Industry-Specific Business Funding for Findlay, OH Companies
Each trade pays its bills on its own clock. These notes match more than thirty kinds of Hancock County, OH businesses with the funding shapes that fit them.
Construction business loans in Findlay, OH: equipment financing, credit lines for contractors and builders, draws, retainage and Hancock County, OH counts.
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Construction contractors
121 construction employer establishments, 52.9% with fewer than five employees, and $77.9 million in payroll in 2023. Nonemployer Statistics 2024, a separate program, counted 531 construction businesses with no payroll. Materials, crews and retainage drive the gap; machines are equipment financing. Construction business loans covers the trade. Payroll for construction employers in Hancock County, OH came to $77.9 million across 1,183 employees in 2023, about $65,800 per employee by our arithmetic (County Business Patterns 2023).
Specialty trade contractors
23 employers in NAICS 2389, the catch-all for site prep, finish and other specialty work, 69.6% under five employees. Nonemployer Statistics 2024 counted 96 such businesses without payroll. Small crews buy materials per job and wait on the GC; a line of credit sized to the job list fits. See construction funding. County Business Patterns puts 2023 payroll for other specialty trade contractors in Hancock County, OH at $10.3 million for 134 workers, roughly $76,700 a worker by our arithmetic.
Residential builders
21 residential building contractors with payroll, 61.9% under five employees; Nonemployer Statistics 2024 counted 148 without payroll. The county permitted 361 new housing units in 2025 (Building Permits Survey). Builders carry lot, permit and framing costs before a draw or sale. Read the construction page for draw timing. Those residential building construction employers paid $4.1 million in wages to 100 employees during 2023 (County Business Patterns), close to $40,800 per person by our arithmetic.
Plumbing, heating and air-conditioning contractors
20 employers in NAICS 238220, 65.0% under five employees, with $7.2 million in payroll. Service vans, parts stock and replacement-system jobs on account drive requests. Vans are equipment financing; parts can be inventory financing or a line. The contractor page has the rest. Divide the $7.2 million 2023 payroll of plumbing, heating and AC contractors in Hancock County, OH by their 128 employees and the result is about $56,200 each (our arithmetic on County Business Patterns 2023).
Electrical, nonresidential and roofing contractors
9 electrical contractors, 9 nonresidential builders and 3 roofing contractors with payroll in 2023. Wire and gear, commercial job draws and shingles bought per job are the costs; payment may follow inspection or closeout. A line of credit bridges the job cycle and equipment financing covers lifts and trucks. See construction business loans. ZIP Code Business Patterns 2023 places 5 of the electrical contractors at a ZIP 45840 address, a postal area that does not match the Findlay, OH city limits.
Stores and Showrooms Around Findlay, OH
Stock bought before it sells; fixtures that outlast it.
Retail store loans in Findlay, OH: inventory for boutiques and clothing stores, fixtures and remodels, credit lines, and Hancock County, OH retail counts.
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Retail stores
241 retail employer establishments, the highest count of any sector in the county, with 3,974 employees; 33.6% had fewer than five. Nonemployer Statistics 2024 counted 450 retail businesses without payroll. Stock bought ahead and fixtures are the main costs. Retail store loans covers inventory, fixtures and remodels. Payroll for retail trade employers in Hancock County, OH came to $137.6 million across 3,974 employees in 2023, about $34,600 per employee by our arithmetic (County Business Patterns 2023).
Clothing and accessories stores
22 clothing and accessories stores with payroll, 27.3% under five employees. Clothing dates, so partners look at how much of past orders sold at full price before funding a new buy. A line of credit or a smaller share of the order's cost can fit. The retail page walks through a boutique buy. County Business Patterns puts 2023 payroll for clothing and clothing accessories stores in Hancock County, OH at $4.9 million for 240 workers, roughly $20,300 a worker by our arithmetic.
Grocery stores
20 grocery stores with payroll and 390 employees; half had fewer than five employees. Perishable stock, refrigerated cases and checkout systems are the large costs. Coolers are equipment financing; stock is a short inventory or line-of-credit question. See retail store loans for both. Those grocery stores paid $10.4 million in wages to 390 employees during 2023 (County Business Patterns), close to $26,600 per person by our arithmetic.
Car dealers
19 automobile dealers with payroll and 548 employees in 2023. Vehicle stock can be floor-planned through specialist lenders, which Lakerun does not arrange; other needs are service-bay equipment, a lot remodel or working capital. Equipment financing covers the service side. Divide the $36.5 million 2023 payroll of automobile dealers in Hancock County, OH by their 548 employees and the result is about $66,600 each (our arithmetic on County Business Patterns 2023).
General merchandise and furniture stores
19 general merchandise stores and 12 furniture and home furnishings stores with payroll. Bulky floor stock and delivery vehicles are the costs that set them apart from smaller shops. Stock fits inventory financing; delivery trucks are equipment requests. In 2023, 87 people worked for furniture and home furnishings stores in Hancock County, OH and drew $3.8 million in payroll between them, near $43,900 apiece by our arithmetic (County Business Patterns).
Building material and garden supply dealers
18 dealers with payroll and 435 employees. Heavy stock, contractor accounts on terms and forklifts or delivery trucks are the funding needs. A line of credit can carry contractor receivables; equipment financing covers yard machines. See the line of credit page. Payroll for building material and garden equipment and supplies dealers in Hancock County, OH came to $15.0 million across 435 employees in 2023, about $34,600 per employee by our arithmetic (County Business Patterns 2023).
Fryers, Espresso Bars and Taprooms in Hancock County, OH
Restaurant loans in Findlay, OH: kitchen equipment financing, working capital for food and wages, renovations, and Hancock County, OH restaurant counts.
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Restaurants
50 full-service and 80 limited-service restaurants with payroll, 130 by our sum, employing 3,321 by our sum. Kitchen lines, remodels and food and wage gaps drive requests. Restaurant loans covers kitchens, remodels and buying a restaurant. County Business Patterns puts 2023 payroll for full-service restaurants in Hancock County, OH at $31.7 million for 1,501 workers, roughly $21,100 a worker by our arithmetic. Establishments with fewer than five employees made up 20.0% of full-service restaurants in Hancock County, OH, 10 of 50 (County Business Patterns 2023).
Espresso counters and snack bars
19 snack and nonalcoholic beverage bars with payroll, a group that includes coffee shops; 31.6% had fewer than five employees. Espresso machines, grinders and refrigeration are equipment; a short card-sales gap is a working capital or advance question. See equipment financing. Those snack and nonalcoholic beverage bars paid $5.5 million in wages to 296 employees during 2023 (County Business Patterns), close to $18,500 per person by our arithmetic.
Bars and taverns
9 bars with payroll in 2023 (NAICS 7224). Beer, wine and spirits stock, coolers and tap systems, and buying an existing bar are the needs. Stock and coolers can be financed; a purchase is a term loan question. Business term loans covers purchases. Divide the $1.6 million 2023 payroll of bars in Hancock County, OH by their 78 employees and the result is about $21,000 each (our arithmetic on County Business Patterns 2023).
Auto shop business loans in Findlay, OH: lift and scan tool financing, parts and tire stock, technician wages, and Hancock County, OH auto repair counts.
Gas station business loans in Findlay, OH: buying a station, fuel and store stock, dispensers and coolers, and Hancock County, OH station counts.
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Auto repair and maintenance
42 auto repair employer establishments, 52.4% under five employees, and 31 with a ZIP 45840 address. Nonemployer Statistics 2024 counted 62 without payroll. Lifts, scan tools, parts and fleet receivables drive requests. Auto shop business loans has the details. In 2023, 214 people worked for auto repair and maintenance employers in Hancock County, OH and drew $9.2 million in payroll between them, near $43,100 apiece by our arithmetic (County Business Patterns).
Fuel stations and corner stores
25 gasoline stations and 11 convenience stores with payroll, 36 by our sum; 72.7% of the convenience stores had fewer than five employees. Store stock, coolers, dispensers and buying a station are the needs. Gas station business loans covers them. Payroll for gasoline stations in Hancock County, OH came to $8.0 million across 257 employees in 2023, about $31,100 per employee by our arithmetic (County Business Patterns 2023).
Exam Rooms and Treatment Tables in Hancock County, OH
Chiropractic and physical therapy practice loans in Findlay, OH: tables and rehab equipment, claim-lag working capital, buying a clinic, and county counts.
Physician practice loans in Findlay, OH: medical equipment financing, claim-lag working capital, partner buy-ins and Hancock County, OH practice counts.
Dental practice financing in Findlay, OH: dental equipment loans, operatory build-outs, practice purchases, claim-lag funding and county counts.
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Spine, rehab and vision practices
35 practices in NAICS 6213, 57.1% under five employees; Nonemployer Statistics 2024 counted 88 without payroll. Tables, rehab and imaging equipment, plus the wait on claims, drive requests. Chiropractic and therapy practice loans explains both. ZIP Code Business Patterns 2023 places 30 of the offices of other health practitioners at a ZIP 45840 address, a postal area that does not match the Findlay, OH city limits.
Physician practices
34 physician practices with payroll and 963 employees; 55.9% had fewer than five employees. Diagnostic equipment, the claim gap, buy-ins and new sites drive requests. Physician practice loans covers equipment and buy-ins. Those offices of physicians paid $86.9 million in wages to 963 employees during 2023 (County Business Patterns), close to $90,200 per person by our arithmetic. 21 offices of physicians listed a ZIP 45840 physical address in 2023 (ZIP Code Business Patterns); ZIP lines and city lines differ.
Dental practices
26 dental practices with payroll and 281 employees, and 24 with a ZIP 45840 address. Operatory equipment, imaging, build-outs and practice purchases are the main needs. Dental practice financing covers equipment and purchases. Divide the $15.7 million 2023 payroll of offices of dentists in Hancock County, OH by their 281 employees and the result is about $55,900 each (our arithmetic on County Business Patterns 2023).
Home health and veterinary practices
8 home health employers and 7 veterinary practices with payroll in 2023. Home health carries a heavy wage bill paid ahead of reimbursement; veterinary practices finance surgical, imaging and lab equipment. Wages fit working capital; equipment fits equipment financing. Nonemployer Statistics, a separate program, counted 48 home health care services businesses without paid employees in Hancock County, OH in 2024; that count is kept apart from the employer figure.
Insurance agency loans in Findlay, OH: book of business loans, agency purchase and acquisition financing, producer wages, and Hancock County, OH counts.
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Insurance agencies
37 agencies with payroll (NAICS 524210), 64.9% under five employees; Nonemployer Statistics 2024 counted 72 without payroll. Book purchases, agency acquisitions and producer build-up drive requests. Insurance agency loans covers them. Payroll for insurance agencies in Hancock County, OH came to $8.1 million across 135 employees in 2023, about $60,300 per employee by our arithmetic (County Business Patterns 2023). 34 insurance agencies listed a ZIP 45840 physical address in 2023 (ZIP Code Business Patterns); ZIP lines and city lines differ.
Law and accounting practices
20 legal services employers, 70.0% under five employees, and 18 accounting, tax and bookkeeping employers, 55.6% under five. Fee income arrives unevenly, after the work; practice purchases are the larger requests. A line of credit fits the fee gap. See business lines of credit. County Business Patterns puts 2023 payroll for accounting, tax preparation, bookkeeping and payroll services in Hancock County, OH at $8.9 million for 127 workers, roughly $70,000 a worker by our arithmetic.
Architects and engineers
27 architectural and engineering employers with payroll, 59.3% under five employees. Projects may be billed in phases, weeks after the work, and software and plotters are recurring costs. Working capital or a line bridges phase billing. See working capital loans. Those architectural, engineering and related services paid $17.3 million in wages to 221 employees during 2023 (County Business Patterns), close to $78,300 per person by our arithmetic.
Realty agent practices
15 real estate agent offices with payroll in 2023 (NAICS 5312), 80.0% under five employees; Nonemployer Statistics 2024 counted 114 without payroll. Commission income arrives at closing, and office costs come first. Lakerun does not arrange property loans; a line of credit for office costs is the fit. See the credit line page. 12 real estate agent offices listed a ZIP 45840 physical address in 2023 (ZIP Code Business Patterns); ZIP lines and city lines differ.
Landscaping business loans in Findlay, OH: mower, trailer and truck financing, lawn care equipment, crew wages, and Hancock County, OH landscaping counts.
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Landscaping services
29 landscaping employers, 72.4% under five employees; Nonemployer Statistics 2024 counted 89 without payroll. Mowers, trailers, trucks and crew wages while contracts pay drive requests. Landscaping business loans covers them. In 2023, 141 people worked for landscaping services in Hancock County, OH and drew $6.0 million in payroll between them, near $42,500 apiece by our arithmetic (County Business Patterns). By ZIP, 19 landscaping services sat in 45840 in 2023 (ZIP Code Business Patterns), a postal area rather than a city boundary.
Janitorial and carpet cleaning services
20 janitorial employers with 270 employees and 4 carpet and upholstery cleaners with payroll; Nonemployer Statistics 2024 counted 149 janitorial businesses without payroll. Wages run ahead of contract billing; floor machines and vans are equipment. See working capital for the wage gap. Payroll for janitorial services in Hancock County, OH came to $6.1 million across 270 employees in 2023, about $22,500 per employee by our arithmetic (County Business Patterns 2023).
Salons and Studios Near Findlay, OH
Chairs, stations and a booking calendar.
Beauty and nail salons
24 beauty salons with payroll, 54.2% under five employees, and 4 nail salons; Nonemployer Statistics 2024 counted 145 beauty salons and 44 nail salons without payroll. Chairs, stations, a remodel or a second suite drive requests. Equipment financing covers chairs and stations. County Business Patterns puts 2023 payroll for beauty salons in Hancock County, OH at $4.0 million for 129 workers, roughly $30,800 a worker by our arithmetic.
Fitness centers
7 fitness and recreational sports centers with payroll, 71.4% under five employees. Equipment is the large cost and can be financed or leased; a remodel or a move is a term loan question. See business term loans for build-outs. Those fitness and recreational sports centers paid $1.5 million in wages to 167 employees during 2023 (County Business Patterns), close to $9,000 per person by our arithmetic.
Plants, Lodging and Other Hancock County, OH Employers
Larger machines, longer receivables.
Hotels and motels
19 traveler accommodation employers with 361 employees; 21.1% had fewer than five. Room refreshes, HVAC replacements and property improvement plans are the larger costs. Lakerun does not arrange property loans; renovation and equipment requests can be framed as term loans. Divide the $9.6 million 2023 payroll of traveler accommodation employers in Hancock County, OH by their 361 employees and the result is about $26,700 each (our arithmetic on County Business Patterns 2023).
CNC shops and metal fabricators
12 fabricated metal manufacturers with 661 employees, inside a manufacturing sector with $618.0 million in county payroll. CNC machines, press brakes and long customer payment terms drive requests. Machines are equipment financing; receivables are a line-of-credit question. In 2023, 661 people worked for fabricated metal product manufacturing employers in Hancock County, OH and drew $50.8 million in payroll between them, near $76,800 apiece by our arithmetic (County Business Patterns).
Food manufacturers, printers and machinery repair
11 food manufacturers, 6 printers and 8 commercial machinery repair firms with payroll. Ingredients and packaging bought ahead, presses and finishing equipment, and service trucks are the costs. Equipment financing covers the machines; inventory financing covers ingredients and parts. County Business Patterns 2023 counts 5 commercial and industrial machinery and equipment repair and maintenance employers in Hancock County, OH with under five employees, 62.5% of the 8.
Warehousing and staffing firms
21 warehousing and storage employers and 22 employment services employers with payroll in 2023. Forklifts and racking are equipment; staffing firms pay workers weekly and bill clients later, a classic wage gap. Working capital fits the staffing side. County Business Patterns puts 2023 payroll for warehousing and storage employers in Hancock County, OH at $111.6 million for 2,697 workers, roughly $41,400 a worker by our arithmetic.
Child care centers
10 child day care employers with 181 employees; Nonemployer Statistics 2024 counted 79 child care businesses without payroll. Wages are the main cost, paid ahead of tuition or subsidy payments; play equipment and remodels are one-time costs. See business lines of credit. Those child day care services paid $4.3 million in wages to 181 employees during 2023 (County Business Patterns), close to $23,800 per person by our arithmetic.
In short
Lakerun Commercial Capital, a small-business funding service in Findlay, Ohio, groups funding notes by industry: trades, stores, kitchens, repair bays, clinics, agencies and more. Each note gives Hancock County, OH Census counts and the funding shape that fits the trade's bills. Ten industries have full pages; the rest are short notes with a link to the fitting product.
Funding partners and the range of Hancock County, OH industries
Funding partners consider businesses across most industries, and the industry decides less than the records do. What changes from one trade to the next is the timing of bills and receipts, and the kind of collateral on hand. The notes below cover more than thirty kinds of Hancock County, OH businesses, using County Business Patterns 2023 counts unless a different program is named. Lakerun does not arrange trucking, agriculture, startup or SBA loans.
Restaurants and Auto Repair Shops in Hancock County, OH
Two trades with daily customers and expensive equipment: kitchens and repair bays. Hancock County, OH had 130 restaurant employer establishments (our sum of 50 full-service and 80 limited-service) and 42 auto repair shops in 2023. Both carry card sales, both finance big machines, and both can feel a wage gap when a large account pays late. Restaurant loans has the kitchen side.
Auto Repair Shops and Insurance Agencies in Hancock County, OH
Different trades, same county: 42 auto repair employers and 37 insurance agencies with payroll in 2023 (NAICS 8111 and 524210). Repair shops fund lifts and parts; agencies fund book purchases and producers. Both have more than half their employers under five people: 52.4% of shops and 64.9% of agencies. Insurance agency loans covers the agency side. Those auto repair and maintenance employers paid $9.2 million in wages to 214 employees during 2023 (County Business Patterns), close to $43,100 per person by our arithmetic.
Insurance Agencies and Gas Stations and Convenience Stores in Hancock County, OH
Insurance agencies earn commissions on carrier schedules; stations and convenience stores earn by the gallon and the item. The county had 37 agencies, 25 gasoline stations and 11 convenience stores with payroll in 2023. Station funding leans on equipment and stock; agency funding leans on purchases. Gas station and c-store funding explains the station side. Divide the $8.1 million 2023 payroll of insurance agencies in Hancock County, OH by their 135 employees and the result is about $60,300 each (our arithmetic on County Business Patterns 2023).
Gas Stations and Convenience Stores and Chiropractic, Therapy and Optometry Practices in Hancock County, OH
A fuel counter and a therapy clinic share one funding trait: a large up-front equipment cost. Hancock County, OH had 36 station and convenience store employers (our sum) and 35 offices of chiropractors, therapists, optometrists and similar practitioners (NAICS 6213) in 2023. Clinics also wait on insurance claims. Chiropractic and therapy practice loans covers the clinic side. Establishments with fewer than five employees made up 57.1% of offices of other health practitioners in Hancock County, OH, 20 of 35 (County Business Patterns 2023).
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