Beachwood, NJ owners can work with Lynxstead Financial, a small-business funding broker in Toms River, NJ, by phone or online. ZIP 08722, which matches the borough's land, had 118 employer establishments in 2023, 66.9 percent with fewer than five employees (Census ZIP Code Business Patterns). Credit decisions, rates and terms rest with lending partners.
| Place type | Borough, Ocean County |
|---|---|
| ZIP 08722 employers | 118 establishments, 620 paid employees (Census ZBP 2023) |
| Under five employees | 66.9% of ZIP 08722 employers |
| Largest sector | Construction, 23 establishments |
| Nearest office | 806-808 N Main St, Toms River, NJ, about 2.2 miles north |
A ZIP code that matches the borough
Many town figures come with a caveat because the ZIP code stretches well beyond the town line. Beachwood is an exception: the borough and ZIP 08722 cover the same land (U.S. Census Bureau, 2020 ZCTA-to-place relationship files). The business counts below therefore describe Beachwood itself rather than a wider postal area.
Beachwood, NJ businesses in Census data
ZIP 08722 had 118 employer establishments in 2023, with 620 paid employees and an annual payroll of about $23.5 million. Two-thirds of them, 66.9 percent, had fewer than five employees, a larger share than in the office's ZIP code, 08753, where it was 55.1 percent (U.S. Census Bureau, ZIP Code Business Patterns 2023).
| Sector | Establishments | Under 5 employees (share) |
|---|---|---|
| Construction | 23 | 69.6% |
| Other services | 20 | 65.0% |
| Retail trade | 19 | 73.7% |
| Health care and social assistance | 12 | 66.7% |
| Professional, scientific and technical services | 11 | 72.7% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023. Construction leads, and most of those firms are very small, the kind of business where an equipment purchase or a slow-paying job affects the owner directly.
Self-employment in Beachwood, NJ
An estimated 4.3 percent of Beachwood's employed residents were self-employed, plus or minus 1.5 points (U.S. Census Bureau, American Community Survey 2020-2024). Even at the top of that range, it is below Ocean County's 9.6 percent (plus or minus 0.5). Most residents work for someone else; the borough's own business base is made up mainly of small employers rather than sole proprietors.
Local registration in Beachwood, NJ
State registration with New Jersey's Division of Revenue applies wherever the business is. Beachwood is its own borough, so any municipal license, zoning approval or permit comes from the Borough of Beachwood rather than the Township of Toms River.
Beachwood, NJ beside the office ZIP
| Measure | ZIP 08722 | ZIP 08753 |
|---|---|---|
| Employer establishments | 118 | 1,806 |
| Paid employees | 620 | 19,507 |
| Annual payroll | about $23.5 million | about $838.8 million |
| Under 5 employees (share) | 66.9% | 55.1% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023. On average a Beachwood employer had about five paid employees, against roughly eleven in the office ZIP. Smaller employers usually mean shorter financial records and more reliance on the owner's own credit, so clean bank statements and an up-to-date state registration matter even more.
Working with Lynxstead Financial from Beachwood, NJ
Lynxstead Financial's office is at 806-808 N Main St, Toms River, NJ 08753, about 2.2 straight-line miles north of Beachwood. The first conversation is about what the money must do, and it works well by phone at (732) 786-7606. For a small contractor, that often means equipment financing for a vehicle or machine. Background on the office's own area is on the Toms River, NJ page, and other Ocean County communities are listed together.
Beachwood, NJ 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 Lynxstead Financial works with businesses like these in Beachwood, NJ. Each partner still decides case by case.
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
- Proof of ownership and business registration
- A simple schedule of current business debt and monthly payments
- For equipment, the seller's quote with make, model and price
Each lending partner sets its own list, so treat this as a starting point.
How a request moves forward
- It starts with a call to (732) 786-7606 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.
- If a partner makes an offer, you compare the total cost, payment schedule and terms. You are never obligated to accept.
Our office is at 806-808 N Main St, Toms River, NJ 08753.
By Lynxstead Financial · Updated
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