Chiropractors, therapists and optometrists
123 offices of other health practitioners, 62.6% under five employees. Tables, rehab and exam equipment up front, insurance claims paid weeks later. Read more: practitioner funding.
Business Funding by Industry in Iowa City, IA
Every industry has its own cash cycle. This page groups 40 business types found in Johnson County, IA, with a short note on what each usually needs funding for and where to read more.
Clinics and practices around Iowa City, IA
Physician, dental, chiropractic, therapy, optometry, veterinary and home health providers.
Chiropractic, Therapy & Optometry
Chiropractic, physical therapy and optometry practice loans in Iowa City, IA: equipment, opening or buying a practice, and the wait on claims.
Physician Practices
Medical practice loans in Iowa City, IA: working capital while claims pay, equipment, opening a private practice, and what partners review.
Dental Practices
Dental practice loans in Iowa City, IA: buying a practice, opening one, chairs and imaging equipment, and what partners look at for dental offices.
Physician practices
68 physician offices with about $57.6 million in annual payroll. Claims pay in arrears while payroll does not wait. Read more: physician practice funding.
Dental offices
54 dental offices; only a third had fewer than five employees. Funding can mean a practice purchase or an operatory upgrade. Read more: dental practice funding.
Veterinary clinics
13 veterinary employers. Exam, surgical and imaging equipment, bought for a new or expanded clinic. Read more: veterinary equipment financing.
Home health agencies
11 home health employers, and, in a separate program, 84 without payroll in 2024. Payroll for caregivers runs ahead of claims and program payments. Working capital covers the lag.
Residential care and support services
53 residential care employers for people with disabilities and 50 individual and family services employers. Payroll plus payments from programs on their own schedules; a credit line for payroll timing is one tool.
Kitchens, cafes and taprooms across Johnson County, IA
Businesses with kitchens, coolers and payroll.
Restaurants
Restaurant business loans in Iowa City, IA: kitchen equipment, renovations, payroll and food costs, plus what partners review before deciding.
Coffee Shops & Cafes
Coffee shop business loans in Iowa City, IA: espresso machine and equipment financing, build-outs, payroll, and what partners look at for cafes.
Restaurants
161 full-service and 120 limited-service restaurants. Food bills every few days, payroll weekly, card settlements daily, and kitchen equipment on its own schedule. Read more: restaurant funding.
Coffee shops and cafes
50 snack and nonalcoholic beverage bars with 718 paid employees. The espresso machine is a major purchase; steady card deposits are one thing to show a partner. Read more: cafe funding.
Bars and taprooms
36 bars and drinking places with 586 paid employees. Card sales, stock bought by the case, and equipment such as coolers and draft systems. Coolers and draft lines fit equipment loans and leases.
Food trucks and mobile kitchens
No separate county count is in our data. The truck and its kitchen are equipment, and a partner will want a quote and the build specifications. Start with financing the truck and kitchen.
Builders and specialty crews across Johnson County, IA
Builders, specialty trades and grounds crews who are paid after the work.
Construction & Trades
Contractor business loans in Iowa City, IA: covering materials and crews between draws, retainage, equipment, and what partners review for builders.
Landscaping & Lawn Care
Landscaping and lawn care business loans in Iowa City, IA: mowers and trucks, crew payroll, buying a route, and what partners look at first.
Contractors and builders
379 construction employers in 2023, 68.1% of them under five employees. Materials and crews are paid before progress draws, and retainage holds back part of each payment. Read more: contractor funding.
Landscaping and lawn care
59 landscaping employers, and, in a separate program, 163 without payroll in 2024. Mowers, trailers and trucks on one side, crew payroll before commercial invoices clear on the other. Read more: landscaping company funding.
Plumbers and HVAC contractors
42 employers, 54.8% under five employees. Service vans, parts stock and equipment for installs; a line of credit carries materials between invoices. Equipment financing covers vans and tools.
Electrical contractors
38 employers, 44.7% under five employees. Wire and fixtures bought for each job, bucket trucks and lifts on longer terms. A line of credit fits the job-to-job materials cycle.
Residential builders
93 residential building employers, 81.7% under five employees, and, in a separate program, 287 without payroll in 2024. Builder cash follows draws and closings; equipment and trucks fit equipment financing.
Finishing trades: drywall, painting, flooring
64 building finishing employers, 89.1% under five employees. Small crews, materials bought per job and pay applications that lag the work. Short gaps suit working capital.
Roofing and commercial builders
15 roofing and 18 nonresidential building employers. Larger jobs mean larger materials bills and longer waits on draws; a business line of credit is one tool.
Shops, grocers and fuel stops across Johnson County, IA
Stock bought before it sells, from boutiques to grocery stores.
Retail Stores
Retail business loans in Iowa City, IA: inventory financing for stock, lines of credit for uneven sales, fixtures, and cash-flow steps for shops.
Gas Stations & C-Stores
Gas station and convenience store loans in Iowa City, IA: stocking a store, buying a station, equipment, and the requirements partners review.
Retail stores
479 retail employers, from 76 clothing stores to 27 grocery stores. Stock is bought before it sells. Read more: retail funding.
Fuel stations and c-stores
48 gasoline stations, nearly all with five or more employees. Fuel loads, store stock and card fees are the recurring costs. Read more: fuel and c-store funding.
Grocery stores
27 grocery employers in the county. Stock that turns over, plus refrigeration that has to keep running. Coolers fit equipment financing; reorders fit a revolving credit line.
Clothing stores and boutiques
76 clothing and accessories employers, 26.3% under five employees. A season's order may be placed months ahead. Inventory financing is built for that order.
Lumber, hardware and garden supply dealers
38 employers with 688 paid employees. Stock for contractors and homeowners, plus forklifts and racking. Stock financing covers the build-up.
Furniture and home goods stores
23 employers, 56.5% under five employees. Large items and floor samples. Turnover arithmetic matters before any inventory loan.
Jewelers and specialty retailers
No separate jeweler count is in our data. High value per item makes inventory financing possible but closely reviewed; partners ask about insurance and security. Start with financing stock for resale.
Repair shops and dealers in Johnson County, IA
Lifts, parts and vehicles.
Auto repair shops
67 auto repair and maintenance employers. Lifts and diagnostic tools, parts on the shelf, and fleet invoices paid on terms. Read more: repair shop funding.
Automobile dealers
23 dealer employers with 664 paid employees. Vehicle floor-plan financing is specialized; service departments and facility work fit standard structures. Read more: term loans for facilities.
Salons, barbers and gyms around Iowa City, IA
Chairs, stations and fitness equipment.
Salons and barber shops
47 beauty salon employers and, in a separate program, 270 beauty salons without payroll in 2024. Chairs, bowls and build-outs, plus booth-rent or commission pay. Read more: salon funding.
Gyms and fitness studios
21 fitness and recreational sports employers, and, in a separate program, 72 without payroll in 2024 (NAICS 2022 code 7139). Business loans for gyms can mean equipment: racks, cardio machines, flooring. Read more: gym equipment financing.
Agencies, firms and offices in Johnson County, IA
Payroll and receivables more than equipment.
Insurance Agencies
Insurance agency loans in Iowa City, IA: acquisition financing for a book of business, producer hiring, office costs and what partners review.
Law Firms
Law firm financing in Iowa City, IA: lines of credit for billing gaps and case costs, partner buy-ins, office costs and what funding partners review.
Insurance agencies
59 insurance agencies and related employers, 71.2% under five employees. Buying a book of business and hiring producers are two purposes. Read more: agency funding.
Law firms
The county counted 51 legal employers in 2023 and, in a separate program, 96 legal businesses without payroll in 2024. Unpaid invoices, retainers and contingency case costs each create a different gap. Read more: law firm funding.
Accountants, tax preparers and bookkeepers
42 employers, 57.1% under five employees, and, in a separate program, 106 without payroll in 2024. Work piles up ahead of filing deadlines while fees arrive later. A line of credit suits the timing.
Architecture and engineering firms
43 employers with about $35.2 million in annual payroll. Project-based billing and slow-paying public or commercial clients can create receivables gaps. Read more: working capital for receivables gaps.
Consulting firms
70 management, scientific and technical consulting employers, 82.9% under five employees, and, in a separate program, 537 without payroll in 2024. Mostly payroll and receivables; a revolving line fits.
Property managers and real estate offices
65 lessors of real estate, 46 property management and related employers, and 52 real estate agent offices. Property purchase lending is outside this site's structures; office and systems needs fit operating funding.
Hotels and lodging across Johnson County, IA
Room refreshes, renovations and furniture.
Hotels and motels
41 traveler accommodation employers with 1,390 paid employees. Renovations of rooms and common areas are term-loan projects; furniture and fixtures can be financed separately. Read more: term loans for renovations.
Care, cleaning and making things in Johnson County, IA
Child care, support services, janitorial firms and small manufacturers.
Daycare and child care centers
69 child day care employers with 1,177 paid employees. Payroll leads every budget, and subsidy payments arrive on their own schedule. Read more: child care funding.
Cleaning and janitorial companies
32 janitorial employers and, in a separate program, 290 without payroll in 2024. Business loans for a cleaning business can be working capital for payroll before contract invoices are paid. Read more: payroll-gap funding.
Small manufacturers and print shops
14 food manufacturing, 12 printing and 5 fabricated metal employers. Machines, materials and receivables from business customers. Read more: machine financing.
Warehousing and equipment repair
7 warehousing and storage employers and 10 commercial and industrial equipment repair employers. Forklifts, racking and diagnostic tools fit equipment loans.
In short
Larkpine Lending Group, an Iowa City, IA small-business funding service, groups 40 local business types on this page, with Johnson County employer counts from Census County Business Patterns 2023. Fourteen have their own pages; each other note points to the funding structure that usually fits, such as working capital or equipment financing.
Partners consider businesses across most industries around Iowa City, IA
Funding partners consider requests from businesses in most local industries. What shapes the answer is less the industry name than the purpose of the money and the cash flow behind it. The fourteen pages below go deepest; the shorter notes after them cover other Johnson County, IA business types and point to the structure that usually fits.
Counts on this page are Johnson County, IA employer establishments from County Business Patterns 2023 unless another program is named. Owners searching for business loans for a gym, a hotel, a cleaning business, a food truck, a jeweler or a manufacturing business will find a note for each below.
By Larkpine Lending Group · Updated