Business Loans by Industry in Palm Coast, FL: Trades, Practices, Shops and Kitchens

Builders, Finishers and Mechanical Trades in Flagler County, FL

Materials and crews paid before draws and final invoices clear.

Kinds of Businesses Close to Palm Coast, FL

• 

  Construction

  Contractor business loans in Palm Coast, FL: equipment, draw gaps, retainage, credit lines and working capital for Flagler County, FL builders and trades.

  More

• Contractors and Remodelers: The County’s Largest Sector by Number of Employers

  Construction counted 420 employer establishments in Flagler County, FL in 2023, more than any other sector, and 73.1% had fewer than five employees (CBP 2023). Residential building construction accounted for 106 of them, 67 of those residential remodelers. Payroll and materials paid before draws, plus trucks and compact machines, are the usual costs. Contractor business loans in Palm Coast, FL covers them in full.

  The Building Permits Survey recorded 2,586 new housing units authorized countywide in 2025, a measure of how much residential work is underway.

• Drywall, Paint, Tile and Finish Carpentry Firms in Flagler County, FL

  Building finishing contractors (NAICS 2383) counted 109 employer establishments in the county in 2023, and 80.7% had fewer than five employees (CBP 2023); finish carpentry alone counted 42. These crews buy sprayers, saws and trailers and wait on builders to pay for completed work, so working capital and equipment financing are the two funding types that come up, both covered on the construction page.

  A finishing crew that waits 30 or 45 days on a builder can size a request to that wait rather than to a full year of costs.

• Business Loans for HVAC Companies and Plumbers in Flagler County, FL

  Plumbing, heating and air-conditioning contractors counted 43 employer establishments in Flagler County, FL in 2023, with 271 paid employees (CBP 2023, NAICS 238220). Service vans, diagnostic tools and stocked parts are the core costs, along with payroll between job completion and payment. Equipment financing covers vans and tools; a line of credit covers parts and wages.

  Of those 43 firms, 28 had fewer than five employees (CBP 2023), so many are owner-run shops with one or two vans on the road.

• Electrical Contractors Around Palm Coast, FL

  Electrical contractors counted 29 employer establishments with 242 paid employees in the county in 2023 (CBP 2023, NAICS 238210). Wire, panels and fixtures are often bought for a job before the customer pays, and lifts and trucks are long-lived purchases. Working capital and equipment financing match those two needs.

  Sixteen of those 29 electrical firms had fewer than five employees (CBP 2023). Bucket trucks and lifts can be financed new or used, with the machine as collateral.

• Roofers and Other Specialty Trades in Flagler County, FL

  Roofing contractors counted 18 employer establishments in 2023 and other specialty trade contractors 49 (CBP 2023). Materials, dumpsters, lifts and crew wages come due before homeowners and builders pay; a credit line sized to the job cycle and equipment financing for machines are the funding types that line up.

  Nonemployer Statistics counted 102 businesses without paid employees in the wider foundation, structure and exterior group that holds roofers (NAICS 2381, 2024).

• Independent Contractors Without Payroll in Flagler County, FL

  Nonemployer Statistics counted 1,479 construction businesses without paid employees in Flagler County, FL for 2024, a separate program from the employer counts. A one-person outfit can send a request too; partners read its bank deposits and returns the same way, and equipment financing backed by the tool or truck is often the first match.

  Keeping business deposits in a separate account from household money lets a partner read the statements without sorting personal spending out first.

Restaurants, Bars and Grocers in Flagler County, FL

Kitchen gear, food bought in bulk and hourly payroll.

Kinds of Businesses Close to Palm Coast, FL

• 

  Restaurants

  Restaurant loans in Palm Coast, FL: kitchen equipment, remodels, cash flow, cash advances and buying a restaurant in Flagler County, FL.

  More

• Full-Service and Counter-Service Restaurants in Flagler County, FL

  The county counted 83 full-service and 74 limited-service restaurant employers in 2023, 157 in all (CBP 2023; our arithmetic), and 177 at the wider restaurants and other eating places level (NAICS 7225). Hoods, coolers, remodels and payroll drive requests. Restaurant loans in Palm Coast, FL covers them.

  The two formats differ in size: 26.5% of full-service and 25.7% of limited-service restaurants had fewer than five employees (CBP 2023), so payroll weighs heavily in both.

• Bars and Taverns Around Palm Coast, FL

  Drinking places counted 14 employer establishments with 114 paid employees in Flagler County, FL in 2023 (CBP 2023, NAICS 7224). A bar’s costs follow a restaurant’s: coolers, taps and remodels on one side, stock and payroll on the other. The restaurant page applies, and card-heavy sales also make a merchant cash advance one option to compare.

  Of the 14 bars, eight had fewer than five employees (CBP 2023). Before comparing any advance, total its cost against a working capital loan.

• Grocery Stores in Flagler County, FL

  Grocery stores counted 21 employer establishments in 2023 but 1,124 paid employees (CBP 2023, NAICS 4451), so a few larger stores account for much of that payroll. A small grocer’s needs are refrigeration, shelving and stock bought weekly; equipment and inventory financing are the matches.

  Specialty food shops and smaller grocers, with seven of the 21 under five employees (CBP 2023), can size a request to a single cooler or one stock order.

Accountants, Agencies, Consultants and Law Offices in Flagler County, FL

Salaries, software and practice purchases against billing cycles.

Kinds of Businesses Close to Palm Coast, FL

• 

  Accounting Firms

  Accounting firm loans in Palm Coast, FL: buying an accounting practice, hiring, software and working capital for Flagler County, FL CPA and tax offices.

  More
• 

  Insurance Agencies

  Insurance agency loans in Palm Coast, FL: buying a book, hiring producers, agency software and working capital for Flagler County, FL agencies.

  More

• Accounting, Tax and Bookkeeping Firms in Flagler County, FL

  Accounting, tax preparation, bookkeeping and payroll services counted 59 employer establishments in 2023, and 89.8% had fewer than five employees (CBP 2023, NAICS 5412). Hiring ahead of busy months and buying a book of clients drive requests. Accounting firm loans covers both.

  Other accounting services, the six-digit code that holds many bookkeeping offices, counted 37 of those employers (CBP 2023, NAICS 541219).

• Insurance Agencies Around Palm Coast, FL

  Insurance agencies and related firms counted 57 employer establishments in the county in 2023 (CBP 2023, NAICS 5242), 49 of them insurance agencies (NAICS 524210). Producer salaries ahead of commissions and book purchases are the usual costs. Insurance agency loans has more.

  Of the 57 firms, 82.5% had fewer than five employees, and Nonemployer Statistics counted 288 insurance businesses without paid employees for 2024, a separate program.

• Consulting Firms in Flagler County, FL

  Management, scientific and technical consulting services counted 73 employer establishments in 2023, and 94.5% had fewer than five employees (CBP 2023, NAICS 5416). Their costs are people and software paid while client invoices are outstanding, so a line of credit matched to the billing cycle is the usual fit.

  Nonemployer Statistics counted 548 consulting businesses without paid employees for 2024, a separate program from the 73 employers. Office build-outs suit a term loan.

• Law Offices and Engineering Firms Around Palm Coast, FL

  Legal services counted 31 employer establishments and architectural and engineering firms 34 in Flagler County, FL in 2023 (CBP 2023). Both bill clients after the work is done and carry salaries in the meantime; working capital or a revolving line covers that receivables gap, and term loans cover office build-outs.

  Of the 31 law offices, 74.2% had fewer than five employees; of the 34 engineering and architecture firms, 91.2% did (CBP 2023).

Stores, Online Sellers and Fuel Stations in Flagler County, FL

Shelf stock, fixtures and point-of-sale gear.

Kinds of Businesses Close to Palm Coast, FL

• 

  Retail

  Retail business loans in Palm Coast, FL: stock, fixtures, POS systems, boutiques and working capital for Flagler County, FL stores.

  More

• Retail Stores Across Flagler County, FL

  Retail trade counted 301 employer establishments in 2023 and 4,482 paid employees, more employees than any other sector (CBP 2023). Stock, fixtures and point-of-sale systems drive requests. Retail business loans in Palm Coast, FL covers them.

  Retail payroll reached $147.5 million in 2023 (CBP 2023), and 49.8% of retail employers had fewer than five employees, a lower small-firm share than most county sectors.

• Building Supply, Clothing and Furniture Stores in Flagler County, FL

  Building material and garden supply dealers counted 29 employer establishments in 2023, clothing stores 21 and furniture and home furnishing stores 11 (CBP 2023). Each carries stock bought before it sells, which makes inventory financing and a revolving line the funding types to compare.

  Building supply dealers had 658 paid employees across 29 locations, clothing stores 246 across 21 (CBP 2023).

• Business Loans for Online Businesses Based in Flagler County, FL

  Electronic shopping and mail-order houses counted 28 employer establishments in the county in 2023 (CBP 2023, NAICS 454110). Online sellers buy stock and advertising before sales settle; partners read platform payout reports beside bank statements, and inventory financing or a credit line are the usual matches.

  Of the 28 online sellers with payroll, 22 had fewer than five employees, and 14 used a ZIP 32137 address (CBP and ZBP 2023).

• Gas Stations and Convenience Stores Around Palm Coast, FL

  Gasoline stations counted 24 employer establishments with 214 paid employees in Flagler County, FL in 2023 (CBP 2023, NAICS 4471). Fuel and store stock turn over constantly, and pumps, tanks and coolers are long-lived equipment; inventory financing and equipment financing match those two needs.

  Only 25.0% of the stations had fewer than five employees (CBP 2023). Gas stations with convenience stores accounted for all 24 at the six-digit level (NAICS 447110).

Real Estate Offices and Property Managers in Flagler County, FL

Commission timing and office costs; property purchases go to mortgage lenders.

• Real Estate Agents and Sales Offices in Flagler County, FL

  Real estate agent offices counted 138 employer establishments in 2023, the most of any six-digit industry in the county, and 93.5% had fewer than five employees (CBP 2023, NAICS 5312). Office costs and marketing paid before commissions close can be covered by working capital or a line; commission advances are not a product here.

  Nonemployer Statistics counted 728 real estate agent businesses without paid employees for 2024, a separate program.

• Property Managers and Real Estate Lessors Around Palm Coast, FL

  Activities related to real estate, such as property management, counted 56 employer establishments in 2023 and lessors of real estate 31 (CBP 2023). Their operating costs, software and vehicles can be requested; buying property is mortgage lending, which Elmpark does not arrange.

  Residential property managers alone counted 28 employer establishments (NAICS 531311, CBP 2023). Vehicles and software for a management firm can be requested; buildings cannot.