Crouse is a Census-designated community split between ZIP 28033 and ZIP 28092. Maiden is a town in Lincoln County, NC and Catawba County, NC, and most of ZIP 28650 lies in Catawba County. Cherryville is a Gaston County, NC city whose ZIP 28021 crosses into Lincoln County, NC. Requests go to funding partners, who decide.
Crouse, NC: a Census-designated community across ZIP 28033 and ZIP 28092
No municipal government covers Crouse, NC; the community sits unincorporated in Lincoln County, NC and is counted by the Census Bureau as a Census-designated place.
About two thirds of Crouse's land lies in ZIP 28033 and the remaining third in ZIP 28092, the ZIP that also contains Lincolnton, NC (Census 2020 ZIP-to-place relationship file, our arithmetic). ZIP 28033 reaches well beyond Crouse and crosses into Gaston County, NC.
ZIP 28033's employer establishments carried 365 paid employees between them in 2023, with an annual payroll of $20.5 million (ZIP Code Business Patterns). For a Crouse business, whether those figures or the ZIP 28092 figures on the Lincolnton, NC page are the nearer measure depends on which side of the ZIP line it operates.
Maiden, NC: payroll in ZIP 28650, a ZIP that is mostly Catawba County, NC land
ZIP 28650, the Maiden, NC postal ZIP, is mostly Catawba County, NC land: about four fifths of it lies in Catawba County and the rest in Lincoln County, NC (Census 2020 ZIP-to-county-subdivision file, our arithmetic). The town of Maiden itself sits in both counties.
Payroll at ZIP 28650 employer establishments came to $140.1 million in 2023, spread over 2,875 paid employees, and the share of those establishments with fewer than five employees was 58.1% (ZIP Code Business Patterns).
Spread over its 2,875 paid employees, ZIP 28650 payroll comes to about $48,717 per employee (our arithmetic). A Maiden employer putting wages into a payroll request can set its own cost per worker beside that ZIP-wide figure.
Cherryville, NC: a Gaston County, NC city whose ZIP reaches into Lincoln County, NC
Cherryville, NC is a city in Gaston County, NC. Nearly all of the city lies in ZIP 28021, yet the city covers less than a tenth of that ZIP's land, and the ZIP spreads into Gaston County, NC, Lincoln County, NC and Cleveland County, NC, with about a third of its land on the Lincoln County side (Census 2020 relationship files, our arithmetic).
The ZIP 28021 payroll for 2023 was $130.8 million across 3,061 paid employees at its employer establishments (ZIP Code Business Patterns).
Among Cherryville residents with jobs, 7.9% (±3.2) were self-employed in the 2020-2024 American Community Survey: 2.5% (±2.0) in their own incorporated business and 5.4% (±2.5) in an unincorporated one. The split matters for a request, since a partner may ask an incorporated business for the company's own tax return and bank statements rather than the owner's.
Lincoln County, NC owners working without paid staff
Nonemployer Statistics counted 7,901 businesses without paid employees in Lincoln County, NC in 2024, construction among them with 1,110. An owner with no staff can request the same funding types as a business with a payroll, and a partner may weigh that owner's bank statements and time in business the same way.
In the 2020-2024 American Community Survey, 10.7% (±1.5) of the county's employed residents were self-employed: 4.0% (±0.8) in their own incorporated business and 6.7% (±1.3) in an unincorporated one. The city's own self-employment share and the ZIP 28092 counts sit on the Lincolnton, NC page.
An early-payment discount from a supplier: a worked case for a business near Lincolnton, NC
Illustration only, invented figures: a business near Lincolnton, NC receives a $24,500 supplier invoice that offers a 2% discount for payment by day 10, with the full amount due at day 30. Paying early takes $490.00 off, so the bill becomes $24,010.00.
Staying with the invented figures: if the business draws $24,010.00 on a line of credit at a 13.6% annual rate on day 10 and clears it on day 30, when the cash would have gone out anyway, the 20 days of interest come to $178.92 (simple daily interest, our arithmetic). The discount beats the interest by $311.08, so in this case the draw pays for itself. A longer draw or a partner fee on the line would narrow that margin.
Supplier bills like this one can go to a line of credit or a working capital request.
Reading county and ZIP figures for a place outside Lincolnton, NC
County Business Patterns counts employer establishments by county, and ZIP Code Business Patterns counts them by ZIP, placing each business where it physically operates. Neither follows the limits of a city or a community, so every ZIP figure on this page describes an area that reaches past the place it is named for.
Two habits help when reading them. Check which counties a ZIP crosses before treating it as part of one county. Keep counts of businesses without paid employees (Nonemployer Statistics) apart from employer counts, because the two programs measure different things.
By Plumbend Lending Group · Updated
