Silvershore Funding Group, a small-business funding broker in Flagstaff, Arizona, works with Sedona owners from its Flagstaff office by phone, online or in person. ZIP 86336 had 795 employer establishments in 2023, led by retail, and an estimated 32.5 percent of Sedona's employed residents are self-employed. Lending partners, not Silvershore, make credit decisions and set rates and terms.
Sedona, AZ and the office in Flagstaff, AZ
Sedona is 24.8 straight-line miles south-southwest of our office at 10 N Leroux St, Flagstaff, AZ 86001 (U.S. Census Bureau, 2025 Gazetteer). The city spans two counties, Coconino and Yavapai (U.S. Census Bureau, 2020 place-by-county file), so county-level figures for Coconino alone do not describe it, and we do not use them here. Silvershore Funding Group has no office or staff in Sedona; owners there call (928) 239-1321, send a request online, or come to Flagstaff.
Businesses in ZIP 86336
Federal business counts come by ZIP code, not by city. ZIP 86336 covers all of Sedona and much more besides: the city takes up only 9.0 percent of the ZIP's land (U.S. Census Bureau, 2020 ZIP-to-place relationship file). These are ZIP 86336 figures, not city-limit figures.
| Measure | ZIP 86336 |
|---|---|
| Employer establishments | 795 |
| Paid employees (March 2023 pay period) | 7,374 |
| Annual payroll | $319.4 million |
| Share with fewer than five employees | 57.9% |
| Retail trade | 169 establishments |
| Accommodation and food services | 124 |
| Real estate and rental and leasing | 82 |
| Health care and social assistance | 73 |
| Construction | 52 |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023. Two contrasts with ZIP 86001, the Flagstaff ZIP where our office is: retail, not health care, has the most employer establishments, and a larger share of employers have fewer than five staff (57.9 percent against 52.2 percent).
A high share of self-employed residents
An estimated 32.5 percent of Sedona's employed residents were self-employed, plus or minus 9.4 points (U.S. Census Bureau, American Community Survey 2020-2024). Even the low end of that range is more than twice Arizona's 9.9 percent. Most of them, an estimated 23.3 percent of employed residents, run unincorporated businesses; 9.3 percent own incorporated ones.
That mix shapes funding requests. An unincorporated business has no legal identity separate from its owner, so partners lean on the owner's personal credit, tax returns and bank history. Keeping business money in a separate business account, with clean records, is one of the most useful things a sole proprietor can do before asking for funding.
Funding questions that fit the business mix in Sedona, AZ
With retail the largest employer sector in the ZIP, buying stock ahead of sales is a common need. Inventory financing uses that stock as collateral and is paid down as it sells. Food and accommodation businesses, the second-largest group, tend to finance kitchens and equipment and to manage large payrolls; the restaurant financing page covers both.
Whatever the need, the process is the same as in Flagstaff: you describe what the money is for, we match it to a funding type and to partners that offer it, and a partner decides.
Registration for a Sedona, AZ business
LLCs and corporations anywhere in Arizona register with the Arizona Corporation Commission, and transaction privilege tax (TPT) licensing runs through the Arizona Department of Revenue. Local business licensing is set by each city: the City of Flagstaff's license covers locations in Flagstaff, so check the City of Sedona's own requirements for a Sedona location. Partners usually ask to see the state registration and any local license. Business data and resources for the office's home city are on our Flagstaff page, and other nearby places are listed with communities across Coconino County.
Sedona, AZ businesses we help
Our partners have confirmed appetite for four kinds of business: contractors and construction trades, restaurants and food service, medical and dental practices, and retailers and wholesalers that carry stock. If your Sedona, AZ business is something else, call and ask before you spend time on paperwork.
What to gather before you call
- Recent business bank statements (partners often ask for three to six months)
- Current financial statements: profit and loss plus a balance sheet
- Photo ID for every owner of the business
- Formation documents and your EIN
- Details of any loans, leases or advances the business already carries
- A written quote or invoice if the money is for equipment
No two partners ask for exactly the same file, so use this as a checklist rather than a rule.
The steps after your first call
- It starts with a call to (928) 239-1321 or the short form. We cover the purpose of the funds, time in business and approximate monthly revenue.
- You hear which options match the need and what a partner will likely want to review. We submit nothing without your approval.
- After you give the go-ahead, we share the request with suitable lending partners, and each one decides on its own.
- When an offer arrives, weigh its full cost, how payments are scheduled and the conditions. Accepting is entirely your choice.
Silvershore Funding Group is based at 10 N Leroux St, Flagstaff, AZ 86001.
By Silvershore Funding Group · Updated