Business Funding by Industry in Logan, UT and Cache Valley, UT

Forty kinds of Cache Valley business, grouped by how their money moves, each with the county numbers and the funding type that usually fits.

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Builder in a hard hat with rolled plans beside new framing below snow-capped mountains

Cache County, UT trades, from builders to finishers

Builders and specialty trades carry crews and materials ahead of draws.

Contractors and builders

Construction led Cache County with 658 employer establishments in 2023 (CBP), and 69.6% had fewer than five employees. Builders carry materials and crews between draws, with retainage held to the end. Read contractor business loans for draws, retainage and the working capital arithmetic.

A typical request pairs a working capital loan for the first two draws of a new job with equipment financing for a machine the job needs. Partners read the draw schedule, the owner's payment record and how retainage has been released on past jobs.

Residential home builders

Residential building contractors numbered 173 employer establishments in 2023, 74.6% of them under five employees, plus 253 without payroll in 2024 (NES, a separate count). Spec and custom builders often pair a line of credit for draws with equipment financing for machines; the contractor page covers both.

Spec builders carry land, permits and materials until a sale closes, while custom builders wait on a homeowner's lender at each stage. Both should keep a job-by-job cost sheet; it shows a partner how money flows out and back on each house.

Painting, flooring and drywall contractors

111 building finishing employer establishments worked in Cache County in 2023 (CBP), and their payment arrives last on the job. Material deposits and punch lists are the pinch points. Read more under funding for finishing trades.

The typical crew is small, 70.3% under five employees, and works for several general contractors at once. A short list of which GCs pay on time, and how long each takes, is a document a finisher should bring.

Plumbing and HVAC contractors

64 plumbing, heating and air-conditioning employer establishments, with 440 employees, ran service vans and install crews in 2023 (CBP). Vans and parts stock drive their funding needs. Read plumbing and HVAC business loans for the details.

Shops split their income between new-build installs on draw schedules and service calls paid at completion, and partners read the two streams differently. Maintenance agreements add a steady base that is easy to see in deposits.

Electrical contractors

51 electrical contractor establishments employed 597 people in 2023 (CBP), roughly twelve per firm, so payroll between draws is the large number. Read more under electrician business loans.

Commercial work brings pay-when-paid clauses and longer retainage than residential trim-outs. A firm running both should list receivables by job type, so a partner can see which money arrives in weeks and which in months.

Other specialty trades

73 other specialty trade contractors, the Census group for trades such as site preparation and specialty installation, had employees in 2023, 78.1% of them small (CBP), and 265 more worked without payroll in 2024 (NES). Equipment and trailers are the common requests; the contractor page covers the cash cycle.

Excavation, concrete, fencing and similar crews depend on a few machines and a trailer or two. When one breaks down, the replacement decision is urgent, and having a dealer quote and the old unit's payoff in hand shortens the conversation.

Commercial and nonresidential builders

Only 24 nonresidential building contractors had employees in Cache County in 2023 (CBP), but their projects are larger and slower to pay, with longer retainage. Lines of credit and working capital are the usual tools; see the construction page.

Bonding, owner-held retainage and change orders make these jobs the slowest to close out. Partners will usually want the contract, the schedule of values and an aging report that separates billed work from retained amounts.

Roofing contractors

Roofers are a small group locally: 15 roofing firms with payroll in 2023 (CBP). Roofing jobs are short and material-heavy, with shingles and underlayment bought before the tear-off. Material and crew costs usually point to working capital; trucks and dump trailers to equipment financing.

Roofing jobs can follow storms or insurance claims, which means the homeowner's insurer pays on its own timeline. Keep claim numbers and adjuster contacts with each receivable; they help a partner see when money is likely to arrive.

Cache County, UT kitchens and food makers

Daily costs, fast card receipts and kitchens that need replacing.

Restaurants

Restaurants and food service

Cache County had 45 full-service and 104 limited-service restaurants with employees in 2023 (CBP), and fewer than one in four had under five staff. Food and labor are paid daily, card sales land within days, and kitchen equipment fails on its own schedule. Read more under restaurant business loans.

Kitchen replacements, remodels and slow weeks are the three usual reasons owners call. Card processing statements are the core document: they show daily sales, which is what any partner reviewing a restaurant reads first.

Clinics, practices and care providers in Cache County, UT

Insurance timing, clinical equipment and staffed teams.

Chiropractic, physical therapy and optometry practices

146 offices of other health practitioners had employees in 2023, 74.7% of them small, with 226 more practitioners working without payroll in 2024 (NES). Tables, imaging and insurance lag shape their funding. Read more under chiropractic and PT practice loans.

Most are small: about three-quarters of these offices were that small. A new location, a decompression or imaging system, or a frame wall for an optical shop are typical requests, each with a different funding fit.

Physician and medical practices

120 physician offices with employees paid about $81.8 million in wages in 2023 (CBP). Reimbursement timing, diagnostic equipment and buy-ins are the usual requests. Read more under medical practice loans.

Partners reviewing a practice look at accounts receivable by payer and how old those claims are. A buy-in or a satellite clinic is usually a term loan; carrying claims while a new provider ramps up is working capital.

Dental practices

80 dental offices had employees in 2023, and only 32.5% had fewer than five, so most are staffed teams (CBP). Acquisitions, chairs and imaging lead the requests. Read more under dental practice loans.

A practice purchase can be the largest request a dentist makes, reviewed on the seller's production and collections records. Equipment such as chairs, scanners and CBCT units is financed separately or folded into the same agreement.

Outpatient care centers

48 outpatient care centers with employees, from surgery centers to clinics, reported 623 employees in 2023 (CBP); only 37.5% were small. Their equipment and build-outs are expensive, which points to equipment financing and a term loan.

These centers often lease specialized space and fit it out to clinical standards, so build-out budgets are large. Partners commonly ask for the lease, the equipment list with quotes, and the center's collections record by payer.

Home health care providers

13 home health care employer establishments operated in the county in 2023, with 214 employees (CBP). Their cost is almost all wages and mileage, paid weekly against insurer and agency payments that come later, a pattern suited to working capital.

Mileage reimbursement and caregiver wages go out every week, while agency and insurer payments arrive weeks later. Keeping an aging report by payer and a payroll summary ready makes a working capital request straightforward to review.

Veterinary practices

13 veterinary practices had employees in 2023 (CBP). Clinics buy imaging, surgical and lab equipment much as human practices do, and some carry pharmacy and food inventory. A line of credit or equipment financing fits the needs described here.

Digital X-ray, ultrasound, dental and anesthesia machines are the usual purchases, and a second exam room is a common build-out. Clinics that sell food and pharmacy items also carry inventory that turns over steadily.

Child care centers

46 child day care employer establishments, with 471 employees, operated in Cache County in 2023, and 190 more providers worked without payroll in 2024 (NES). Tuition comes in weekly or monthly while staffing ratios set payroll; build-outs and playground equipment suit equipment financing or a term loan.

Adding a classroom means more space, more staff and more equipment at once, so expansion is priced carefully. Enrollment records and a tuition schedule show a partner how steady the income is, which matters more than any single month.

Auto shops, dealers and repair in Cache County, UT

Lifts, parts counters and cars waiting on the lot.

Auto Repair

Auto repair shops

87 repair and maintenance shops with employees, and 116 one-person shops, worked in the county (CBP 2023; NES 2024). Lifts, scan tools and parts stock are the core needs. Read more under auto repair business loans.

Fleet and warranty accounts pay on terms while technicians are paid weekly, so receivables matter as much as card sales. A new lift, a scan platform or a tire machine is a typical single purchase.

Car dealers

21 automobile dealers had employees in Cache County in 2023 (CBP). Dealer inventory is usually floor plan financing, a form of inventory financing where each vehicle is paid off when it sells.

Floor plan lines are audited unit by unit, and each vehicle is paid off when sold. Used-car dealers also carry reconditioning costs before a vehicle is ready for the lot, which is a separate working capital need.

Machinery and equipment repair

9 commercial and industrial machinery repair shops had employees in 2023 (CBP). They stock parts and carry receivables from business customers, and their service trucks and shop tools fit equipment financing; parts and receivables fit working capital.

Repair shops serving farms, plants and contractors often wait 30 days or more for business customers to pay. A service truck with a crane or a large shop tool is a typical equipment request.

Stores and online sellers in Cache County, UT

Stock bought before it sells, in the shop or on a marketplace.

Ecommerce

Ecommerce and online sellers

67 electronic shopping and mail-order employer establishments employed 1,191 people in 2023 (CBP). Inventory bought months before marketplace payouts is their main gap. Read more under ecommerce business loans.

Product is often paid for twice, a deposit at order and the balance before shipping, before the first sale. Marketplace payout reports and inventory by SKU are the records to have ready.

Direct sellers

70 'other direct selling' establishments had employees in 2023, 91.4% of them with fewer than five (CBP). Product bought ahead of parties, events and online orders fits inventory financing or a line of credit.

Most are very small, as the 91.4% figure shows. Keeping stock purchases and sales in a separate business account makes the pattern visible to a partner.

Building material and garden supply dealers

43 building material and garden supply dealers employed 847 people in 2023 (CBP), large operations by local standards with only 23.3% under five staff. Stock ahead of the building season and contractor accounts on terms point to inventory financing.

Contractor accounts often buy on terms, so dealers carry both shelf stock and receivables. Partners usually want an inventory report by category and an aging report for the contractor accounts.

Clothing and accessory stores

36 clothing and accessory stores had employees in 2023 (CBP). Apparel stock is bought a season ahead and marked down if it does not sell, so inventory financing sized below the full order is common.

Orders for the next season are placed months ahead, and unsold stock is marked down. A partner reviewing a clothing store looks at sell-through rates and how much stock is left at the end of each season.

Furniture and home furnishings stores

26 furniture and home furnishings stores had employees in 2023 (CBP). Large floor samples and special orders tie up cash; stock usually goes on inventory financing or a credit line.

Customer deposits on special orders help, but showroom stock and delivery vehicles still need funding. Partners often treat floor samples and special orders differently, so list them separately. A delivery truck is equipment, financed on its own terms; 11 of the 26 stores had fewer than five employees (CBP 2023).

Gas stations and convenience stores

21 gasoline stations had employees in 2023 (CBP). Fuel deliveries are paid quickly, card fees bite into margins, and pumps and tanks are large equipment purchases suited to equipment financing.

Fuel suppliers expect fast payment, and in-store stock adds a second inventory cycle. Tank, pump and canopy work is large equipment spending with soft costs for installation and inspections.

Grocery stores

20 grocery stores employed 1,154 people in 2023 (CBP); only 15.0% were small. Perishable stock turns fast, and coolers and freezers are the big equipment items, financed through equipment financing.

Margins are thin and stock turns over quickly, so supplier terms matter. A cooler or refrigeration replacement can be urgent; equipment financing spreads it over the unit's working life rather than draining the operating account.

Personal care and fitness businesses around Cache County, UT

Chairs, equipment and steady small receipts.

Beauty salons

50 beauty salons had employees in 2023 (CBP), but 410 salon businesses worked without payroll in 2024 (NES), many as booth renters. Chairs, sinks and build-outs suit equipment financing; slow weeks suit working capital.

Owners who rent booths to stylists have rent income as well as service income, and partners read both. A remodel, new chairs and shampoo stations, or a second location are the usual requests.

Gyms and fitness studios

11 fitness and recreational sports centers with employees reported 376 employees in 2023 (CBP). Equipment is the main purchase, and memberships bring monthly income; equipment financing and working capital are the usual tools.

Cardio and strength equipment is expensive and wears out on a predictable schedule, which suits leasing or equipment financing. Membership billing records show a partner how steady monthly income is.

Accountants, lawyers and consultants across Cache County, UT

Fees billed after the work, and books of clients bought and sold.

Accounting, tax and bookkeeping firms

83 accounting, tax and payroll firms with employees, 75.9% of them small, worked in the county in 2023 (CBP). Tax-season staffing and book purchases are the two needs covered in depth. Read more under accounting firm loans.

Staffing up before filing deadlines and buying a retiring accountant's book both depend on the firm's billing record. Fee history by month is the key record for either one. Bring the monthly totals for two years, not a single annual figure.

Law firms

73 legal services firms had employees in 2023, 55 of them in ZIP 84321 (CBP; ZBP). Fee receipts arrive in lumps against monthly costs. Read more under law firm loans.

Contingency case costs and lumpy fee receipts make the operating account swing from month to month. Partners look at the operating account; client money held in trust is not firm income. Bring operating-account statements and a collections report by month.

Consulting firms

156 management, scientific and technical consulting firms had employees in 2023, 90.4% with fewer than five (CBP), and 541 more worked solo (NES 2024). Project billing lags the hours, which suits a line of credit.

Most are solo or very small, billing by project phase or retainer. A line of credit drawn while a phase is in progress and repaid when it is invoiced and paid is one structure that fits.

Real estate agents and brokerages

121 real estate offices had employees in 2023, nearly all small (98.3%), and 237 agents' businesses had no payroll (CBP; NES 2024). Commissions arrive at closing while marketing and desk costs run monthly, a fit for a line of credit.

Commission income depends on closings, which makes month-to-month income uneven. Brokerages adding agents or office space may need working capital before the new agents' closings arrive.

Architecture and engineering firms

84 architectural and engineering firms employed 576 people in 2023 (CBP). Phase-based billing and software and plotter costs point to a line of credit for fees in progress and equipment financing for hardware.

Large projects can run for months between billing milestones. Partners reviewing these firms read the project list, billing schedule and aging report together. 58 of the 84, 69.0%, had fewer than five employees (CBP 2023).

Property managers and appraisers

75 establishments in activities related to real estate, mainly property management and appraisal, had employees in 2023 (CBP), and 482 worked without payroll (NES 2024). Maintenance costs advanced before owners reimburse suit a line of credit.

Property managers often pay contractors for repairs before owners reimburse them, and appraisers wait on lenders' payment cycles. A small line sized to those advances is a common fit.

Insurance agencies

74 insurance agencies and brokerages had employees in 2023 (CBP). Commissions arrive on carrier schedules, and buying another agent's book is a priced transaction suited to a term loan; day-to-day gaps suit a line of credit.

Agency books are bought and sold like accounting books, priced against recurring commissions. Carrier commission statements are the record partners read to judge how steady that income is.

Places to stay: Cache County, UT lodging

Rooms, furniture and renovations.

Hotels and motels

13 hotels and motels had employees in 2023, with 318 employees (CBP). Renovations, furniture and linens are the large purchases, financed through equipment financing or a term loan for a property refresh.

Room renovations happen on a cycle, and furniture, fixtures and linens wear out together. Partners look at occupancy history and the renovation budget, broken into equipment and construction costs.

Property services and makers in Cache County, UT

Grounds and cleaning crews, machine shops and food producers.

Landscaping and lawn care companies

64 landscaping employer establishments and 143 owner-operators worked in Cache County (CBP 2023; NES 2024). Mowers, trailers and trucks are their big-ticket assets. Read more under landscaping business loans.

Most are small, 78.1% under five employees, and the equipment that matters is mowers, trailers and trucks. Commercial maintenance contracts billed monthly make income easier for a partner to read. Bring the contract list with each property's monthly billing.

Commercial cleaning and janitorial companies

64 janitorial employer establishments and 290 cleaners without payroll operated locally (CBP 2023; NES 2024). Weekly payroll against net-30 contracts is their gap. Read more under cleaning business loans.

Each new account means weeks of wages before its first payment, so fast growth widens the gap. Contracts with billing terms and a payroll summary are the core documents partners review. Start dates for each new account show when the gap opens.

Machine shops and metal fabricators

49 fabricated metal product manufacturers, including machine shops, employed 837 people in 2023 (CBP). CNC machines, press brakes and welders are long-lived equipment suited to equipment financing; steel stock fits inventory financing.

Shops often run near capacity before buying another machine, and the new machine's quote, rigging and tooling costs together make up the request. Partners look at backlog and customer concentration.

Food manufacturers

30 food manufacturing establishments reported 5,193 employees in 2023 (CBP), an average of about 173 employees per establishment by our arithmetic. Smaller food producers in the same field need packaging lines, ovens and cold storage, which fit equipment financing.

Small producers selling to grocers and distributors wait on net terms while paying for ingredients and packaging up front. Equipment quotes and a customer list with payment terms are the documents to have ready.

In short

Ironport Capital Group, a small-business funding service in Logan, Utah, helps Cache County businesses across most industries look for funding. This page groups 40 of them, from builders and dental offices to online sellers and machine shops, with Census counts and the funding type that usually fits each one's cash cycle. Fourteen have a full page.

Using the industry pages for a Logan, UT or Cache Valley, UT business

Partners that review Ironport requests look at most kinds of Cache County business. What changes from trade to trade is how cash moves: who pays you, how late, what you buy before you are paid, and how long your equipment lasts. Fourteen industries have a full page; the sections below cover 26 more with a short note and the funding type that usually fits.

The figures are Census Bureau counts for Cache County: County Business Patterns 2023 for businesses with employees and Nonemployer Statistics 2024 for those without, which are separate programs and never added together. For the full county picture see the Logan, UT business page; for the products themselves see the six funding types compared.

Cache County, UT sectors ranked by employer establishments, CBP 2023
Sector	Employer establishments	Share with fewer than five on payroll
Construction	658	69.6%
Professional, scientific and technical services	563	77.8%
Health care and social assistance	540	55.6%
Retail trade	480	45.2%
NAICS 53: real estate, rental, leasing	287	88.2%
Other services	257	70.4%
Manufacturing	223	33.2%
NAICS 56: admin, support, waste services	216	73.1%
Accommodation and food services	216	30.1%

What can you use a business loan for, in any of these industries? Payroll, stock, equipment, a build-out or an acquisition. The four broad loan types, term loans, lines of credit, equipment financing and short-term working capital, cover most of it.

By Ironport Capital Group · Updated October 18, 2026

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