Ambercroft Business Capital, a small-business funding broker in Lafayette, Indiana, at 103 N 6th St, works with owners across Tippecanoe County, where 3,857 employer establishments were counted in 2023 and 46.8 percent had fewer than five employees (Census CBP). Credit decisions, and every rate and term, rest with lending partners.
| Office address | 103 N 6th St, ZIP 47901, Tippecanoe County |
|---|---|
| Employer establishments | 3,857 county-wide in 2023 (CBP) |
| Fewer than five employees | 46.8% of them |
| No-payroll businesses | 11,261 (Census Nonemployer Statistics 2024) |
| Office ZIP 47901 | 328 employer establishments (Census ZBP 2023) |
| Housing units permitted | 3,979 in 2025 (Census BPS) |
Lafayette, Indiana, Not Lafayette, Louisiana
Eleven US places carry the name Lafayette, and search suggestions often lead with Lafayette, Louisiana. This page is about Lafayette, Indiana, in Tippecanoe County. West Lafayette, Indiana is a separate city nearby, with its own page among the towns we cover. The City of Lafayette's official website is lafayette.in.gov (checked 2026-10-16).
The Tippecanoe County, Indiana business base
The county had 3,857 employer establishments in 2023, employing 75,889 people with an annual payroll of about $3.95 billion (U.S. Census Bureau, County Business Patterns 2023). Most are small:
| Employees | Establishments | Share |
|---|---|---|
| 1 to 4 | 1,807 | 46.8% |
| 5 to 9 | 769 | 19.9% |
| 10 to 19 | 563 | 14.6% |
| 20 to 49 | 459 | 11.9% |
| 50 or more | 259 | 6.7% |
Retail trade had the most employer establishments (529), followed by health care and social assistance (511), accommodation and food services (479), other services (427), professional and technical services (374) and construction (322). Manufacturing had only 125 establishments but the largest payroll, about $1.36 billion. A further 11,261 firms operated without any paid staff in 2024 (U.S. Census Bureau, Nonemployer Statistics 2024), a different program and year, so the two counts are not added together.
The office ZIP code, 47901
ZIP 47901 lies entirely inside the city, but it covers only about 2 percent of Lafayette's land; most of the city falls in ZIPs 47905, 47909 and 47904 (U.S. Census Bureau 2020 ZIP code relationship files). So the figures below describe the area around the office, not the whole city.
ZIP 47901 had 328 employer establishments in 2023, with 3,571 employees and about $157.5 million in payroll; 50.9 percent had fewer than five employees. Professional, scientific and technical services led with 79, followed by real estate (36), accommodation and food services (36), other services (35), retail (27), finance and insurance (25), health care (21) and construction (17) (U.S. Census Bureau, ZIP Code Business Patterns 2023).
Self-employment in Lafayette, IN
An estimated 6.0 percent of employed Lafayette residents were self-employed, plus or minus 1.1 points: about 4.4 percent in businesses they had not incorporated and 1.5 percent in incorporated ones (U.S. Census Bureau, American Community Survey 2020-2024). The county figure was 7.0 percent and Indiana's 8.0 percent. Unincorporated sole owners often fund a business on personal credit; separating the two is one of the first steps toward business funding.
Building permits in Tippecanoe County, Indiana
Permits were issued for 3,979 new housing units in 2025, against 1,548 in 2024 and 2,004 in 2023. Of the 2025 units, 3,395 were in buildings with five or more units and 553 were single-family homes, across 642 buildings with a permit valuation of about $830 million (U.S. Census Bureau, Building Permits Survey). The survey counts new residential units only, not commercial work or remodels, but a jump of that size matters to the county's trade contractors.
What the main sectors tend to need
- Contractors: equipment and cover for the weeks between paying a crew and collecting a draw; see contractor financing.
- Restaurants: kitchen equipment, build-outs and short gaps; see restaurant financing.
- Medical and dental practices: clinical equipment and timing gaps while claims pay; see practice financing.
- Retailers: stock bought ahead of sale; see inventory financing.
Every option is compared in the funding comparison; the commonest starting points are working capital and equipment financing. The sector pages carry the county counts for each.
Premises, licenses and local contacts
Owners searching for a Lafayette, Indiana business license, commercial space or zoning answers should start from the city's own site. Whether the city requires a general business license is a question we leave to the city and to counsel.
Equipment the business owns may need to be reported to the county; the Tippecanoe County business personal property guide explains how that connects to financing. Advising, the chamber of commerce and economic development contacts are gathered in Greater Lafayette small business resources.
Reaching Ambercroft Business Capital
The address is 103 N 6th St, Lafayette, IN 47901, and the phone is (765) 224-5060. Read who we are or open the contact page. Ambercroft Business Capital is not affiliated with the city, the county or any local organisation.
Lafayette, IN sectors our partners fund
Ambercroft Business Capital works with Lafayette, IN 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.
Documents to have ready
- Recent business bank statements (partners often ask for three to six months)
- Current financial statements: profit and loss plus a 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
- The equipment quote, contract or purchase order the funding is for
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
- You call (765) 224-5060 or send the short form (name, contact details and business name). When we speak, we ask what the money is for, how long you have been in business and roughly what the business brings in.
- 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.
- When an offer arrives, weigh its full cost, how payments are scheduled and the conditions. Accepting is entirely your choice.
Our office is at 103 N 6th St, Lafayette, IN 47901.
By Ambercroft Business Capital · Updated