Clayridge Lending's Enid, OK page gathers Garfield County, OK business figures from the Census Bureau, sector counts with links to industry funding pages, ZIP-level data, commercial property and restaurant context, and permit and licensing guides. Business funding requests start by phone or online, and funding partners decide.
| County employer establishments (2023) | 1,532 |
|---|---|
| Under five employees | 51.7% |
| Businesses with no payroll (2024) | 4,578 |
| Biggest sector by count | Retail trade, 254 |
| Biggest payroll | Health care, about $162.0 million |
Enid, OK small business at a glance: Garfield County, OK figures
Garfield County, OK had 1,532 employer establishments in 2023, employing 20,094 people with about $920.5 million in annual payroll (U.S. Census Bureau, County Business Patterns 2023). Most were small: 792 had one to four employees, 313 had five to nine, and 206 had ten to nineteen. In a separate count, 4,578 businesses filed receipts without any paid employees in 2024 (U.S. Census Bureau, Nonemployer Statistics 2024); that count comes from a different program and year, so it is not added to the employer total.
About 10.2% (+/- 1.4) of the county's employed residents were self-employed, against 10.6% (+/- 0.2) statewide and 8.3% (+/- 1.5) for residents of Enid, OK itself (U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates). The margins overlap, so these shares are not meaningfully different from one another.
Garfield County, OK industries that have their own funding page
| Industry | Employer establishments | Funding page |
|---|---|---|
| Restaurants (full-service and limited-service) | 91 | Restaurant funding |
| Gasoline stations and convenience stores | 45 | Gas station and c-store funding |
| Legal services | 41 | Law firm funding |
| Chiropractors, therapists, optometrists and similar (NAICS 6213) | 40 | Chiropractic and therapy practices |
| Offices of physicians | 33 | Physician practices |
| Auto repair and maintenance | 32 | Auto repair shops |
Source: U.S. Census Bureau, County Business Patterns 2023. The restaurant row is our sum of NAICS 722511 (45) and 722513 (46), and the gas station and convenience store row is our sum of NAICS 4471 (38) and 445120 (7). Every industry with a page, including construction and retail, is on the industry list.
What ZIP 73701 holds, employer by employer
ZIP 73701 had 661 employer establishments, 10,790 paid employees and about $565.3 million in annual payroll in 2023, and 49.6% of those establishments had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023). Retail trade (98), health care and social assistance (96), other services (67), professional services (65) and construction (61) had the most establishments.
ZIP lines follow mail delivery, not city limits. The city of Enid, OK covers 28.4% of ZIP 73701's land, and only about 55.8% of the city's land lies in that ZIP; most of the rest is in ZIP 73703 (2020 Census ZCTA-to-place relationship file). An Enid mailing address is not proof of being inside city limits.
Enid, OK commercial property for sale: funding the purchase
Owners looking at commercial property in Enid, OK or at downtown real estate purchases may be weighing a building for their own business. Funding for that can be a long-term loan secured by the property, sometimes paired with a term loan or equipment financing for the fit-out. Partners review the purchase contract, an appraisal, the business's own cash flow and the down payment.
Before you commit, confirm with the city that the intended use is allowed at the address: Enid, OK zoning and building permits covers where to start. Garfield County, OK had 28 employer establishments in the lessors of real estate industry in 2023 (U.S. Census Bureau, County Business Patterns 2023), a reminder that leasing from a local owner is the other route.
Enid, OK downtown restaurants and what they might fund
There is no Census count for downtown alone. ZIP 73701 had 16 full-service and 12 limited-service restaurant employer establishments in 2023 (U.S. Census Bureau, ZIP Code Business Patterns 2023); county-wide the figures were 45 and 46 (U.S. Census Bureau, County Business Patterns 2023). Kitchen equipment, remodels and covering payroll between card deposits are three things a restaurant owner might fund; the restaurant funding page covers each, and equipment financing explains used kitchen gear.
Business loans in Enid, Oklahoma: where to start
Funding needs here can be sorted into three groups: payroll and payables, which point to working capital; equipment and vehicles; and expansion or buying a business. Gasoline stations plus convenience stores are a distinct group because fuel and stock tie up cash; funding for gas stations and convenience stores covers that cycle, and funding for law firms covers receivables and contingency matters.
Licensing, permits and local offices
The City of Enid's official website is enid.org and Garfield County's is garfieldok.com (both checked as live on October 18, 2026). Trade contractors can read the Oklahoma trade licensing guide before a funding request, since partners may ask for a license number.
Where Clayridge Lending is
Clayridge Lending, 109 E Broadway Ave, Enid, OK 73701. Phone (580) 205-2613. Requests are handled by phone and online; more about the business is on the about page and directions are on the contact page.
Owners in nearby towns, from Hennessey, OK to Waukomis, OK, can use the same phone line; see the towns we serve.
Enid, OK sectors our partners fund
Funding partners consider businesses across most industries in Enid, OK, from contractors and construction trades and restaurants and food service to medical and dental practices and retailers and wholesalers that carry stock. Each partner still decides case by case.
Paperwork partners commonly ask for
- Recent business bank statements (partners often ask for three to six months)
- Business and personal tax returns for the latest year
- An up-to-date P&L and balance sheet, even if you prepare them yourself
- A driver's license or passport for each owner
- Formation documents and your EIN
- Details of any loans, leases or advances the business already carries
No two partners ask for exactly the same file, so use this as a checklist rather than a rule.
How a request moves forward
- It starts with a call to (580) 205-2613 or the short contact form. On the phone we cover the purpose of the funds, time in business and approximate monthly revenue.
- 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.
- After you give the go-ahead, we share the request with suitable lending partners, and each one decides on its own.
- 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.
Owners in Enid, OK can start by phone or with the short online form; no office visit is needed.
By Clayridge Lending · Updated
