Bellgrove Lenders, a small-business funding broker in Appleton, Wisconsin, works with Kaukauna, WI owners by phone and online. ZIP 54130 had 653 employer establishments in 2023, 146 of them in construction, and 53.6 percent of all establishments had fewer than five employees (Census ZBP). Lending partners make each credit decision and set the terms.
| Counties | Calumet and Outagamie counties, WI |
|---|---|
| Distance | About 7.2 straight-line miles east |
| ZIP 54130 employers | 653 in 2023 (Census ZBP) |
| Construction employers | 146 in ZIP 54130 |
| Under five employees | 53.6% of ZIP 54130 employers |
Kaukauna, WI and ZIP 54130
Kaukauna is a city about 7.2 straight-line miles east of Appleton, WI, lying in Calumet County and Outagamie County (Census 2020 place-by-county file). Because it spans two counties, county-wide figures are not used to describe it here. All of Kaukauna lies in ZIP 54130, but the city covers only about 10 percent of that ZIP's land (Census 2020 ZIP code relationship file), so ZIP figures include a wide area around the city.
A construction-heavy ZIP
ZIP 54130 had 653 employer establishments in 2023, with 10,041 paid employees and about $644.0 million in annual payroll; 53.6 percent had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023).
| Sector | Establishments | Share under five employees |
|---|---|---|
| Construction | 146 | 58.9% |
| Other services | 67 | 65.7% |
| Manufacturing | 58 | 32.8% |
| Administrative and support services | 52 | 73.1% |
| Retail trade | 50 | 36.0% |
| Accommodation and food services | 49 | 34.7% |
| Health care and social assistance | 44 | 52.3% |
| Wholesale trade | 43 | 25.6% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023. Construction had more than twice as many establishments as the next sector.
What contractors in the 54130 area usually need
With 146 construction establishments, most of them small crews, the funding questions in this ZIP tend to follow the contractor's year:
- Materials before the draw. Lumber, wire or pipe bought for a job that pays on completion or in stages.
- Payroll between progress payments. A crew paid weekly while the general contractor pays monthly, with retainage held back.
- A machine or a truck for a bigger job. A skid steer or a service van financed on its own schedule.
- Bonding and insurance costs that land before the first invoice.
A revolving line of credit fits the first two; equipment financing fits the third. Contractor-specific questions are covered on the construction page.
Beyond construction in ZIP 54130
The ZIP's 58 manufacturing and 43 wholesale employers stand out for size: only 32.8 percent and 25.6 percent of them had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023). Larger firms like these tend to finance production equipment and stock rather than day-to-day gaps, and partners reviewing them usually ask for full financial statements.
Self-employment in Kaukauna, WI
About 6.4 percent (plus or minus 2.4) of employed Kaukauna residents are self-employed (U.S. Census Bureau, American Community Survey 2020-2024, 5-year estimates). The margin of error is wide, so treat it as a rough figure.
Working with Bellgrove from Kaukauna, WI
Bellgrove's only address is 123 S Appleton St, Appleton, WI 54911. Kaukauna owners call or send the short form. The Appleton, WI page covers the office area, and the hub lists every nearby town.
Kaukauna, WI 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 Bellgrove Lenders works with businesses like these in Kaukauna, WI. 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
- A driver's license or passport for each owner
- Formation documents and your EIN
- A list of existing business debts and payments
- A written quote or invoice if the money is for equipment
Each lending partner sets its own list, so treat this as a starting point.
What happens after you reach out
- Reach us at (920) 260-3971 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.
Our address: 123 S Appleton St, Appleton, WI 54911.
By Bellgrove Lenders · Updated
