Ravenside Lending, a small-business funding broker in Macon, GA, works by phone and online with Centerville, GA owners. ZIP 31028, which Centerville almost fills, had 130 employer establishments in 2023, 51.5 percent with fewer than five employees (Census ZIP Code Business Patterns). The lending partner decides and sets the terms every time.
| County | Houston County, GA (not Bibb County) |
|---|---|
| ZIP 31028 employers | 130 establishments, 1,356 paid employees (Census ZBP 2023) |
| Under five employees | 51.5 percent of ZIP 31028 employers (same source) |
| Land overlap | Centerville covers about 98 percent of ZIP 31028's land (2020) |
| Office | 128 Rose Ave, Macon, GA, about 14.9 miles north |
Centerville, GA and ZIP 31028
Centerville is in Houston County, outside Bibb County. Unlike most towns around Macon, it almost fills its own ZIP code: Centerville covers about 98 percent of ZIP 31028's land (U.S. Census Bureau, 2020 ZCTA to place relationship file). ZIP figures still follow postal boundaries rather than city limits, so they keep the ZIP label here.
Census counted 130 employer establishments in ZIP 31028 in 2023, paying 1,356 employees roughly $29.5 million for the year. Of those, 51.5 percent had under five people on payroll (U.S. Census Bureau, ZIP Code Business Patterns 2023).
Shops and restaurants lead the count
| Sector | Establishments | Under-5-employee share |
|---|---|---|
| Retail trade | 41 | 51.2% |
| Accommodation and food services | 22 | 13.6% |
| Health care and social assistance | 14 | 64.3% |
| Administrative and support services | 10 | 40.0% |
| Other services | 10 | 80.0% |
| Finance and insurance | 7 | 71.4% |
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023. Retail alone accounts for nearly a third of the ZIP's employer establishments.
Funding questions that fit Centerville, GA
A business base weighted toward retail raises stock questions first: buying ahead of demand, then paying it down as goods sell. Small clinics and food service businesses add equipment and payroll-timing questions. Our Macon, GA page links to the inventory, equipment and working capital pages.
Local registration in Centerville, GA
Businesses in Centerville are outside Macon-Bibb County, so local licensing runs through the City of Centerville and Houston County rather than the Macon-Bibb County Tax Commissioner.
Free advising for Houston County, GA owners
The UGA SBDC in Macon lists Houston County among the counties it serves, and describes consulting at no cost, training and help preparing loan packages (checked 2026-10-16). Ravenside Lending is not affiliated with the SBDC.
Working with Ravenside Lending from Centerville, GA
Call (478) 209-5383 or send the short form. We go over the need and the funding types that fit it. Other Middle Georgia towns are listed on the areas page.
Who Ravenside Lending works with in Centerville, GA
For Centerville, GA owners, Ravenside Lending focuses on the sectors 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. Approval is never automatic for any sector.
What to gather before you call
- Recent business bank statements (partners often ask for three to six months)
- Business and personal tax returns for the latest year
- A driver's license or passport for each owner
- Proof of ownership and business registration
- A simple schedule of current business debt and monthly 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.
What happens after you reach out
- It starts with a call to (478) 209-5383 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.
- After you give the go-ahead, we share the request with suitable lending partners, and each one decides on its own.
- When an offer arrives, weigh its full cost, how payments are scheduled and the conditions. Accepting is entirely your choice.
Our address: 128 Rose Ave, Macon, GA 31204.
By Ravenside Lending · Updated