Crestford Lending, a small-business funding broker in Waterloo, Iowa, works with construction firms, restaurants, medical and dental practices and retailers across Black Hawk County. This page sets each sector's Census counts beside the funding routes that suit its cash cycle. Partners make every credit decision and set the price.
Partner sectors by the numbers in Black Hawk County, Iowa
| Sector (NAICS) | Establishments | Employees | Under 5 employees |
|---|---|---|---|
| Retail trade (44-45) | 463 | 9,299 | 32.6% |
| Food services and drinking places (722) | 278 | 5,549 | 23.0% |
| Construction (23) | 254 | 2,342 | 55.5% |
| Ambulatory health care (621) | 225 | 3,042 | 39.6% |
| Wholesale trade (42) | 156 | 2,800 | 35.3% |
Source: U.S. Census Bureau, County Business Patterns 2023. Construction firms are the smallest on average: more than half had fewer than five employees.
Contractors and specialty trades
Contractors pay for labor and materials weeks before the general contractor or owner pays them, and they depend on machines that are expensive to replace. Working capital, a revolving line and equipment financing are the usual combination. Contractor financing in Waterloo, Iowa covers the 254 construction employers and 716 no-payroll construction businesses in the county.
Restaurants and food service
Restaurants take in cash daily but carry heavy fixed costs: payroll, rent, food and the kitchen itself. Remodels, equipment replacements and gaps after a slow stretch drive most requests. Restaurant financing in Waterloo, Iowa looks at the 214 restaurants and other eating places counted in the county in 2023.
Medical and dental practices
Black Hawk County had 225 ambulatory health care employer establishments in 2023, including 63 physicians' offices and 36 dentists' offices, with 3,042 employees in total (CBP 2023). Practices typically finance equipment against itself and use working capital or a line to bridge the wait for insurance payments. Lending partners we work with do fund practices; equipment such as chairs, imaging and sterilisation units goes through equipment financing.
Retail and wholesale
Retail trade had more employer establishments than any other sector in the county, 463, and wholesale trade added 156 (CBP 2023). Both carry cash in stock. Inventory financing explains how goods can secure funding, and how it compares with a line of credit.
Sectors we do not handle
Our lending partners do not take agriculture or trucking requests through Crestford Lending, and we do not arrange consumer loans. Manufacturing carries the largest payroll in Black Hawk County, about $952.1 million in 2023 (CBP), but it is not one of the sectors we focus on.
Local context for every sector
ZIP-level sector counts for the office area and the county's size profile are on the Black Hawk County picture.
By Crestford Lending · Updated
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