Cloverglen Finance, a small-business funding broker in Muncie, Indiana, works with Anderson, IN owners in Madison County by phone and online. ZIP 46013 had 447 employer establishments and 8,074 paid employees in 2023, led by retail and food service (Census ZBP). Lending partners alone make credit decisions and set rates and terms.
| County | Madison County, IN |
|---|---|
| Distance | About 17.5 miles WSW of the office |
| ZIP 46013 employers | 447 in 2023 (Census ZBP) |
| Paid employees | 8,074 in ZIP 46013 |
| Self-employed residents | 7.2%, +/- 1.2 (ACS 2020-2024) |
Anderson, IN and ZIP 46013
Anderson is in Madison County, Indiana, so Delaware County figures do not describe it. ZIP 46013 carries the Anderson postal name, and the city covers about 62 percent of its land. In 2023 the ZIP had 447 employer establishments, 8,074 paid employees and an annual payroll of about $308.2 million; 42.3 percent of the establishments had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023).
Stores, kitchens and clinics
| Sector | Establishments | Share under 5 employees |
|---|---|---|
| Retail trade | 96 | 31.2% |
| Accommodation and food services | 55 | 18.2% |
| Health care | 52 | 30.8% |
| Other services | 44 | 52.3% |
| Finance and insurance | 30 | 56.7% |
| Administrative services | 29 | 55.2% |
| Real estate | 26 | 69.2% |
Only 18.2 percent of the food-service establishments had fewer than five employees, so most carry a sizable payroll every week. Restaurants and shops with steady card sales are also the businesses most likely to receive merchant cash advance offers. An advance is not a loan, and its total cost should be weighed against working capital or a line of credit before anyone signs.
Self-employment in Anderson, IN
An estimated 7.2 percent of employed Anderson residents were self-employed, plus or minus 1.2 points, a range that overlaps Indiana's 8.0 percent. Most of them, about 5.6 percent, ran unincorporated businesses (U.S. Census Bureau, American Community Survey 2020-2024).
Requests from Anderson, IN
Anderson owners reach us by phone or online. Census figures for the county describe Delaware County, Indiana only, and nearby East Central Indiana towns are listed on the communities page.
Anderson, IN 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 Cloverglen Finance works with businesses like these in Anderson, IN. Each partner still decides case by case.
Documents to have ready
- Business checking statements covering roughly the last quarter or two
- Business and personal tax returns for the latest year
- An up-to-date P&L and balance sheet, even if you prepare them yourself
- Photo ID for every owner of the business
- A list of existing business debts and payments
- The equipment quote, contract or purchase order the funding is for
Each lending partner sets its own list, so treat this as a starting point.
What happens after you reach out
- You call (765) 224-5062 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 walk through the funding types that suit that purpose and the paperwork partners tend to ask for. Nothing goes out until you say so.
- With your permission, we take the request to lending partners that offer that kind of funding. Each partner reviews it and makes its own credit decision.
- 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.
Cloverglen Finance is based at 301 S Walnut St, Muncie, IN 47305.
By Cloverglen Finance · Updated