Cobbleview Loans, a small-business funding broker in Frederick, Maryland, serves owners in the City of Frederick and across Frederick County from 231 MD-355. Frederick County had 6,591 employer establishments in 2023, more than half with fewer than five employees, plus 27,075 businesses without paid staff in 2024. Credit calls on Frederick County requests stay with lending partners.
| Address | 231 MD-355, Frederick, MD 21701 |
|---|---|
| Frederick County, MD employers | 6,591 establishments (CBP 2023) |
| Under five employees | 53.6% of employers (CBP 2023) |
| No-employee businesses | 27,075 (NES 2024) |
| ZIP 21701 employers | 1,616 establishments (ZBP 2023) |
City and county are not the same
Frederick is both a city and the county around it, and Census figures follow that line. County numbers on this page describe all of Frederick County, Maryland, not only the City of Frederick. Where a figure is for ZIP 21701, the office's postal ZIP, it is labelled as such: the city covers 28.9 percent of that ZIP's land, so ZIP and city are not the same area either.
Frederick County, MD employers in 2023
County Business Patterns counted 6,591 employer establishments in Frederick County in 2023, employing 95,077 people with an annual payroll of about $5.69 billion (U.S. Census Bureau, County Business Patterns 2023). Of those establishments, 3,530, or 53.6 percent, had fewer than five employees.
| Employees | Establishments |
|---|---|
| Fewer than 5 | 3,530 |
| 5 to 9 | 1,149 |
| 10 to 19 | 856 |
| 20 to 49 | 704 |
| 50 to 99 | 223 |
| 100 or more | 129 |
Source: U.S. Census Bureau, County Business Patterns 2023.
Businesses without employees
Another 27,075 Frederick County businesses had no paid employees in 2024 (U.S. Census Bureau, Nonemployer Statistics 2024). Those two Census series cover different years and programs, so Cobbleview never sums them. Among employed residents, 8.2 percent were self-employed in the City of Frederick (margin of error 1.1 points) and 8.2 percent in Frederick County as a whole (margin 0.5), against 8.7 percent for Maryland (American Community Survey 2020-2024). The margins overlap, so the county and state shares are best read as similar.
ZIP 21701 in figures
ZIP 21701 had 1,616 employer establishments in 2023, with 25,929 paid employees and an annual payroll of about $1.47 billion; 48.6 percent of its establishments had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023). Professional, scientific and technical services led with 278 establishments, followed by retail and by health care and social assistance at 200 each, food and lodging at 161 and construction at 117.
The sectors partners fund
Our partners have confirmed appetite for four sectors. In Frederick County in 2023 there were 904 construction employers, 498 food service and drinking places, 551 ambulatory health care establishments and 724 retail employers (County Business Patterns 2023). Funding by sector explains which structures each tends to use, and the six funding types are compared in one place.
Building activity in Frederick County, MD
Building permits authorized 1,646 new privately owned housing units in Frederick County in 2023, 1,562 in 2024 and 1,168 in 2025 (U.S. Census Bureau, Building Permits Survey). Of the 2025 units, 814 were single-family and 354 were in buildings of five or more units. Those permits are residential only, but they are work for the county's contractors, many of whom use working capital or equipment financing.
Local records before you apply
Partners check that a business is set up properly where it operates. Owners often search for 'frederick county business license' and 'frederick county traders license' before applying; our Frederick County trader's license checklist covers what to have ready, and the Maryland loan checklist covers state records.
Free help nearby
The City of Frederick's official site (cityoffrederick.com) and Frederick County's (frederickcountymd.gov) are the starting points for local government information; both were checked as live on 2026-10-16. Owners also search for the 'frederick county office of economic development', the 'frederick county chamber of commerce' and the 'sbdc frederick md'. None of these is affiliated with Cobbleview Loans.
Reaching us
Call (240) 834-9465 or send the short form. The office address is 231 MD-355, Frederick, MD 21701. Read who we are, see phone and address, or browse towns across Frederick County.
Who Cobbleview Loans works with in Frederick, MD
Cobbleview Loans works with Frederick, MD businesses in four sectors our partners have confirmed: contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock. Being in one of them does not decide the outcome; the partner does.
What to gather before you call
- Recent business bank statements (partners often ask for three to six months)
- Last year's filed tax return for the business
- A year-to-date profit and loss statement and balance sheet
- A driver's license or passport for each owner
- Proof of ownership and business registration
- A simple schedule of current business debt and monthly payments
No two partners ask for exactly the same file, so use this as a checklist rather than a rule.
What happens after you reach out
- It starts with a call to (240) 834-9465 or the short contact form. On the phone we cover the purpose of the funds, time in business and approximate monthly revenue.
- You hear which options match the need and what a partner will likely want to review. We submit nothing without your approval.
- 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: 231 MD-355, Frederick, MD 21701.
By Cobbleview Loans · Updated