Small Business Funding by Industry in Louisville, KY and Jefferson County, KY

Trades, building services and construction in Jefferson County, KY

Materials and crews paid before the draw or invoice clears.

Trades we see we cover

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  Construction

  Construction business loans in Louisville, KY: lines of credit for contractors and spec builders, used equipment loans and working capital between draws.

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• Residential builders

  Jefferson County had 338 residential building employers in 2023, 77.8% of them with fewer than five employees. Builders pay for lumber, subcontractors and permits long before a closing or a draw, which is a working capital gap with a fixed end date. Construction business loans in Louisville, KY covers draws, spec building and lines of credit.

  ZIP 40207 held 22 of them, and Nonemployer Statistics, a separate program, counted 1,839 residential builders without paid employees in 2024.

• Drywall, flooring and painting contractors

  Building finishing contractors counted 263 employers in the county in 2023 (NAICS 2383). Their costs run to materials bought per job and crews paid weekly, with payment arriving when a general contractor's draw clears. A line of credit drawn per job and paid down at each draw fits that rhythm. The construction page has the detail.

  164 of the 263 had fewer than five employees, and payroll came to $105.3 million in 2023 (County Business Patterns).

• Business loans for plumbing businesses around Louisville, KY

  Plumbing, heating and air-conditioning contractors numbered 242 employers in Jefferson County in 2023, averaging about 20.0 employees each by our arithmetic. HVAC business financing can split two ways: service vans and equipment, which suit equipment financing, and stock of units and parts, which suits a line. Contractor funding in Louisville, KY takes it further.

  ZIP 40207 held 8 of them, and 48.3% countywide had fewer than five employees (County Business Patterns 2023).

• Electrical contractors

  154 electrical contracting employers operated in the county in 2023. Bucket trucks, lifts and testing equipment are equipment-financing purchases; wire and fixtures bought for a job are a working capital cost until the invoice is paid. The construction loans page matches each cost to a structure.

  Payroll across those employers came to $248.9 million, about $80,610 per employee by our arithmetic, and 46.8% had fewer than five employees.

• Commercial and nonresidential builders

  Nonresidential building construction had 95 employers in the county in 2023, 40.0% under five employees. Commercial jobs can carry retainage, so the gap between paying for labor and collecting can last beyond the end of the work. Read the construction page for lines of credit and draw timing.

  Their 2,046 employees drew $159.4 million in 2023 payroll, about $77,925 each by our arithmetic, wages paid long before retainage is released.

• Roofing contractors

  Roofing had 59 employers in Jefferson County in 2023, and Nonemployer Statistics, a separate program, counted 680 businesses without paid employees in the broader foundation, structure and exterior group in 2024 (NAICS 2381). Trucks, trailers and lifts suit equipment financing; shingles bought ahead of a job suit a short line.

  Of the 59 roofing employers, 34 had fewer than five employees in 2023 (County Business Patterns).

• Landscaping services

  Landscaping services counted 241 employers in the county in 2023, 63.9% of them under five employees. Mowers, trailers and trucks are the large purchases, and each can secure its own financing. Equipment financing explains loans and leases for that kind of fleet.

  Nonemployer Statistics 2024, a separate program, counted 1,018 landscaping businesses without paid employees, and ZIP 40207 held 8 of the employers. Crew wages run weekly whether or not a commercial client has paid.

• Janitorial and cleaning companies

  Janitorial services had 190 employers in Jefferson County in 2023 and 3,924 businesses without paid employees in the separate 2024 Nonemployer count (NAICS 56172). Cleaning crews are paid weekly while commercial clients may pay on terms. Working capital is built for that gap.

  Payroll at the 190 employers came to $90.2 million in 2023, about $25,221 per employee by our arithmetic, and 54.7% had fewer than five employees.

Restaurants, bars, hotels and food makers in Jefferson County, KY

Card receipts, kitchens and rooms.

Trades we see we cover

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  Restaurants

  Restaurant line of credit in Louisville, KY, plus equipment financing, remodel loans and buying an existing restaurant, with Jefferson County, KY figures.

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• Restaurants, from counter service to full service

  Limited-service restaurants numbered 690 and full-service restaurants 620 in Jefferson County in 2023. Kitchens buy food several times a week, pay hourly wages and take much of their revenue by card. Restaurant line of credit in Louisville, KY covers kitchen equipment, remodels and credit lines.

  ZIP 40207 held 50 full-service and 48 limited-service employers in 2023 (ZBP), and by our sum the two codes paid $732.2 million in payroll countywide.

• Bar business loans

  Jefferson County had 101 drinking-place employers in 2023 (NAICS 7224). A bar's costs are stock, draft systems, coolers and build-outs, and its sales come in nightly by card and cash. A line of credit handles uneven weeks; coolers and draft lines can be financed as equipment.

  Of those 101, 22 had fewer than five employees, and payroll came to $31.5 million in 2023, about $23,093 per employee by our arithmetic.

• Business loans for hotels for owners in Jefferson County, KY

  Traveler accommodation, hotels and motels, counted 136 employers in the county in 2023, averaging about 30.5 employees each by our arithmetic. Buying a hotel or refitting rooms is a term loan and equipment question. How to get a loan to buy a hotel in Louisville, KY walks through it.

  29 of the 136 had fewer than five employees, and ZIP 40207 held 5 (ZIP Code Business Patterns 2023).

• Food truck business loans, explained for Louisville, KY owners

  A food truck's main purchase is the truck and its kitchen fit-out, which can be financed as equipment with the truck as collateral. No separate county count for food trucks appears in the Census data used here. Commissary rent, permits and stock are smaller running costs. Equipment financing covers new and used vehicles.

  Mobile food services carry their own NAICS code, so trucks sit outside the restaurant counts above.

• Food manufacturers

  Food manufacturing had 68 employers in Jefferson County in 2023, averaging about 65.2 employees each by our arithmetic. Production lines, packaging machines and refrigeration are the large purchases, and ingredients are bought ahead of orders. Equipment financing fits the line itself.

  Their 4,433 employees drew $269.5 million in 2023 payroll, about $60,785 each by our arithmetic, and 21 of the 68 plants had fewer than five employees.

Care and community services around Louisville, KY

Wages ahead of tuition and program payments.

• Child care centers

  Child day care services counted 200 employers in Jefferson County in 2023 and, in the separate Nonemployer count, 931 providers without paid employees in 2024. Wages are the main cost, and tuition or program payments can arrive on a different schedule. Working capital covers the gap.

  53 of the 200 employers had fewer than five employees in 2023, and payroll came to about $25,018 per employee by our arithmetic.

Professional and office firms in Louisville, KY

Billable work and the wait for fees.

Trades we see we cover

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  Accounting, Consulting & Design

  Architecture firm loans in Louisville, KY, plus funding for accounting, CPA, consulting and IT firms: lines of credit, working capital and acquisitions.

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  Law Firms

  Law firm financing in Louisville, KY: lines of credit for case costs and wages, partner buy-in loans and working capital, with Jefferson County, KY data.

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  Insurance Agencies

  Insurance agency financing in Louisville, KY: loans to buy an agency or a book and working capital between commissions, with Jefferson County, KY data.

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• Law firms

  Legal services counted 500 employers in the county in 2023, 67.4% under five employees. Firms carry case costs and wages long before a fee is collected. Law firm financing in Louisville, KY covers lines of credit and partner buy-ins.

  ZIP 40207 held 49 of them in 2023, and Nonemployer Statistics, a separate program, counted 770 legal businesses without paid employees in 2024.

• Insurance agencies

  Insurance agencies and related businesses had 499 employers in Jefferson County in 2023 (NAICS 5242). Commissions arrive on carriers' schedules, and buying a book of business is a lump-sum cost. Insurance agency financing in Louisville, KY covers both.

  65.5% had fewer than five employees, ZIP 40207 held 42 of them in 2023, and payroll averaged about $88,867 per employee by our arithmetic.

• Accounting and consulting firms

  Accounting, tax and payroll firms counted 313 employers in the county in 2023, and management and technical consulting firms 429. Firms bill by engagement while wages fall due every pay period. Architecture firm loans in Louisville, KY covers accounting, consulting, IT and design firms.

  ZIP 40207 held 23 accounting and 38 consulting employers in 2023 (ZIP Code Business Patterns), and 74.6% of consulting employers countywide had fewer than five employees.

• IT and architecture firms

  Computer systems design firms numbered 290 employers in Jefferson County in 2023 and architectural and engineering firms 269. Both bill by project and wait on client payments. A business line of credit smooths the wait between invoices.

  Payroll per employee averaged about $89,169 in computer systems design and about $87,559 in architecture and engineering, by our arithmetic from County Business Patterns 2023.

• Veterinary practices

  Veterinary services had 95 employers in the county in 2023, averaging about 14.8 employees each by our arithmetic. Surgical suites, imaging and kennels are equipment and build-out costs. Equipment financing fits the equipment.

  26 of the 95 had fewer than five employees, ZIP 40207 held 6, and Nonemployer Statistics, a separate program, counted 50 veterinary businesses without paid employees in 2024.

• Staffing agencies

  Temporary help services counted 148 employers in Jefferson County in 2023, with 9,090 employees. A staffing firm pays its placed workers weekly and bills clients on terms, which makes payroll the gap to fund. Working capital and receivables-based lines are built for it.

  That works out to about 61.4 employees per firm by our arithmetic, with $385.7 million in payroll in 2023.

Stores, grocers, fuel and car lots around Louisville, KY

Shelves and lots stocked ahead of selling.

Trades we see we cover

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  Retail

  Retail store business loans in Louisville, KY: inventory, fixtures, payroll and expansion for Jefferson County, KY shops, grocers and hardware stores.

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  Grocery & Liquor Stores

  Grocery store financing in Louisville, KY: coolers, shelving and stock for grocers and liquor stores, with Jefferson County, KY counts for both.

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  Gas Stations & C-Stores

  Gas station loans in Louisville, KY: buying a station, pumps and canopy, fuel and store stock, convenience store funding, with Jefferson County, KY data.

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• Clothing and accessories stores

  Clothing and accessories stores had 307 employers in Jefferson County in 2023, and ZIP 40207 alone held 83 of them (ZBP 2023). Collections are bought months ahead of selling. Retail store business loans in Louisville, KY covers stock, fixtures and expansion.

  Payroll averaged about $22,055 per employee countywide by our arithmetic, and 27.7% of the stores had fewer than five employees.

• Grocery and liquor stores

  Grocery stores counted 213 employers in the county in 2023 and beer, wine and liquor stores 186. Coolers, shelving and stock are the costs that recur. Grocery store financing in Louisville, KY covers both kinds of store.

  56.3% of grocers and 75.3% of liquor stores had fewer than five employees, and ZIP 40207 held 9 of each (County Business Patterns and ZIP Code Business Patterns 2023).

• Gas stations and convenience stores

  Gasoline stations had 209 employers in Jefferson County in 2023 and convenience stores 68. Fuel loads, store stock and pump or tank work are the large costs. Gas station loans in Louisville, KY matches each to a structure.

  31.1% of stations and 86.8% of convenience stores had fewer than five employees, and ZIP 40207 held 8 stations in 2023 (ZBP).

• Building material and garden suppliers

  Building material and garden supply dealers counted 152 employers in the county in 2023, averaging about 24.4 employees each by our arithmetic. They carry deep stock and extend terms to contractors. Inventory financing covers the stock side.

  ZIP 40207 held 12 of them, and payroll came to $148.2 million in 2023, about $39,951 per employee by our arithmetic; 32.2% had fewer than five employees.

• Furniture and home furnishings stores

  Furniture and home furnishings stores had 131 employers in Jefferson County in 2023. Showroom stock is bulky, and delivery trucks add an equipment cost. A line of credit can fund each order and be paid down as pieces sell.

  49.6% had fewer than five employees, ZIP 40207 held 23 of them, and payroll averaged about $40,092 per employee by our arithmetic.

• Car and truck dealers

  Automobile dealers numbered 123 employers in the county in 2023, averaging about 31.5 employees each by our arithmetic. Vehicle inventory can be carried on a dedicated floor-plan line. Inventory financing explains how stock-secured funding works.

  ZIP 40207 held 9 of them in 2023, and their 3,879 employees drew $299.2 million in payroll, about $77,139 each by our arithmetic; 55 had fewer than five.

Smaller Jefferson County, KY Groups Not Listed Above

Smaller groups served the same way.

• Carpet and upholstery cleaners

  Carpet and upholstery cleaning counted 13 employers in the county in 2023, too few for a page of their own. A truck-mounted unit and the van carrying it are the main purchase. Equipment financing covers both.

  Nonemployer Statistics, a separate program, counted 166 carpet and upholstery cleaners without paid employees in the county in 2024, with $3.3 million in receipts.