishment and roughly $45,200 per employee, approximate because employment counts are noise-infused.
ZIP 96022 reaches beyond Cottonwood, CA and into Tehama County, CA
Cottonwood is a Census-designated place, and all of its land is in ZCTA 96022, but it covers just 5.3% of the ZCTA's land. Lake California, a community in Tehama County, CA, also lies entirely inside the ZCTA. So a Cottonwood mailing address can belong to a business in either county, which can matter for licensing and permits; confirm with the county offices.
Funding that fits Cottonwood, CA businesses
With small construction firms leading the ZIP, the needs can include crew and materials between progress payments and the trucks and tools to do the work. The contractor funding page covers lines of credit and equipment for builders, and trade pages such as electrical contractors go further.
Hauling and storage businesses (14 in the ZIP) and retailers (20) may look at vehicles and stock; see equipment financing.
Cottonwood, CA business license questions
For a Cottonwood, CA business license, first confirm the county of the address, then ask that county's offices about the rules for unincorporated areas. Does California require a business license at all? That depends on the business type and the local government.
Cottonwood, CA commercial real estate
For owners weighing Cottonwood, CA commercial real estate, the funding questions on this site cover what goes inside the building rather than the building itself: improvements on a term loan and fixtures or machinery on equipment financing. Commercial mortgages are outside what partners here arrange.
Reaching Hazelgrove from Cottonwood, CA
Requests come in by phone and online. County figures are on the Redding, CA page, sectors on the industries page, and nearby places on the areas page.
Cottonwood, CA businesses we help
Owners in Cottonwood, CA come from many trades and services, such as contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock. Partners review each request on its own merits.
Documents to have ready
- Business and personal tax returns for the latest year
- A year-to-date profit and loss statement and balance sheet
- Photo ID for every owner of the business
- Your articles of organization or incorporation and the EIN letter
- Details of any loans, leases or advances the business already carries
- A written quote or invoice if the money is for equipment
Each lending partner sets its own list, so treat this as a starting point.
What happens after you reach out
- Reach us at (530) 255-7966 or through the contact form. When we call back, the first questions are simple: what the funding is for, how long the business has operated and its rough revenue.
- We explain which funding types fit that use and what partners usually need to see. Nothing is submitted without your go-ahead.
- Once you agree, the request goes to partners that provide that type of funding. The credit decision belongs to each partner.
- If a partner makes an offer, you compare the total cost, payment schedule and terms. You are never obligated to accept.
Everything can be handled by phone or online from Cottonwood, CA.
