Ravenmoor Finance, a small-business funding broker in Ocala, Florida, works with owners in The Villages, an unincorporated community spanning Marion County and Sumter County about 21.7 miles south-southeast. This page uses only place and ZIP 32162 Census figures, never single-county figures, and explains what its health-care- and restaurant-heavy employer base means for funding.
| Counties | Marion County, FL and Sumter County, FL |
|---|---|
| Place type | Census-designated place (unincorporated) |
| Distance | About 21.7 straight-line miles SSE of 65 SW 2nd Ave |
| ZIP 32162 employers | 510 in 2023 (ZBP) |
| Largest ZIP sector | Health care, with 96 locations |
| Self-employed residents | 15.5% (+/- 3.8) in the 2020-2024 ACS |
The Villages, FL straddles a county line
The Villages is an unincorporated census-designated place that spans Marion County, FL and Sumter County, FL, according to the Census Bureau's 2020 place-by-county file. It sits about 21.7 straight-line miles south-southeast of Ocala, FL. Because it crosses county lines, Marion County figures do not describe it, and this page uses only figures for the place itself and for its ZIP, 32162.
Unlike most ZIPs in the region, ZIP 32162 and the community largely coincide: The Villages covers 93.5% of the ZIP's land.
Employers counted in ZIP 32162 (2023)
ZIP 32162 counted 510 employer establishments in 2023, with 8,945 paid employees and about $371.1 million in annual payroll (Census ZIP Code Business Patterns 2023). Only 49.0% of employers had fewer than five employees, a lower share than any other community page on this site.
| Sector | Establishments | Share under 5 employees |
|---|---|---|
| Health care and social assistance | 96 | 25.0% |
| Retail trade | 85 | 32.9% |
| Professional services | 60 | 83.3% |
| Accommodation and food services | 60 | 5.0% |
| Finance and insurance | 58 | 46.6% |
| Real estate and rental and leasing | 55 | 94.5% |
Larger practices and restaurants in The Villages, FL
Two figures in that table matter most for funding. Health care leads, and three-quarters of those employers had five or more employees. And of the 60 accommodation and food services employers, only 5.0% had fewer than five people, which points to restaurants with sizable crews rather than one-person operations. Businesses of that size tend to ask about term loans for a second location or a build-out, equipment financing for a practice or a kitchen, and lines of credit for payroll timing.
Self-employment is common among residents too: 15.5% (+/- 3.8) of employed residents were self-employed in the 2020-2024 American Community Survey, compared with 12.8% statewide. The margin of error is wide, so treat it as a sign rather than a precise figure.
Local paperwork for a business in The Villages, FL
Because the community is unincorporated and spans two counties, which county's offices apply depends on the exact location of the business. Partners commonly ask for a current local business tax receipt and Florida entity records.
Planning a second location from The Villages, FL
For a practice or restaurant with a full crew, growth often means a second site. Partners usually want to see the first location's results, a budget for the new one, the lease terms, and a realistic estimate of when the new site covers its own costs. A term loan often funds the build-out, with equipment financed separately so that each structure matches what it pays for.
Practices weighing this step can read our post on opening a second dental office, which walks through the sequence in more detail and is linked from the blog.
Starting a request from The Villages, FL
Phone (352) 488-9724; the short online form works just as well. Our Ocala, FL page describes the Marion County side of the region, and the service areas page lists other communities.
The Villages, FL sectors our partners fund
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 The Villages, FL business is something else, call and ask before you spend time on paperwork.
Paperwork partners commonly ask for
- 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
- Photo ID for every owner of the business
- 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 (352) 488-9724 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.
- We explain which funding types fit that use and what partners usually need to see. Nothing is submitted without your go-ahead.
- With your permission, we take the request to lending partners that offer that kind of funding. Each partner reviews it and makes its own credit decision.
- 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: 65 SW 2nd Ave, Ocala, FL 34471.
By Ravenmoor Finance · Updated