Windwood Funding Group, a small-business funding broker in Fayetteville, Arkansas, works with Farmington, AR owners by phone and online. ZIP 72730, which covers Farmington, had 205 employer establishments in 2023, and 64.9 percent had fewer than five employees (Census ZBP). Every credit decision, rate and term belongs to the lending partner.
| County | Washington County, AR |
|---|---|
| Distance | About 5.5 miles WSW of Fayetteville, AR |
| ZIP 72730 employers | 205 in 2023 (Census ZBP) |
| Under five employees | 64.9% of ZIP 72730 employers |
| Largest sector in 72730 | Construction, 42 establishments |
Farmington, AR and its ZIP code
Almost all of Farmington, AR, about 98 percent of its land, lies in ZIP 72730, and the town covers a little under half of that ZIP's land (U.S. Census Bureau 2020 ZIP code relationship files). ZIP figures on this page therefore describe the town and its rural edge together, and carry the ZIP label.
In 2023, ZIP 72730 had 205 employer establishments with 1,536 paid employees and about $62.3 million in annual payroll (U.S. Census Bureau, ZIP Code Business Patterns 2023). Nearly two thirds, 64.9 percent, had fewer than five employees, a higher share than the 51.7 percent across Washington County, AR (U.S. Census Bureau, County Business Patterns 2023).
A construction-led mix
| Sector | Establishments | Share under five employees |
|---|---|---|
| Construction | 42 | 61.9% |
| Health care and social assistance | 23 | 60.9% |
| Retail trade | 21 | 42.9% |
| Accommodation and food services | 21 | 33.3% |
| Other services | 20 | 80.0% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023. One in five employers in the ZIP is a contractor, and most are small. Those firms typically ask about two things: covering payroll and materials between progress payments, and financing a trailer, compact loader or work pickup without draining operating cash.
Self-employment among Farmington, AR residents
An estimated 10.3 percent of employed Farmington, AR residents were self-employed, but the margin of error is wide, plus or minus 4.1 points (U.S. Census Bureau, American Community Survey 2020-2024), so the figure cannot be called higher or lower than the state's 10.4 percent. Most of those owners, an estimated 8.7 percent of workers, ran unincorporated businesses.
Thin files, and how to thicken them
Very small, owner-run firms often have thin files: short bank histories, personal and business money mixed, few financial statements. Before a partner sees the request, it helps to separate accounts, keep three or more months of business statements, and write down what each job or contract will pay and when. Washington County, AR context on contractors is on our Fayetteville, AR page.
Reaching Windwood from Farmington, AR
The office address is 20 E Center St in Fayetteville, AR. Owners in Farmington, AR start by phone at (479) 214-9967 or through the online form; documents go to the lending partner when it asks for them. The Washington County picture and neighboring towns give wider context.
Farmington, AR businesses we help
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, and Windwood Funding Group works with businesses like these in Farmington, AR. Each partner still decides case by case.
What to gather before you call
- The last three to six months of business bank statements
- Business and personal tax returns for the latest year
- Photo ID for every owner of the business
- Your articles of organization or incorporation and the EIN letter
- A simple schedule of current business debt and monthly payments
- The equipment quote, contract or purchase order the funding is for
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 (479) 214-9967 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.
- If a partner makes an offer, you compare the total cost, payment schedule and terms. You are never obligated to accept.
Our office is at 20 E Center St, Fayetteville, AR 72701.
By Windwood Funding Group · Updated