Mesaside Advances, a small-business funding broker in Cheyenne, Wyoming, sets out Cheyenne business data from the U.S. Census Bureau, where city licenses and state registrations are handled, local business organizations, and how six funding types fit Cheyenne's business mix. It is not a lender: lending partners make credit decisions and set rates and terms. Call (307) 368-2257.
| Address | 1900 Thomes Ave, Cheyenne, WY 82001, inside city limits, Laramie County |
|---|---|
| Phone | (307) 368-2257 |
| ZIP 82001 | 2,013 employer establishments in 2023 (Census ZIP Code Business Patterns) |
| Laramie County | 3,625 employer establishments in 2023; 11,649 businesses with no employees in 2024 (Census) |
| City licenses | City of Cheyenne, City Clerk: Licenses and Permits |
| Who decides | Lending partners, not Mesaside Advances |
Where we are
Our address, 1900 Thomes Ave, Cheyenne, WY 82001, sits inside Cheyenne city limits in Laramie County, in Census Tract 7.02 (U.S. Census Geocoder, accessed 2026-10-15). The phone number is (307) 368-2257; call before visiting so we can arrange a time. About Mesaside Advances explains who we are and why a broker carries the name Advances.
Cheyenne is a city in Laramie County, Wyoming. It is not Laramie, WY, a separate city west of here in Albany County, and it has nothing to do with Cheyenne County in Colorado, Kansas or Nebraska.
Three ZIP codes, one city
Cheyenne's land is split across three ZIP code areas: about 45 percent lies in 82007, 36 percent in 82001 and 20 percent in 82009 (U.S. Census Bureau, 2020 ZCTA-to-place relationship file). Each of those ZIP areas also reaches beyond the city, so ZIP figures describe the ZIP, not the city limits.
ZIP 82001, where our office is, held 2,013 employer establishments in 2023, with 18,297 paid employees in the March pay period and $1.15 billion in annual payroll (U.S. Census Bureau, ZIP Code Business Patterns 2023). Two thirds of those establishments, 67.4 percent, had fewer than five employees.
What ZIP 82001's employers do
| Sector | Establishments | Share with fewer than 5 employees |
|---|---|---|
| Professional, scientific and technical services | 467 | 80.9% |
| Health care and social assistance | 205 | 54.1% |
| Finance and insurance | 197 | 75.6% |
| Retail trade | 184 | 57.1% |
| Other services | 161 | 64.0% |
| Accommodation and food services | 130 | 32.3% |
| Construction | 125 | 63.2% |
Two patterns stand out for funding. Professional and finance offices are mostly very small, which usually means the owners' own credit and bank history weigh heavily in any review. Food and accommodation businesses are the opposite: only about a third have fewer than five employees, so payroll is a large, fixed weekly cost.
Self-employment in Cheyenne, WY
About 8.0 percent of Cheyenne's employed residents were self-employed (plus or minus 1.3 points), against 9.5 percent (plus or minus 1.1) across Laramie County and 11.9 percent (plus or minus 0.5) statewide (U.S. Census Bureau, American Community Survey 2020-2024). The city and county ranges overlap, so the data does not show Cheyenne differing from the county; the county as a whole sits below the Wyoming share.
Most of Cheyenne's self-employed work through businesses that are not incorporated: 5.2 percent of employed residents, against 2.8 percent in their own incorporated business (same source). For an unincorporated owner, lending partners generally look at the owner and the business together, so personal credit and personal tax returns often carry more weight.
City licenses and state registration
The City of Cheyenne's City Clerk publishes the license and permit types it issues on its Licenses and Permits page (cheyennecity.org), with online applications through the city's portal at cheyennewy.viewpointcloud.com. Check whether your activity appears on that list. State-level steps, entity filing with the Wyoming Secretary of State and sales tax registration with the Wyoming Department of Revenue, are covered in the Wyoming sales tax license and Cheyenne checklist.
Partners commonly ask for proof the business is registered and, where it applies, licensed. Having those records ready is part of preparing for a business loan in Wyoming.
Free and local help before you borrow
- Greater Cheyenne Chamber of Commerce (cheyennechamber.org): the membership organization for Cheyenne-area businesses.
- Cheyenne LEADS (cheyenneleads.org), the Cheyenne-Laramie County Corporation for Economic Development.
- SBA Wyoming District Office (sba.gov/district/wyoming), which describes itself as serving all 23 counties in Wyoming, for SBA programs and SBA-participating lenders.
Mesaside Advances is not affiliated with, endorsed by or a partner of any agency or organization named here. Contact details and more organizations are in Cheyenne and Laramie County business resources.
Funding questions that fit the business mix in Cheyenne, WY
- Offices and practices waiting on clients or insurers often need working capital or a line of credit for the gap.
- Clinics, kitchens and contractors buying machines or systems use equipment financing.
- Shops and distributors buying ahead of sales look at inventory financing.
- A second location or remodel usually points to a term loan.
All six types are compared on the funding options page. Sector pages cover contractors, restaurants and medical and dental practices, with the full list under funding by industry.
Near the Colorado line
Cheyenne sits close to the Colorado state line. When we listed every Census place within 25 miles of the office, all were in Wyoming; the closest Colorado place just outside that radius was Nunn, CO, 29.1 straight-line miles away (U.S. Census Bureau, 2025 Gazetteer). Businesses that operate on both sides of the line deal with two states' agencies; our guides cover the Wyoming side.
Around Cheyenne, WY
Ranchettes, Fox Farm-College, South Greeley, Warren AFB, Burns, Hillsdale and Carpenter are described on the areas we serve, with whatever public data exists for each. To reach us, see the contact page.
Cheyenne, WY businesses we help
Our lending partners have confirmed they fund contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock, and Mesaside Advances works with businesses like these in Cheyenne, WY. Each partner still decides case by case.
What to gather before you call
- The last three to six months of business bank statements
- Last year's filed tax return for the business
- Current financial statements: profit and loss plus a balance sheet
- Photo ID for every owner of the business
- Proof of ownership and business registration
- A simple schedule of current business debt and monthly payments
Each lending partner sets its own list, so treat this as a starting point.
What happens after you reach out
- Reach us at (307) 368-2257 or through the form. The first questions are simple: what the funding is for, how long the business has operated and its rough 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.
- 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.
Our address: 1900 Thomes Ave, Cheyenne, WY 82001.
By Mesaside Advances · Updated
