Silvershore Funding Group, a small-business funding broker in Flagstaff, Arizona, works from 10 N Leroux St. ZIP 86001, the office's ZIP, had 1,451 employer establishments in 2023, and Coconino County had 3,955. This page covers that data, Flagstaff licensing and TPT steps, and free local advisers. Lending partners, not Silvershore, make credit decisions and set terms.
| Office | 10 N Leroux St, Flagstaff, AZ 86001, inside Flagstaff city limits |
|---|---|
| Phone | (928) 239-1321 |
| ZIP 86001 | 1,451 employer establishments in 2023 (U.S. Census Bureau, ZIP Code Business Patterns 2023) |
| Coconino County | 3,955 employer establishments in 2023 (U.S. Census Bureau, County Business Patterns 2023) |
| Owner-only businesses | 10,714 in the county in 2024 (Nonemployer Statistics) |
| Who decides | Lending partners, not Silvershore Funding Group |
The office on Leroux Street
Our office is at 10 N Leroux St, Flagstaff, AZ 86001. The Census Bureau's geocoder places the address inside Flagstaff city limits in Coconino County. Owners can come in, call (928) 239-1321, or send a request online. Silvershore Funding Group is a broker, not a lender; who we are explains what that means in practice, and the contact page has the map link.
Businesses in the office's ZIP code
Federal business counts are published by ZIP code, and ZIP codes do not follow city limits. ZIP 86001 reaches far beyond Flagstaff: the city covers 5.6 percent of the ZIP's land, and the ZIP covers about a quarter of the city's land (U.S. Census Bureau, 2020 ZIP-to-place relationship file). Read the figures below as the 86001 area, not the whole city.
| Measure | ZIP 86001 |
|---|---|
| Employer establishments | 1,451 |
| Paid employees (March 2023 pay period) | 20,193 |
| Annual payroll | $975.6 million |
| Share with fewer than five employees | 52.2% |
| Health care and social assistance | 254 establishments |
| Accommodation and food services | 209 |
| Professional, scientific and technical services | 185 |
| Retail trade | 163 |
| Construction | 94 |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023. Health care has the most employer establishments in the ZIP, followed by accommodation and food services. More than half of the area's employers have fewer than five staff, which is the scale most funding requests come from.
Coconino County at a glance
Across the county, 3,955 employer establishments employed 51,178 people in the March 2023 pay period and paid $2.41 billion in annual payroll (U.S. Census Bureau, County Business Patterns 2023). Most were small: 2,089 had fewer than five employees, and 85.0 percent had fewer than 20.
Another 10,714 businesses had no paid employees at all in 2024, with combined receipts of $562.9 million (U.S. Census Bureau, Nonemployer Statistics 2024). Those are different programs and years, so the two counts should not be added together, but together they show how much of the county's business activity is run by owners with small teams or none.
Self-employment in Flagstaff, AZ
An estimated 7.7 percent of Flagstaff's employed residents, plus or minus 1.1 points, were self-employed, split roughly evenly between owners of incorporated businesses (3.6 percent) and unincorporated ones (4.1 percent) (U.S. Census Bureau, American Community Survey 2020-2024). The state figure was 9.9 percent, plus or minus 0.2, so Flagstaff's share is lower than Arizona's even allowing for the margins of error.
The unincorporated half matters for funding. A sole proprietor's request leans heavily on personal credit and personal tax returns, because the business has no separate legal identity. Partners reviewing an incorporated business still often ask the owners for a personal guarantee.
Building activity in the county
Residential building permits give contractors one view of local demand. Coconino County authorized 1,123 new housing units in 2023, 703 in 2024 and 634 in 2025 (U.S. Census Bureau, Building Permits Survey). The count covers new residential units only, not remodels or commercial work, so it is a partial picture; the contractor financing page looks at what it means for the trades.
Licenses, TPT and registration in Flagstaff, AZ
The City of Flagstaff states that "a business license is required for each permanent business location in the city, unless you are exempt" (City of Flagstaff, Business Licenses, checked October 2026). The city's license page also points to Arizona Department of Revenue pages on transaction privilege tax (TPT), Arizona's tax on business activity. LLCs and corporations register with the Arizona Corporation Commission.
Partners commonly ask for proof of all three before funding. Our Flagstaff business license and TPT checklist sets out what to have in place before you apply.
Free help in Flagstaff, AZ before you borrow
- Arizona SBDC at Coconino Community College: the Small Business Development Center network's local centre for one-on-one advising. Centre page.
- ECoNA (Economic Collaborative of Northern Arizona): the regional economic development organization, linked from the City of Flagstaff's business page. econa-az.com.
- Choose Flagstaff: the city-run economic development site, also linked from the city's business page. chooseflagstaff.com.
- Greater Flagstaff Chamber of Commerce: the local chamber. flagstaffchamber.com.
- SBA Arizona District Office: lists Coconino County among the counties it serves. SBA Arizona.
Links checked October 2026. Silvershore Funding Group has no affiliation with these organizations. The Northern Arizona resources directory describes each one in more detail.
Funding questions that fit the business mix in Flagstaff, AZ
Food service, retail, health care and construction lead the county's employer counts, and each borrows differently. Practices tend to finance equipment and build-outs; restaurants face large, frequent payrolls; retailers buy stock ahead of sales; contractors pay crews and suppliers before draws arrive. The industry pages take each in turn, and the six funding options are compared by repayment. For a timing gap, start with working capital; for a single asset, equipment financing.
Communities around Flagstaff, AZ
We work with businesses in Sedona, Bellemont, Doney Park, Kachina Village and the other places around the city by phone, online or at the Flagstaff office. Communities across Coconino County are listed with their distances from the office.
Flagstaff, AZ businesses we help
For Flagstaff, AZ owners, Silvershore Funding Group focuses on the sectors our lending partners have confirmed they fund: contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock. Approval is never automatic for any sector.
Documents to have ready
- Your most recent business tax return
- Current financial statements: profit and loss plus a balance sheet
- Government-issued ID for each owner
- Proof of ownership and business registration
- A simple schedule of current business debt and monthly payments
- A written quote or invoice if the money is for equipment
Partners differ in what they request; this list covers the usual ground.
From first call to a partner's decision
- You call (928) 239-1321 or send the short form. We ask what the money is for, how long you have been in business and roughly what the business brings in.
- We walk through the funding types that suit that purpose and the paperwork partners tend to ask for. Nothing goes out until you say so.
- Once you agree, the request goes to partners that provide that type of funding. The credit decision belongs to each partner.
- Any offer comes from the partner. Read the total cost, the payment schedule and the terms before deciding; turning it down is always an option.
Silvershore Funding Group is based at 10 N Leroux St, Flagstaff, AZ 86001.
By Silvershore Funding Group · Updated