Ravenrock Funding Group, a small-business funding broker in Sarasota, Florida, handles Longboat Key requests by phone and online. ZIP 34228, which matches the town's land, had 239 employer establishments in 2023, 72.8% with fewer than five employees, and 36.9% of employed residents are self-employed. Approval and pricing sit with the lending partners, never with Ravenrock.
| County | Manatee County, FL and Sarasota County, FL |
|---|---|
| Distance | Roughly 8.1 miles west-northwest of 1830 Main St |
| ZIP 34228 employers | 239 employers counted in 2023, ZIP Code Business Patterns |
| Under five employees | 72.8% of the ZIP's employer count |
| Self-employed residents | 36.9% of working residents (margin 6.3), ACS 2020-2024 |
One town, a county line through it
Longboat Key is an incorporated town that lies partly in Manatee County and partly in Sarasota County (Census 2020 place-by-county codes). Because of that split, we do not describe it with either county's figures. Everything on this page comes from the town's own ZIP or from Census data for the town itself.
ZIP 34228 is the town
The 2020 ZCTA-to-place relationship file shows ZIP 34228 and the Town of Longboat Key covering the same land, each 100% of the other. That makes ZIP figures an unusually close fit, though they still count businesses by mailing address rather than town limits.
ZIP Code Business Patterns counted 239 employer establishments in ZIP 34228 in 2023, with 1,750 paid employees and about $101.5 million in annual payroll. Payrolls under five people made up 72.8% of them.
Real estate and professional firms lead ZIP 34228
| Sector | Establishments | Share under 5 employees |
|---|---|---|
| Real estate and rental and leasing | 54 | 92.6% |
| Other services | 41 | 51.2% |
| Professional, scientific and technical services | 39 | 92.3% |
| Accommodation and food services | 22 | 22.7% |
| Finance and insurance | 20 | 75.0% |
| Retail trade | 12 | 41.7% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023.
Self-employment on Longboat Key, FL
The American Community Survey (2020-2024) estimates that 36.9% (+/- 6.3) of employed Longboat Key residents are self-employed, well above Florida's 12.8% (+/- 0.1). About 21.7% run incorporated businesses and 15.2% unincorporated ones.
For funding, a high share of owner-operators means many businesses with modest payrolls and few hard assets. Partners reviewing them read bank statements closely and check that the business entity, the trade name and the account name line up.
Local registration on Longboat Key, FL
Partners may ask for proof of local registration. Which government handles it for a Longboat Key business is a question to settle before you apply.
Questions to answer before a Longboat Key, FL request
Partners reviewing an owner-run firm tend to ask the same few things. Is the business an LLC or corporation, or does the owner trade under a personal name? Does the bank account carry the same name as the state record? How much of the revenue comes from a handful of clients? With real estate and professional firms leading ZIP 34228, many businesses here bill by the project or the commission, which can leave months with little coming in. A request that explains that pattern up front, with statements that show it, reads better than one that leaves the partner to guess.
Calling Main St from Longboat Key, FL
Ravenrock Funding Group has one address, 1830 Main St in Sarasota. Owners in Longboat Key work with us by phone at (941) 384-0737 or through the short form. County-level context for Sarasota County is on the Sarasota, FL page, and the full list of communities covers the rest of the area.
Longboat Key, FL 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 Ravenrock Funding Group works with businesses like these in Longboat Key, FL. Each partner still decides case by case.
What to gather before you call
- Business checking statements covering roughly the last quarter or two
- Last year's filed tax return for the business
- Current financial statements: profit and loss plus a balance sheet
- Photo ID for every owner of the business
- Formation documents and your EIN
- 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.
How a request moves forward
- It starts with a call to (941) 384-0737 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.
- 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.
- If a partner makes an offer, you compare the total cost, payment schedule and terms. You are never obligated to accept.
Ravenrock Funding Group is based at 1830 Main St, Sarasota, FL 34236.
By Ravenrock Funding Group · Updated