Aspenwater Credit, a small-business funding broker in Dover, Delaware, works with Felton, DE owners by phone and online. ZIP 19943 had 130 employer establishments in 2023, two-thirds with fewer than five employees, and construction was the largest sector (Census ZBP). Lending partners, not Aspenwater Credit, make credit decisions and set rates and terms.
| County | Kent County, DE |
|---|---|
| Distance | About 10.4 miles SSW of Dover, DE |
| ZIP 19943 employers | 130 in 2023 (Census ZBP) |
| Fewer than five employees | 66.9% of ZIP 19943 employers |
| Largest sector | Construction, 32 establishments |
Felton, DE and ZIP 19943
Business counts are published by ZIP code, so the figures here describe ZIP 19943 as a whole. Felton itself covers only about 1.3 percent of that ZIP's land; most of the rest is surrounding countryside and smaller communities that share the post office.
ZIP 19943 had 130 employer establishments in 2023. Together they employed 685 people and paid about $37.4 million in annual payroll, and 66.9 percent had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023).
Because the town sits inside Kent County, the county-wide figures on the Dover, DE business profile also describe its surroundings.
A trades-heavy ZIP code
Construction was the largest sector in ZIP 19943, with 32 employer establishments, about one in four of the total. Retail followed with 23, then administrative and support services with 14 and other services with 11 (U.S. Census Bureau, ZIP Code Business Patterns 2023). Transportation, real estate and professional services had 7 each.
In a mix like that, the typical funding questions are about machines and timing: a compact excavator or trailer for a small crew, materials bought before a homeowner or general contractor pays, a truck for a trade rather than a fleet.
Funding that fits small crews in Felton, DE
For a single machine, equipment financing lets the equipment secure the agreement, which keeps other assets out of it. For materials and wages between jobs, a business line of credit can be drawn for each job and paid down when it closes. Neither is right for covering ongoing losses.
Aspenwater Credit does not take trucking or agriculture requests, so a hauling business or a farm operation is not a fit even though both appear in the area.
Kent County, DE contractors in context
Felton lies wholly inside Kent County, so the county's construction figures apply to its surroundings. Kent County had 385 construction employer establishments in 2023, and 265 of them, 68.8 percent, had fewer than five employees; specialty trade contractors such as electricians, plumbers and roofers made up 265 of the 385 (U.S. Census Bureau, County Business Patterns 2023). Another 1,431 construction businesses in the county had no paid employees at all in 2024 (U.S. Census Bureau, Nonemployer Statistics 2024).
Small crews like these rarely have a finance department. The practical preparation is simple and makes a request easier for any partner to read.
Before a Felton, DE contractor calls
- The quote for the machine or the materials, with model, year and condition for used equipment
- A list of booked jobs and when each one pays
- Recent business bank statements kept separate from personal accounts
- Any equipment loans, credit lines or advances already being paid
A request that shows where the payments will come from is easier to review than one that only states an amount.
Local registration
Owners who start a business in Felton deal with state registration and any town requirements before a partner will review a request.
Working with Aspenwater Credit from Felton, DE
Aspenwater Credit has one address, 146 S Governors Ave in Dover, DE, and no staff in Felton. Owners there reach us by phone at (302) 307-0447 or through the online request; the process is the same for every town. Other nearby communities are on the full list of towns.
Felton, DE 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 Aspenwater Credit works with businesses like these in Felton, DE. Each partner still decides case by case.
Paperwork partners commonly ask for
- 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 list of existing business debts and payments
- The equipment quote, contract or purchase order the funding is for
Partners differ in what they request; this list covers the usual ground.
What happens after you reach out
- You call (302) 307-0447 or send the short form (name, contact details and business name). When we speak, we ask what the money is for, how long you have been in business and roughly what the business brings in.
- We explain which funding types fit that use and what partners usually need to see. Nothing is submitted without your go-ahead.
- 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.
Our address: 146 S Governors Ave, Dover, DE 19904.
By Aspenwater Credit · Updated