Valepine Business Capital, a small-business funding broker in Oshkosh, Wisconsin, works from 138 Algoma Blvd in ZIP 54901. This page sets out Census figures for that ZIP and for Winnebago County, WI, what they suggest about local funding needs, and where to go next. Valepine is a broker, not a lender; lending partners decide.
| Office | 138 Algoma Blvd, Oshkosh, WI 54901 |
|---|---|
| ZIP 54901 employers | 705 (ZBP 2023) |
| Winnebago County, WI employers | 3,784 (CBP 2023) |
| Under 5 employees, county | 45.4% (CBP 2023) |
| Role | Broker, not a lender |
The Algoma Blvd office in ZIP 54901
Valepine's address is 138 Algoma Blvd, Oshkosh, WI 54901. Requests are mostly handled by phone and email, so where your business sits in Winnebago County, WI makes little practical difference. Phone and address details are on the contact page, and the about page explains why Valepine says Capital but brokers.
A note on addresses: Oshkosh city limits cover 63.3% of the land in ZIP 54901, according to the Census 2020 ZIP-to-place relationship file in our evidence pack. A 54901 mailing address is therefore not always inside the city. That matters for zoning and building questions; see the zoning and building-code checklist before you sign a lease.
ZIP 54901 employers in numbers
ZIP Code 54901 had 705 employer establishments in 2023, with 13,027 employees and $637.3 million in annual payroll. Of those establishments, 44.8% had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023).
| Sector | Establishments | Share with under 5 employees |
|---|---|---|
| Health Care and Social Assistance | 99 | 45.5% |
| Retail Trade | 97 | 35.1% |
| Accommodation and Food Services | 96 | 22.9% |
| Other Services | 82 | 57.3% |
| Professional, Scientific, and Technical Services | 52 | 59.6% |
| Manufacturing | 50 | 22.0% |
| Construction | 45 | 60.0% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023. ZIP figures describe ZIP 54901, not the whole city of Oshkosh, WI.
Winnebago County, WI at a glance
- 3,784 employer establishments, 91,036 employees and $5.59 billion in annual payroll in 2023 (U.S. Census Bureau, County Business Patterns 2023)
- 45.4% of employer establishments had fewer than five employees; 79.1% had fewer than twenty (same source)
- 10,168 businesses with no paid employees in 2024 (U.S. Census Bureau, Nonemployer Statistics 2024); a different program and year, so not added to the employer count
- 682 new residential units authorized by building permits in 2025, after 656 in 2024 and 432 in 2023 (U.S. Census Bureau, Building Permits Survey)
Health Care and Social Assistance had the most employer establishments in the county (527), and Manufacturing the largest annual payroll ($1.77 billion), both in the 2023 County Business Patterns.
Self-employment in Oshkosh, WI and the county
About 5.0% of employed Oshkosh, WI residents were self-employed (margin of error plus or minus 0.9 points), against 6.4% (plus or minus 0.6) across Winnebago County, WI and 8.5% (plus or minus 0.1) statewide (U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, table B24080). The city and county ranges overlap, so the city figure should not be called lower than the county's. The county share is below the Wisconsin share.
In Oshkosh, WI, 1.9% of employed residents ran an incorporated business of their own and 3.1% an unincorporated one (same source). Unincorporated owners often hold assets and debts in their own name, which shapes how partners read a request.
What the figures suggest about funding needs
Small payrolls dominate, so timing gaps hit hard: one slow-paying customer can decide whether wages go out on time. That is where working capital and credit lines come up most.
Retail, food service and health care are the largest sectors in ZIP 54901, and each relies on equipment, from refrigeration to clinical chairs. Equipment financing and the sector pages cover those requests. All six structures sit side by side on one Valepine page.
Local help and events
Owners here search for a business expo, business after hours events and a business center. Those are run by local organizations, not by Valepine, and their own calendars are the source to trust. The Winnebago County help directory explains which kinds of organizations to look for.
Searches for Oshkosh, WI businesses for sale also come up. Buying an existing business is not covered by this site's guides; ask on a call whether a request of that kind can be routed.
Reading and next steps
Articles from the Valepine blog that draw on these figures: opening a retail store in Oshkosh, WI, expanding a dental practice in Winnebago County, WI and preparing for a small business loan.
Businesses outside the city can see the towns we hear from.
Who Valepine Business Capital works with in Oshkosh, WI
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 Oshkosh, WI 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
- Business and personal tax returns for the latest year
- Current financial statements: profit and loss plus a balance sheet
- Photo ID for every owner of the business
- Formation documents and your EIN
- A simple schedule of current business debt and monthly payments
Partners differ in what they request; this list covers the usual ground.
The steps after your first call
- It starts with a call to (920) 260-3974 or the short contact form. On the phone we cover the purpose of the funds, time in business and approximate monthly revenue.
- We explain which funding types fit that use and what partners usually need to see. Nothing is submitted without your go-ahead.
- Once you agree, the request goes to partners that provide that type of funding. The credit decision belongs to each partner.
- When an offer arrives, weigh its full cost, how payments are scheduled and the conditions. Accepting is entirely your choice.
Valepine Business Capital is based at 138 Algoma Blvd, Oshkosh, WI 54901.
By Valepine Business Capital · Updated