Rockbank Capital Group, a small-business funding broker in Cookeville, Tennessee, has no Monterey address; owners there reach it by phone or through the online form. ZIP 38574 had 122 employer establishments in 2023, 60.7 percent with fewer than five employees, led by retail, other services and construction (Census ZBP). Lending partners make credit decisions and set rates and terms.
| County | Putnam County, TN |
|---|---|
| Distance | 13 miles east of Cookeville, TN, straight line |
| ZIP 38574 employers | 122 (ZBP, 2023) |
| Under five employees | 60.7% of ZIP employers, 2023 |
| ZIP 38574 payroll | $71.4 million, 1,755 employees |
ZIP 38574 by sector
ZIP 38574, the postal ZIP for Monterey, held 122 employer establishments in 2023, with 1,755 paid employees and $71.4 million in annual payroll; 74 of them had fewer than five employees (U.S. Census Bureau, ZIP Code Business Patterns 2023). Monterey covers 1.8 percent of the ZIP's land, so these counts include businesses well outside town limits.
| Sector | Establishments | Share under 5 employees |
|---|---|---|
| Retail trade | 19 | 42.1% |
| Other services | 18 | 94.4% |
| Construction | 17 | 70.6% |
| Accommodation and food services | 15 | 33.3% |
| Manufacturing | 9 | 0.0% |
| Health care and social assistance | 8 | 62.5% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023.
Very small firms, and what partners weigh
Among ZIP 38574's 18 other-services employers, such as repair shops, salons and similar trades, 94.4 percent had fewer than five employees, and 70.6 percent of its 17 construction employers did too. A business that size usually means the owner's own credit history and a clean business bank account carry most of a funding request.
Monterey shares Putnam County's wider pattern: 45.7 percent of the county's 1,988 employer establishments had fewer than five employees in 2023 (U.S. Census Bureau, County Business Patterns 2023). The difference in ZIP 38574 is that the share is higher still.
Trades and shops in ZIP 38574
For the ZIP's construction employers, equipment financing for a compact loader or a work trailer is the usual first request, since the item secures its own payments. For the retailers, stock bought ahead of sales is the recurring cost. Manufacturing establishments in the ZIP, nine in 2023, sit outside the four sectors our partners concentrate on.
Putnam County, TN figures that also describe Monterey, TN
Because Monterey is inside Putnam County, county figures apply to it in a way they do not to Sparta or Livingston. Two are worth knowing for a funding request. Putnam County builders pulled permits for 629 new residential units in 2025, after 700 in 2024 (U.S. Census Bureau, Building Permits Survey), steady work for the trades that make up a large share of ZIP 38574's employers. And the county had 1,017 construction businesses with no employees in 2024 (Nonemployer Statistics), many of them one-person outfits whose owners will be asked for personal tax returns rather than business financials.
A one-person contractor in or around Monterey usually has the easiest path through equipment financing, where the machine itself carries part of the risk.
From Monterey, TN to East Broad Street
Phone (931) 213-5648 or send the short online request; the whole process runs by phone and online. Rockbank's only address is 316 E Broad St, Cookeville, TN 38501, about 13 miles away. Our Cookeville, TN page has the office details, and every area we cover is listed on one page.
Who Rockbank Capital Group works with in Monterey, TN
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 Monterey, TN 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
- An up-to-date P&L and balance sheet, even if you prepare them yourself
- Photo ID for every owner of the business
- A list of existing business debts and 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.
How a request moves forward
- You call (931) 213-5648 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.
- You hear which options match the need and what a partner will likely want to review. We submit nothing without your approval.
- 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 office is at 316 E Broad St, Cookeville, TN 38501.
By Rockbank Capital Group · Updated