Temple, PA owners can work with Truevale Loans, a small-business funding broker in Reading, Pennsylvania, about 5.1 miles south. ZIP 19560 had 175 employer establishments in 2023, with retail trade the largest sector (Census ZIP Code Business Patterns). Truevale introduces Temple businesses to lending partners, which make credit decisions and set rates and terms.
| Place type | Census-designated place (unincorporated), Berks County |
|---|---|
| ZIP 19560 employers | 175 establishments, 2,810 paid employees (Census ZBP 2023) |
| Under five employees | 46.3 percent of ZIP 19560 employers (same source) |
| Largest sector | Retail trade, 30 establishments in ZIP 19560 |
| Nearest address | 722 Cherry St, Reading, PA, about 5.1 miles south (straight line) |
Temple, PA has no borough hall
The U.S. Census Bureau classifies Temple as a census-designated place: a named, settled community with no municipal government of its own. For a business, that means local registration and permits run through the township that contains the address, not through a Temple town office. State registration goes through the Pennsylvania Department of State and the Department of Revenue.
Interpreting the ZIP 19560 figures
Temple lies entirely within ZIP 19560 but covers only about 4 percent of its land (U.S. Census Bureau ZIP code relationship files, 2020), so the counts below describe the Temple postal area. In 2023, ZIP 19560 had 175 employer establishments, 2,810 paid employees and an annual payroll of about $95.3 million; 46.3 percent of the employers had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023).
Retail and trades side by side
| Sector | Establishments | Share with under 5 employees |
|---|---|---|
| Retail trade | 30 | 33.3% |
| Construction | 26 | 76.9% |
| Other services | 22 | 45.5% |
| Accommodation and food services | 21 | 19.0% |
| Finance and insurance | 13 | 53.8% |
| Administrative, support and waste services | 12 | 66.7% |
| Manufacturing | 11 | 0.0% |
| Health care and social assistance | 11 | 45.5% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023. Two different kinds of business stand out. Retailers and food service businesses here tend to be larger employers: only about one in five food businesses had fewer than five employees. Construction firms are the opposite, with more than three in four below that size.
Funding questions that follow from the mix
Stores that carry stock ask about paying for it before it sells; inventory financing and lines of credit are the usual tools, and each has trade-offs around collateral. Restaurants with bigger payrolls ask more often about kitchen equipment and timing gaps than about a single large purchase. Small contractors, as elsewhere in Berks County, ask about trucks, trailers and the wait between invoice and payment. Lending partners decide what, if anything, to offer.
Self-employment in Temple, PA
The American Community Survey estimate for Temple residents (4.2 percent self-employed, plus or minus 3.3 points, 2020-2024) is too imprecise to compare with the county's 7.7 percent.
Working with Truevale Loans from Temple, PA
The Cherry Street address in Reading, PA is about 5.1 straight-line miles south of Temple. Start by phone at (610) 492-6359 or with the short online form; paperwork reaches the lending partner at a later stage. See the Reading, PA page for city data and free advising, or the full list of Berks County communities.
The Temple, PA owners we usually hear from
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 Truevale Loans works with businesses like these in Temple, PA. Each partner still decides case by case.
Paperwork partners commonly ask for
- Business checking statements covering roughly the last quarter or two
- Your most recent business tax return
- Photo ID for every owner of the business
- Your articles of organization or incorporation and the EIN letter
- A list of existing business debts and payments
- For equipment, the seller's quote with make, model and price
No two partners ask for exactly the same file, so use this as a checklist rather than a rule.
From first call to a partner's decision
- You call (610) 492-6359 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.
- If a partner makes an offer, you compare the total cost, payment schedule and terms. You are never obligated to accept.
Truevale Loans is based at 722 Cherry St, Reading, PA 19602.
By Truevale Loans · Updated
