How money moves through each kind of business decides which funding structure fits.
Materials and crews can go out before draws come in.
1,750 construction employer establishments in Brevard County, FL in 2023. Materials, weekly wages and machines all come before the client's draw. Lines of credit and equipment financing are the structures to compare. Funding for contractors and builders.
365 building finishing contractors with employees, 78.9% with fewer than five people. Finishers buy materials early and may wait on the final payment, so working capital for crews is one structure to compare. Painting and flooring contractor funding.
269 plumbing, heating and air-conditioning contractors employing 2,973 people. Service vans, parts stock and install jobs that invoice at completion. Plumbing and HVAC contractor funding.
349 landscaping employers and 1,394 landscapers without payroll. Commercial mowers, trailers and crews; commercial accounts that pay on terms. Landscaping company funding.
162 electrical contractor establishments in Brevard County, FL in 2023, employing 1,459 people. Wire, panels and fixtures are bought ahead of each job, the same pattern covered on the contractors and builders page.
83 roofing contractors with employees. Each roofing job brings materials and crew costs; a line of credit drawn per job and equipment financing for trucks and lifts are the structures to compare. See the line of credit page.
371 residential building contractors, 83.0% with fewer than five employees, and 82 nonresidential builders. Brevard County, FL permitted 4,624 new homes and apartments in 2025 (Building Permits Survey). Materials and subcontractor payments come between draws; working capital can cover a defined gap.
Card sales, supplier bills and kitchens that wear out.
1,068 restaurants and other eating places with employees, including 527 full-service and 412 limited-service restaurants. Kitchen equipment, refits and second locations. Restaurant funding.
122 snack and nonalcoholic beverage bars with employees. Espresso machines, grinders, ovens and display cases are examples of equipment a shop might finance, with the equipment as collateral. See equipment financing.
71 bars serving alcohol, with 951 employees. Stock and fixtures are among a bar's costs. A line of credit can cover stock; a term loan can cover a refit. See the term loan page.
32 food manufacturing employers. Ovens, mixers, packaging lines and refrigerated storage are examples of equipment a food manufacturer might finance, along with ingredients bought ahead of orders. See equipment financing.
Equipment, build-outs and the wait for insurer payments.
511 physician offices and 249 dental offices with employees. Imaging, chairs, build-outs and payroll while insurers pay. Medical and dental practice funding.
453 offices of other health practitioners, 68.9% with fewer than five employees. Tables, exam lanes and therapy equipment. Chiropractic, therapy and optometry funding.
67 veterinary practices with 872 employees. A clinic can finance surgical, imaging and lab equipment and fund a build-out, much like a human medical practice. See equipment financing.
64 home health care employers, with 2,266 employees. Payroll is a recurring cost, and payments from insurers and programs may arrive on their own schedules, so working capital is one structure to compare.
Goods bought before they sell.
2,049 retail employer establishments with 29,504 employees. Stock bought before it sells, plus fixtures and refits. Retail store funding.
213 gas stations and 78 convenience stores with employees. Fuel and store stock, dispensers and coolers. Gas station and convenience store funding.
The county counted 187 clothing and accessory stores. A boutique may buy a collection well before it sells, which makes inventory financing one structure to compare.
183 health and personal care stores with 2,184 employees. Inventory financing and lines of credit are both worth comparing for stock. See the line of credit page.
165 grocery stores with 5,734 employees. Refrigeration, shelving and steady restocking. Coolers and freezers fit equipment financing; stock fits a line or inventory financing.
124 building material and garden equipment dealers. Stock and delivery vehicles. See inventory financing.
84 furniture and home furnishings stores. Showroom stock ties up cash until it sells, so the term of any stock funding matters. See the inventory financing page.
137 electronic shopping and mail-order employers. Inventory and advertising can be paid upfront, and a marketplace may settle on its own schedule. See inventory financing.
Lifts, tools and parts on the shelf.
307 auto repair and maintenance shops with employees. Lifts, scan tools, parts stock and technician payroll. Auto repair shop funding.
90 automobile dealers with 2,673 employees. A dealer's service department can finance lifts and tools. See equipment financing.
41 commercial and industrial machinery repair shops. Service trucks, welders and diagnostic equipment are examples of what such a shop might finance. See equipment financing.
Chairs, stations and card-based revenue.
220 beauty salons, 26 nail salons and 18 barbershops with employees. Chairs, stations and refits. Salon and barbershop funding.
66 fitness and recreational sports centers with employees. Equipment is one purchase to plan for; working capital can cover the months before a new location fills.
Payroll first, invoices later.
477 consulting firms, 368 architecture and engineering firms and 247 accounting firms with employees. Payroll between milestone invoices. Professional services firm funding.
344 legal services employers, 77.0% with fewer than five employees. Overhead carried until fees arrive. Law firm funding.
292 insurance agencies and related insurance offices with employees. Commission income can arrive unevenly, and a book of business can be bought as a growth step. A line of credit can cover the first; see the line of credit page.
444 offices of real estate agents, 249 lessors of real estate and 219 property management and related firms. Office build-outs, technology and staffing are costs a term loan can cover; Coralpoint does not arrange property purchase loans.
Rooms, furnishings and refits.
104 hotels and motels with 2,463 employees. Furniture, fixtures and room refits can be periodic large costs; a term loan or equipment financing may fit.
Crews, machines and payroll-heavy services.
177 janitorial employers and 2,560 janitorial businesses without payroll. Payroll that can run ahead of contract invoices. Cleaning and janitorial company funding.
95 child day care employers with 1,271 employees. Payroll is a recurring cost, and tuition and program payments may arrive on their own schedules. See working capital.
82 fabricated metal product manufacturers, including machine shops, and 38 printing businesses. CNC machines, presses and material stock; the county also counted 12 warehousing employers. See equipment financing.
Coralpoint Commercial Capital, a small-business funding service in Titusville, FL, explains funding by industry for Brevard County, FL businesses. Fourteen industries have their own page; more than thirty business types get a short note below. Partners consider businesses across most industries and review each request on its own merits.
Two businesses can ask for the same amount and need different structures. A contractor waiting on a draw may look at a revolving line; a dentist adding an operatory may need equipment financing and a term loan; a shop restocking for a large order may look at inventory financing. The notes below describe each industry's funding needs and link the page that covers them.
| Sector | Employer establishments (CBP 2023) | Businesses without payroll (NES 2024) |
|---|---|---|
| Professional, scientific and technical services | 2,061 | 8,093 |
| Retail trade | 2,049 | 4,313 |
| Health care and social assistance | 1,869 | 4,994 |
| Construction | 1,750 | 5,129 |
| Other services (repair shops, personal care and similar) | 1,466 | 6,906 |
| Accommodation and food services | 1,316 | 1,242 |
Employer counts come from County Business Patterns 2023; counts of businesses without payroll come from Nonemployer Statistics 2024. They are separate programs and years, so the columns are never added together.
By Coralpoint Commercial Capital · Updated
