A smiling restaurant owner seated with a closed folder and lemonade in a warm dining room.

Nearby Communities Served From St. Joseph, MO

Requests can be sent by phone or through the online form from St. Joseph, the rest of Buchanan County and towns across the Missouri River in Kansas. The steps do not change with the town.

In short

Rowanstone Business Loans, a small-business funding service in St. Joseph, Missouri, takes requests by phone and form from across Buchanan County and nearby Missouri and Kansas towns. Each town note uses that town's own ZIP figures, labeled as ZIP counts, never Buchanan County figures for places outside it.

St. Joseph, MO Itself: City and Downtown ZIP Figures

St. Joseph has its own page with Buchanan County and downtown ZIP figures, the city's permit and zoning pages, and funding notes by sector: the St. Joseph, MO business page.

Savannah, MO and Andrew County, MO

Savannah, MO sits about 12 miles north of St. Joseph, MO in a straight line, in Andrew County, MO. ZIP 64485, which carries the Savannah postal name, had 150 employer establishments in 2023, 55.3% of them with fewer than five employees (ZIP Code Business Patterns 2023). Savannah covers 3.0% of that ZIP's land, so the ZIP count is not a town count.

Gower, MO and Dearborn, MO

Gower, MO sits about 17 miles southeast of St. Joseph, MO in a straight line, in Buchanan County, MO and Clinton County, MO. ZIP 64454, which carries the Gower postal name, had 45 employer establishments in 2023, 55.6% of them with fewer than five employees (ZIP Code Business Patterns 2023). Gower covers 1.4% of that ZIP's land, so the ZIP count is not a town count.

Dearborn, MO sits about 17 miles south-southeast of St. Joseph, MO in a straight line, in Buchanan County, MO and Platte County, MO. ZIP 64439, which carries the Dearborn postal name, had 31 employer establishments in 2023, 58.1% of them with fewer than five employees (ZIP Code Business Patterns 2023). Dearborn covers 1.5% of that ZIP's land, so the ZIP count is not a town count.

Stewartsville, MO and Oregon, MO

Stewartsville, MO sits about 19 miles east of St. Joseph, MO in a straight line, in DeKalb County, MO. ZIP 64490, which carries the Stewartsville postal name, had 34 employer establishments in 2023, 76.5% of them with fewer than five employees (ZIP Code Business Patterns 2023). Stewartsville covers 1.1% of that ZIP's land, so the ZIP count is not a town count.

Oregon, MO sits about 22 miles northwest of St. Joseph, MO in a straight line, in Holt County, MO. ZIP 64473, which carries the Oregon postal name, had 40 employer establishments in 2023, 75.0% of them with fewer than five employees (ZIP Code Business Patterns 2023). Oregon covers 0.8% of that ZIP's land, so the ZIP count is not a town count.

Elwood, KS and Wathena, KS Across the River

Elwood, KS sits about 2 miles west-southwest of St. Joseph, MO in a straight line, in Doniphan County, KS. ZIP 66024, which carries the Elwood postal name, had 31 employer establishments in 2023, 32.3% of them with fewer than five employees (ZIP Code Business Patterns 2023). Elwood covers 67.9% of that ZIP's land, so the ZIP count is not a town count.

Wathena, KS sits about 4 miles west of St. Joseph, MO in a straight line, in Doniphan County, KS. ZIP 66090, which carries the Wathena postal name, had 51 employer establishments in 2023, 58.8% of them with fewer than five employees (ZIP Code Business Patterns 2023). Wathena covers 2.9% of that ZIP's land, so the ZIP count is not a town count.

Troy, KS and Atchison, KS

Troy, KS sits about 13 miles west of St. Joseph, MO in a straight line, in Doniphan County, KS. ZIP 66087, which carries the Troy postal name, had 46 employer establishments in 2023, 60.9% of them with fewer than five employees (ZIP Code Business Patterns 2023). Troy covers 0.8% of that ZIP's land, so the ZIP count is not a town count.

Atchison, KS sits about 21 miles southwest of St. Joseph, MO in a straight line, in Atchison County, KS. ZIP 66002, which carries the Atchison postal name, had 316 employer establishments in 2023, 48.4% of them with fewer than five employees (ZIP Code Business Patterns 2023). Atchison covers 4.2% of that ZIP's land, so the ZIP count is not a town count.

Kansas businesses are welcome to call; Kansas state filings differ from the Missouri ones described in the guides on this site.

Villages and Small Towns Around Buchanan County, MO

Agency, Easton, Faucett, De Kalb, Rushville and Lewis and Clark Village in Buchanan County, MO; Country Club, Amazonia, Cosby, Fillmore, Rosendale, Bolckow and Rea in Andrew County, MO; and Edgerton, Camden Point and Iatan in Platte County, MO are all within about 25 miles. None of them has enough place-level Census figures for a separate page, so they are noted here only.

Gas Station Loans and the Buchanan County, MO Numbers

Fuel stations are one trade found along the routes between these towns. In Buchanan County there were 43 gasoline stations with payroll in 2023, 39 of them with convenience stores (County Business Patterns 2023). Station purchases, pumps and store stock are covered on gas station loans for St. Joseph, MO owners.

Talking Through Gas Station Loans From St. Joseph, MO

A station owner in any of these towns can call about the same things: buying a station, replacing tanks or pumps, or carrying fuel and store stock. The funding types and records are the same; the county figures above describe Buchanan County only.

Gas Station Loan Requests From Around Buchanan County, MO

  • Purchase of an existing station: seller statements, fuel volume and the purchase agreement
  • Pump, tank or cooler replacement: written equipment quotes
  • Fuel and store inventory: supplier terms and sales history

Questions About Law Firm Loans From St. Joseph, MO Owners

Law practices across the area have their own cash cycle, built around fees collected after the work. Buchanan County had 45 legal services employer establishments in 2023 (County Business Patterns 2023). The law firm loans page covers case costs, partner buy-ins and practice purchases.

By Rowanstone Business Loans ยท Updated

Three Census Programs, One County: Buchanan County, MO

  • 2,027

    Employer establishments

    Buchanan County, MO business locations with at least one paid employee.

    Source: U.S. Census Bureau, County Business Patterns 2023
  • 5,211

    Businesses without paid employees

    Buchanan County, MO businesses counted by Nonemployer Statistics: receipts filed, no payroll.

    Source: U.S. Census Bureau, Nonemployer Statistics 2024
  • 46.6%

    Employers with fewer than five employees

    Share of Buchanan County, MO employer establishments in the under-five size class.

    Source: U.S. Census Bureau, County Business Patterns 2023
  • 52

    Housing units permitted in 2025

    New privately owned housing units authorized by building permits in Buchanan County, MO.

    Source: U.S. Census Bureau, Building Permits Survey 2025

Towns Within Reach

Requests arrive by phone and form from St. Joseph and the towns around it, on both sides of the Missouri River.

Questions People Ask for First-time Borrowers

Brief answers on how a request starts.

Call (816) 310-3692
Can a business in Kansas send a request to Rowanstone?

Yes. Businesses in Elwood, Wathena, Troy, Atchison and other Kansas towns can call or use the form. Partners decide which states they fund in.

Why do some towns not have their own page?

A town gets its own page only when its own ZIP and Census figures are strong enough to say something specific. The towns here fall short of that, so each has a note instead.

Running a Business Near St. Joseph, MO?

Call (816) 310-3692; the request works the same way from any nearby town.

Call (816) 310-3692Request