Bayside Advances, based in Moscow, ID, takes business funding requests from owners in Pullman, WA, about 8 miles west in Whitman County, Washington. ZIP 99163 held 557 employer establishments in 2023, led by accommodation and food services (99) and health care (79). This page uses Pullman and ZIP 99163 data only, plus notes on property and records.
| Distance | Roughly 8 miles west of Moscow, ID |
|---|---|
| County | Whitman County, WA |
| ZIP 99163 employer establishments | 557 (ZBP 2023) |
| Share under 5 employees | 44.9% (ZBP 2023) |
| ZIP 99163 employees | 9,244 (ZBP 2023) |
| Self-employed residents, Pullman, WA | 5.4% (+/- 1.3) (ACS 2020-2024) |
Pullman, WA Companies in the Census Counts
ZIP 99163 held 557 employer establishments in 2023, with 9,244 employees and $519.4 million in annual payroll (ZIP Code Business Patterns 2023). The city of Pullman lies entirely inside that ZIP but covers only 5.2% of its land, so the ZIP figures include rural Whitman County, Washington as well as the city.
Accommodation and food services led the ZIP with 99 establishments, followed by health care and social assistance (79), retail (60), other services (58), real estate and rental (49), construction (47) and professional and technical services (42).
Size of Pullman, WA Area Employers
44.9% of ZIP 99163 employer establishments had fewer than five employees in 2023: 250 of 557. Another 135 had five to nine, 79 had 10 to 19 and 68 had 20 to 49 (ZIP Code Business Patterns 2023). Construction (72.3%) and administrative services (72.7%) had the highest shares of very small firms; accommodation and food services had a much smaller share (27.3%).
Food businesses with payroll can look at working capital and kitchen equipment; small trades can look at lines of credit and machinery. The industries page lists how each sector can use funding.
Self-Employment in Pullman, WA
5.4% (+/- 1.3) of employed Pullman, WA residents were self-employed: 2.4% (+/- 0.9) in incorporated businesses and 3.0% (+/- 1.0) in unincorporated ones (American Community Survey 2020-2024). The two shares overlap within their margins of error. Either way, partners reading an owner-run firm's bank statements want business and personal money kept apart.
Pullman, WA Commercial Real Estate and Property for Sale
Searches for Pullman, WA commercial real estate or commercial property for sale involve two costs: the property itself, which a commercial mortgage may finance, and the fit-out, equipment and opening costs around it. Mortgages fall outside what Bayside Advances handles. A term loan can cover improvements, and equipment financing the machines inside.
Buying a Pullman, WA Business for Sale
Buying an existing business raises the same questions on either side of the state line: what the seller's books show, what the price includes, and how much cash the business needs after the sale. Our article on buying a business lists the questions partners ask first. Washington entity and tax records apply to a Pullman business, not Idaho's.
Looking Up a Business License in Washington State
A buyer may want to look up a business license in Washington state, for example to confirm a seller's registration. Washington keeps its own business license and registration records, separate from Idaho's.
Starting a Request From Pullman, WA
From Pullman, WA the first step is a call to (208) 439-7566 or the online request. We talk through the expense, match it to an option, and a funding partner reviews. Moscow, ID figures and contacts are on the Moscow, ID data page, and other towns are on the areas served page.
Pullman, WA sectors our partners fund
Funding partners consider businesses across most industries in Pullman, WA, from contractors and construction trades and restaurants and food service to medical and dental practices and retailers and wholesalers that carry stock. Each partner still decides case by case.
What to gather before you call
- The last three to six months of business bank statements
- 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 list of existing business debts and payments
- For equipment, the seller's quote with make, model and price
Partners differ in what they request; this list covers the usual ground.
The steps after your first call
- Reach us at (208) 439-7566 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.
- After you give the go-ahead, we share the request with suitable lending partners, and each one decides on its own.
- If a partner makes an offer, you compare the total cost, payment schedule and terms. You are never obligated to accept.
Everything can be handled by phone or online from Pullman, WA.
By Bayside Advances · Updated
