Aspenwater Credit, a small-business funding broker in Dover, Delaware, works with Harrington, DE owners by phone and online. ZIP 19952 had 174 employer establishments in 2023 employing 2,641 people, with construction and retail the largest sectors (Census ZBP). Lending partners, not Aspenwater Credit, make the credit decision and set rates and terms.
| County | Kent County, DE |
|---|---|
| Distance | About 16.2 miles S of Dover, DE |
| ZIP 19952 employers | 174 in 2023 (Census ZBP) |
| Employees in ZIP 19952 | 2,641 |
| Largest sectors | Construction 33, retail 29 |
Reading the ZIP 19952 numbers
Harrington covers about 3 percent of ZIP 19952's land, so the business counts below describe the wider ZIP, not just the city. In 2023 that ZIP had 174 employer establishments, 2,641 employees and roughly $114.7 million in annual payroll (U.S. Census Bureau, ZIP Code Business Patterns 2023).
Only 51.1 percent of those establishments had fewer than five employees, and the average establishment had about 15 employees, which points to a fair number of mid-sized employers alongside the one- and two-person firms. ZIP boundaries do not follow county lines, so these figures are kept apart from the Kent County totals.
Contractors, stores and wholesalers
Construction led the ZIP with 33 employer establishments, nearly 70 percent of them under five employees. Retail had 29, other services 23, accommodation and food services 15 and wholesale trade 12 (U.S. Census Bureau, ZIP Code Business Patterns 2023).
Wholesalers and larger stores share a cash-flow pattern: they pay suppliers well before their own customers pay them. Contractors share a different one: materials and labor up front, payment on completion or by draw.
Matching the funding to the pattern
A wholesaler or store buying stock in volume can look at inventory financing, where the goods themselves secure the balance. A business adding a building, a loading area or a second site with a known budget is a candidate for a business term loan, repaid on a fixed schedule. Either way, a lending partner reviews the records and decides.
Questions a partner is likely to ask in Harrington, DE
- For inventory: how quickly the stock sells and who the main customers are
- For a building project: the budget, the lease or deed, and any permits the work needs
- For any request: recent bank statements, existing debts and how long the business has operated
Having those answers ready shortens the back-and-forth. A partner may still ask for more, and may decline; Aspenwater Credit cannot predict either.
Harrington, DE and the rest of Kent County, DE
Harrington is a Kent County city, so county-wide figures describe its wider area. Across Kent County, retail trade had 670 employer establishments and wholesale trade 202 in 2023, and 42.2 percent of the retail employers had fewer than five employees (U.S. Census Bureau, County Business Patterns 2023). Kent County also had 385 construction employer establishments, most of them small. For a store or distributor in the Harrington area, the numbers say the competition is a mix of very small shops and a few larger operators, and a funding request is judged on the business's own records, not on the county's.
Harrington, DE registration questions
City requirements for opening or expanding a business are set by the City of Harrington.
How Harrington, DE owners reach us
Aspenwater Credit is listed at 146 S Governors Ave, Dover, DE, with no staff in Harrington. Call (302) 307-0447 or send the online request. For county context see the Dover, DE business profile; for other towns, the full list of towns.
Harrington, DE sectors our partners fund
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 Harrington, DE. Each partner still decides case by case.
Documents to have ready
- The last three to six months of business bank statements
- Your most recent business tax return
- An up-to-date P&L and balance sheet, even if you prepare them yourself
- Government-issued ID for each owner
- Details of any loans, leases or advances the business already carries
- For equipment, the seller's quote with make, model and price
Partners differ in what they request; this list covers the usual ground.
From first call to a partner's decision
- Reach us at (302) 307-0447 or through the contact form. When we call back, the first questions are simple: what the funding is for, how long the business has operated and its rough revenue.
- We explain which funding types fit that use and what partners usually need to see. Nothing is submitted without your go-ahead.
- Once you agree, the request goes to partners that provide that type of funding. The credit decision belongs to each partner.
- If a partner makes an offer, you compare the total cost, payment schedule and terms. You are never obligated to accept.
Aspenwater Credit is based at 146 S Governors Ave, Dover, DE 19904.
By Aspenwater Credit · Updated