Thirty-seven Howard County, IN trades, how each can use funding, and where to read more.
Crews, materials and machines paid for before the customer pays.
Contractor and builder funding in Kokomo, Indiana: lines of credit, working capital and equipment financing, with Howard County, IN counts and permits.
Plumbing and HVAC contractor funding in Kokomo, Indiana: service vans, equipment stock, payroll and buying a company, with Howard County, IN counts.
Landscaping and lawn care funding in Kokomo, Indiana: mower and equipment loans, credit lines for uneven months, buying a route, with county counts.
Residential builders (35 county employers, 80.0% with fewer than five employees; 180 no-payroll builders in 2024) carry materials and crews between draws. Lines of credit and equipment financing are the usual fit. Read the construction page.
Seven nonresidential building contractors had employees in 2023. Commercial work brings longer payment terms and retainage, so a line of credit sized to concurrent jobs is worth comparing with a single loan. See lines of credit.
Twenty-six employers with 449 employees in 2023. Service vans, stocked equipment and skilled payroll drive their funding needs. Read the plumbing and HVAC page.
Twelve electrical contractors had employees in 2023 and 25 operated without employees in 2024. Wire and fixtures bought ahead of progress payments make a line of credit a natural fit, with equipment financing for lifts and vans. Compare lines of credit.
Twenty-eight employers and 124 no-payroll operators. Mowers, trucks and trailers are the main equipment. Read the landscaping page.
Food, wages and card fees daily; remodels every few years.
Restaurant funding in Kokomo, Indiana: working capital, credit lines, kitchen equipment, walk-in coolers, POS systems and remodels, with county counts.
Ninety limited-service restaurants had employees in 2023, the largest restaurant group in the county. Daily card sales keep cash moving; kitchen equipment and remodels need longer money. Read the restaurants page.
Fifty-nine full-service restaurants employed 1,741 people in 2023. Catering terms, dining-room remodels and walk-in coolers are possible funding needs. See equipment financing.
Twenty-two snack and nonalcoholic beverage bars had employees in 2023. Espresso machines, blenders and refrigerated cases are equipment-financing requests; a small line of credit can carry stock. Restaurant funding covers these too.
Seventeen bars had employees in 2023. Coolers, draft systems and remodels are equipment and term-loan requests; payroll and stock gaps are working capital. See working capital.
Twenty-six grocery stores employed 458 people in 2023. A grocery store business loan can involve stock and refrigeration that runs constantly; inventory financing and equipment financing are the first structures to compare. See inventory financing.
Chairs, imaging, build-outs and slow insurance checks.
Medical and dental practice financing in Kokomo, Indiana: equipment, build-outs, practice purchases and working capital, with Howard County, IN counts.
Funding for chiropractors, physical therapists and optometrists in Kokomo, Indiana: equipment, clinic build-outs and working capital, with county counts.
Forty-seven physician offices with employees in 2023, with $41.8 million in payroll. Build-outs, equipment and claims gaps are the usual needs. Read the medical and dental page.
Thirty-nine dental offices had employees in 2023. Chairs, imaging and practice purchases are the classic requests. See term loans for practice purchases.
Fifty-seven employer practices and 87 no-payroll practitioners. Tables, rehab gear and exam equipment, plus payroll while claims are paid. Read the practitioners page.
Twenty-eight outpatient care centers employed 338 people in 2023. Diagnostic and treatment equipment is the usual request, with build-outs on a term loan. See equipment financing.
Nineteen home health agencies employed 363 people in 2023. A home health care business loan can involve payroll paid before payers reimburse, so working capital and credit lines fit. See working capital.
Twenty-three health and personal care stores had employees in 2023. Stock that must be bought ahead and reimbursements that arrive later make inventory financing the first structure to look at. See inventory financing.
Ten veterinary practices employed 114 people in 2023. Surgical, imaging and dental equipment for animals is financed much like human medical equipment. See equipment financing.
Stock bought ahead of sales, plus fixtures and coolers.
Retail store and boutique funding in Kokomo, Indiana: inventory, credit lines, fixtures and buying a boutique, with Howard County, IN store counts.
Gas station and convenience store funding in Kokomo, Indiana: buying a station, fuel and store inventory, equipment, and what partners require.
Forty-four gasoline stations had employees in 2023, 21 of them at ZIP 46901 addresses. Station purchases, fuel and store stock are the main requests. Read the gas stations page.
Seventeen convenience stores without fuel had employees in 2023. Coolers and stock are the likely needs. The gas station page covers stores too.
Forty clothing and accessories stores had employees in 2023, and 53 operated without employees in 2024. Buying stock ahead of sales is the core funding need. Read the retail page.
Twenty-five general merchandise stores employed 1,094 people in 2023. Volume stock purchases suit inventory financing or a line of credit. See inventory financing.
Twenty-four specialty retailers had employees in 2023, and 63 operated without employees in 2024. Small, specific stock orders and fixtures are possible needs. See lines of credit.
Eighteen furniture stores had employees in 2023. Large, slow-turning stock makes inventory terms and floor-plan style credit important. See inventory financing.
Sixteen dealers employed 438 people in 2023. Stock bought by the truckload and contractor accounts paid on terms make credit lines and inventory financing the fit. Compare inventory financing.
Bays, parts shelves and cars on the lot.
Auto repair shop loans in Kokomo, Indiana: lifts, diagnostic tools, parts inventory and payroll, plus a simple shop financial plan and county counts.
Forty-nine employer shops, 63.3% with fewer than five employees, and, in a separate program, 45 no-payroll shops. Lifts, scanners and a shelf of parts. Read the auto repair page.
Twenty car dealers employed 392 people in 2023. Vehicles on the lot are inventory; partners that finance dealer inventory review turn and floor-plan terms closely. See inventory financing.
Fifteen auto parts stores had employees in 2023. Parts stock suits inventory financing or a credit line. See lines of credit.
Fee and commission timing, acquisitions and office costs.
Insurance agency funding in Kokomo, Indiana: buying a book of business, acquisition loans and working capital for producers, with Howard County, IN counts.
Law firm funding in Kokomo, Indiana: lines of credit and working capital for fee timing, partner buy-ins and office costs, with Howard County, IN counts.
Thirty-three employer agencies and 70 no-payroll agencies. Buying books of business and funding producers are the main requests. Read the insurance agencies page.
Twenty-nine legal-services employers, 25 of them at ZIP 46901 addresses. Fee timing drives the need for credit lines. Read the law firms page.
Twenty-three accounting firms employed 271 people in 2023, and 50 operated without employees in 2024. Accounting firm loans can cover hiring ahead of filing deadlines and buying another firm's client list; a line of credit handles the first, a term loan the second. See lines of credit.
Fifteen real estate offices had employees in 2023, and 130 agents operated without employees in 2024. Commission timing makes a modest line of credit the usual tool. Compare lines of credit.
Ten architecture and engineering firms had employees in 2023. Project billing on milestones makes credit lines useful, with equipment financing for survey and design tools. See lines of credit.
Chairs, stations and build-outs for service businesses.
Sixteen beauty salons had employees in 2023, while 217 operated without employees in 2024. Hair salon business loans can cover chairs, stations and a build-out. See equipment financing.
Rooms, renovations and long-lived property improvements.
Eleven hotels and motels employed 156 people in 2023. Room renovations and property improvements are long-lived, so term loans are the usual structure. See term loans.
Payroll-heavy services and machine-heavy shops.
Twenty child day care employers and 100 no-payroll providers in the county. Childcare business loans and a business loan for a daycare center can pay for classroom furniture, play equipment and vans, with payroll gaps covered by working capital. See equipment financing.
Twenty-eight individual and family service providers employed 448 people in 2023. Payroll ahead of reimbursement is a likely need. See working capital.
Ten janitorial employers and 182 no-payroll cleaners. Payroll before monthly contract payments and equipment such as floor machines are the usual requests. See working capital.
Fifteen fabricated metal manufacturers employed 302 people in 2023. Small business manufacturing loans in this trade can involve CNC machines, press brakes and welders, financed as equipment. See equipment financing.
Palmwick Lending, a small-business funding service in Kokomo, Indiana, helps owners across most industries compare funding. This page groups 37 Howard County, IN trades, notes how each can use working capital, credit lines, inventory or equipment financing, and links to detailed pages for eleven of them. Lending partners review every request and decide.
Lending partners consider businesses across most industries. What decides a request is the business's own records: revenue history, bank statements, existing debt and what the money will pay for. The notes below cover how different Howard County, IN trades can use funding, with 2023 County Business Patterns employer counts for the county and, where useful, 2024 Nonemployer Statistics no-payroll counts. Eleven trades have their own detailed pages.
Partners do not fund every purpose: Palmwick does not arrange agriculture or trucking funding, personal loans or SBA loans.
By Palmwick Lending · Updated
