Summitreach Capital, a small-business funding broker in Jacksonville, North Carolina, works from 614 Court St, inside the city limits. It helps Jacksonville, NC and Onslow County businesses compare working capital, term loans, lines of credit, inventory and equipment financing and merchant cash advances, then introduces requests to lending partners, which approve them and set terms. Call (910) 348-5386.
| Office | 614 Court St, Jacksonville, NC 28540, inside city limits |
|---|---|
| County | Onslow County, North Carolina |
| ZIP 28540 employers | 928 establishments, 2023 (ZBP) |
| Self-employed residents | 9.2% ± 1.9 (ACS 2020-2024) |
| City license | Only beer and wine, taxi and peddler permits, per the city's page |
| Phone | (910) 348-5386 |
The office at 614 Court St
Summitreach Capital
614 Court St
Jacksonville, NC 28540
(910) 348-5386
The Census Bureau's geocoder places the address inside the Jacksonville, NC city limits, in Onslow County census tract 18 (U.S. Census Bureau Geocoder, checked 2026-10-15). Summitreach Capital is a broker, not a lender; who we are explains the role, and the contact page has a map link.
One city, seven ZIP codes
Federal business counts are published by ZIP code, and Jacksonville, NC does not fit inside one. The city's land is spread across seven ZIP code areas: about 30.9 percent lies in 28540, 29.2 percent in 28547, 24.4 percent in 28546 and smaller shares in 28543, 28542, 28544 and 28539. Two of them, 28543 and 28542, lie entirely inside the city, while 28540 reaches well beyond it: the city covers only about 13.6 percent of that ZIP's land (U.S. Census Bureau, 2020 ZIP-to-place relationship file).
ZIP 28540, which includes our office, had 928 employer establishments in 2023, with 10,594 paid employees and an annual payroll of about $373.9 million. Exactly half of those establishments, 464, had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023). Read these as figures for the area around the office, not for the city alone.
| Sector | Establishments | Share with fewer than 5 employees |
|---|---|---|
| Retail trade | 166 | 37.3% |
| Accommodation and food services | 118 | 24.6% |
| Other services (repair, personal care and similar) | 115 | 61.7% |
| Construction | 101 | 52.5% |
| Professional, scientific and technical services | 81 | 59.3% |
| Health care and social assistance | 71 | 43.7% |
| Real estate and rental and leasing | 68 | 86.8% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023.
Self-employment in Jacksonville, NC
An estimated 9.2 percent of Jacksonville, NC's employed residents work for themselves, against 10.1 percent across Onslow County and 9.8 percent statewide (U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates; margins of error 1.9, 1.2 and 0.1 points). Those ranges overlap, so the honest reading is that the city is broadly in line with the county and the state.
The split inside that figure is clearer. About 6.8 percent of the city's employed residents run an unincorporated business of their own and about 2.4 percent run an incorporated one (margins 1.8 and 0.8 points). Most self-employed residents, in other words, operate as sole proprietors or similar. That matters when you ask for funding: an unincorporated owner's business and personal finances are usually reviewed together, while an LLC or corporation brings its own registration, bank account and tax records. Either can ask about business funding.
Residential building in Onslow County
Builders and the trades that follow them work against a steady pipeline of new homes. Permits were authorized for 1,419 new housing units in Onslow County in 2023, 1,246 in 2024 and 1,372 in 2025; in 2025, 1,318 of those were single-unit homes (U.S. Census Bureau, Building Permits Survey). These counts cover new residential units only, not commercial projects or remodels.
For a contractor, a pipeline like that usually shows up as two funding questions: carrying wages and materials until draws are paid, and adding machines or vehicles. The contractor page covers both.
Licenses and registration for a Jacksonville, NC business
The City of Jacksonville, NC's Business / Privilege Licenses page says the city issues only beer and wine, taxi and peddler permits, and that other privilege license taxes have been repealed under state law (City of Jacksonville, NC, checked 2026-10-15). Entities are registered with the NC Secretary of State, and tax accounts with the NC Department of Revenue.
The Onslow County license and listing checklist sets out which office handles what, and why funding partners care.
Free help and local organizations
- NC SBTDC, Wilmington office. The state's Small Business and Technology Development Center lists Onslow County among the six counties its Wilmington office serves, from 803 S. College Rd in Wilmington. Its page showed no separate Jacksonville, NC office when checked on 2026-10-15.
- Onslow County Economic Development. Now presented as the Onslow Coastal Alliance and formerly known as JOED, it is linked from the city's economic development page.
- Jacksonville Onslow Chamber of Commerce. The chamber is also linked from the city's economic development page.
- SBA North Carolina District Office. The district office says it serves the whole state, with offices in Charlotte and Wilmington.
Summitreach Capital is not affiliated with any of these organizations. The Onslow County help directory explains what each one is for.
Funding questions that fit Jacksonville, NC's business mix
The ZIP's largest sectors line up with the questions owners most often bring to a broker. Retailers ask about stock, usually through inventory financing or a line of credit. Restaurants ask about kitchen equipment and slow weeks, and often about advance offers. Contractors ask about carrying payroll until draws clear and financing machines and work vehicles. Practices ask about clinical equipment and the wait for insurance payments.
The sector pages take each one in turn, and the comparison of all six options shows how they are repaid.
Towns around Jacksonville, NC
We also work with owners in Richlands, Sneads Ferry, Swansboro, Holly Ridge, Beulaville and Emerald Isle, and in smaller communities across Onslow, Jones, Duplin and Carteret counties. The service-area overview has each town's business data and distance from the office.
Jacksonville, NC businesses we help
Our partners have confirmed appetite for four kinds of business: contractors and construction trades, restaurants and food service, medical and dental practices, and retailers and wholesalers that carry stock. If your Jacksonville, NC business is something else, call and ask before you spend time on paperwork.
Documents to have ready
- Business checking statements covering roughly the last quarter or two
- Current financial statements: profit and loss plus a balance sheet
- A driver's license or passport for each owner
- Your articles of organization or incorporation and the EIN letter
- A simple schedule of current business debt and monthly payments
- A written quote or invoice if the money is for equipment
No two partners ask for exactly the same file, so use this as a checklist rather than a rule.
How a request moves forward
- It starts with a call to (910) 348-5386 or the short form. 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.
- Once you agree, the request goes to partners that provide that type of funding. The credit decision belongs to each partner.
- 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 office is at 614 Court St, Jacksonville, NC 28540.
By Summitreach Capital · Updated