Funding notes for the kinds of business that make up Adams County, IL, from contractors and auto shops to salons, clinics and law firms. Twelve have a page of their own.
Construction business financing around Quincy, IL: working capital for contractors and roofers, materials funding and Adams County, IL construction counts.
Landscaping business loans in Quincy, IL: mower and trailer financing, buying a landscaping business, crew payroll and Adams County, IL landscaping counts.
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Contractors and builders
Construction counted 210 employer establishments in Adams County, IL in 2023, 66.2% of them with fewer than five employees, plus 434 construction businesses without paid employees in 2024 (NES 2024). Crews and materials are paid before progress payments arrive. The construction page covers draws, equipment and materials for builders and trades.
Our arithmetic from the 2023 payroll figure ($6.3 million for 79 employees) comes to about $79,900 per employee among nonresidential builders.
Residential and commercial builders
Residential building construction counted 52 establishments, 75.0% with fewer than five employees, and nonresidential building 12 (CBP 2023, NAICS 2361 and 2362). Lot, lumber and subcontractor costs come before a closing or a draw, so builders weigh a line of credit for materials against financing each machine separately.
Our arithmetic from the 2023 payroll figure ($9.0 million for 206 employees) comes to about $43,700 per employee among residential builders.
Plumbing, heating and air-conditioning contractors
31 plumbing and HVAC contractors had paid employees in 2023, with 268 employees between them (CBP 2023). Service vans, stocked parts and installation jobs billed after completion shape their funding. See the plumbing and HVAC page for working capital and equipment notes.
Our arithmetic from the 2023 payroll figure ($17.9 million for 268 employees) comes to about $66,700 per employee among plumbing, heating and air-conditioning contractors.
Electricians, finishers and specialty trades
Electrical contractors counted 22 establishments with 207 employees; building finishing contractors, which include painters and flooring installers, 24; and other specialty trades 24 (CBP 2023). Most are small: 79.2% of finishing contractors had fewer than five employees. Wire, tile and paint bought before the job is billed are the usual gap, which working capital can cover.
Our arithmetic from the 2023 payroll figure ($11.5 million for 207 employees) comes to about $55,600 per employee among electrical contractors.
Roofing contractors
Roofing counted 6 employer establishments and 35 employees in 2023 (CBP 2023), and 42 roofing businesses without paid employees in 2024 (NES 2024). Shingles and underlayment are bought and crews paid before an owner or insurer pays, a gap discussed on the construction page.
Our arithmetic from the 2023 payroll figure ($2.7 million for 35 employees) comes to about $76,100 per employee among roofing contractors.
Lawn, Grounds and Cleaning Crews in Adams County, IL
Weekly wages, monthly contracts.
Landscaping and lawn care
Landscaping services counted 30 employer establishments in 2023, 76.7% with fewer than five employees, and 118 landscaping businesses without paid employees in 2024 (CBP 2023; NES 2024). Mowers, trailers and trucks are the main purchases. See the landscaping page.
Our arithmetic from the 2023 payroll figure ($2.8 million for 78 employees) comes to about $35,600 per employee among landscaping services firms.
Business loans for cleaning services for Adams County, IL businesses
Janitorial services counted 18 employer establishments with 93 employees in 2023, and 141 janitorial businesses without paid employees in 2024 (CBP 2023; NES 2024). Carpet and upholstery cleaners added 3 employer establishments. Commercial cleaning contracts are billed monthly while wages go out weekly, a gap that working capital or a line of credit can carry; floor machines and vans fit equipment financing.
Gas station financing in Quincy, IL: convenience store funding, buying a station, fuel and store inventory, equipment, and Adams County, IL station counts.
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Stores and shops
Retail trade had the most employer establishments of any Adams County, IL sector in 2023: 255, with 4,692 employees (CBP 2023). Stock bought before it sells is the common thread. The retail page covers inventory, remodels and card-heavy months.
Our arithmetic from the 2023 payroll figure ($5.8 million for 287 employees) comes to about $20,400 per employee among clothing and accessories stores.
A small business loan for a boutique on a Quincy, IL shopping street
Clothing and accessories stores counted 29 employer establishments in 2023, with 287 employees, and furniture and home furnishings stores 19 (CBP 2023). A boutique buys a season's lines months ahead and sells them over weeks, so inventory financing or a line sized to the order is the usual fit; a fit-out of a new storefront fits a term loan.
Grocery, building supply and auto dealers
Grocery stores counted 12 establishments but 1,126 employees; building material and garden supply dealers 24 with 860 employees; automobile dealers 18 with 428 employees (CBP 2023). Each carries large stock relative to its size, which is where inventory funding comes in.
Our arithmetic from the 2023 payroll figure ($28.8 million for 860 employees) comes to about $33,500 per employee among building material and garden supply dealers.
Business loans for pharmacy business around Quincy, IL
Pharmacies are not broken out in the county figures used on this site, so no count is given here. A pharmacy's funding questions mirror other retailers': stock bought from wholesalers before insurers and customers pay, shelving and counter fit-outs, and dispensing equipment. Insurer payment timing can make a line of credit worth comparing with a term loan.
A recent inventory valuation and the wholesaler statements give a partner a clear view of a pharmacy's stock.
Gas stations and convenience stores
Gasoline stations counted 26 employer establishments with 230 employees in 2023 (CBP 2023). Fuel loads, store stock and equipment such as pumps and coolers drive their funding. See the gas station page.
Our arithmetic from the 2023 payroll figure ($7.1 million for 230 employees) comes to about $30,700 per employee among gasoline stations. In the 2023 county file, 4 of the 26 gasoline stations were under five employees.
Pub business loans in Quincy, IL: bar equipment financing, liquor license questions, stock and remodel funding, and Adams County, IL tavern counts.
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Restaurants
Adams County, IL counted 53 full-service and 38 limited-service restaurants with paid employees in 2023, 91 in all (our sum of NAICS 722511 and 722513; CBP 2023). Kitchen equipment, remodels and payroll are the main funding needs. See the restaurant page.
Our arithmetic from the 2023 payroll figure ($25.1 million for 1,201 employees) comes to about $20,900 per employee among full-service restaurants.
Bars and taverns
Drinking places counted 31 employer establishments in 2023, 71.0% with fewer than five employees (CBP 2023). Bar equipment, stock and liquor license transfers come up in their requests. See the bars and taverns page.
Our arithmetic from the 2023 payroll figure ($1.9 million for 152 employees) comes to about $12,200 per employee among bars and taverns. Separately, the 2024 Nonemployer Statistics count lists 17 bars and taverns with no employees; their receipts average about $67,100 (our arithmetic).
Coffee shops and snack bars
Snack and nonalcoholic beverage bars, the grouping for coffee shops and ice cream counters, counted 16 establishments with 269 employees in 2023 (CBP 2023). Espresso machines, freezers and counters fit equipment financing; a slow month after a fit-out is a working capital question.
Our arithmetic from the 2023 payroll figure ($3.3 million for 269 employees) comes to about $12,200 per employee among snack and coffee bars.
Business loans for hotel business around Quincy, IL
Hotels and motels counted 10 employer establishments with 135 employees in 2023 (CBP 2023). Room renovations, linens and furniture, and the gap between slow and busy months shape their requests. A renovation fits a term loan; laundry equipment and furniture fit equipment financing. Buying a hotel property is a commercial real estate loan, which Ivybank Finance does not arrange.
Law firm business loans in Quincy, IL: lines of credit for case costs and payroll, partner buy-ins, repayment planning and Adams County, IL counts.
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Accounting, tax and consulting firms
Accounting, tax preparation and bookkeeping firms counted 38 employer establishments in 2023; management and technical consulting firms 21; architecture and engineering firms 9 (CBP 2023). Fee income arrives after the work is done. See the accounting and professional firms page.
Our arithmetic from the 2023 payroll figure ($10.2 million for 218 employees) comes to about $46,800 per employee among accounting, tax and bookkeeping firms.
Insurance agencies
Insurance agencies (NAICS 524210) counted 47 employer establishments in 2023, 85.1% with fewer than five employees (CBP 2023). Agency purchases and the wait between commission statements drive funding. See the insurance agency page.
Our arithmetic from the 2023 payroll figure ($7.5 million for 139 employees) comes to about $53,900 per employee among insurance agencies. Separately, the 2024 Nonemployer Statistics count lists 76 insurance agencies with no employees; their receipts average about $60,200 (our arithmetic).
Law offices
Legal services counted 26 employer establishments in 2023, 84.6% with fewer than five employees (CBP 2023). Cases can run long before fees are collected. The law firm page sets out lines, buy-ins and office moves.
Our arithmetic from the 2023 payroll figure ($4.6 million for 83 employees) comes to about $56,000 per employee among law offices. Separately, the 2024 Nonemployer Statistics count lists 16 law offices with no employees; their receipts average about $64,900 (our arithmetic).
Real estate offices
Real estate agents' offices (NAICS 5312) counted 17 employer establishments in 2023, and Nonemployer Statistics counted 102 agents' businesses without paid employees in 2024 (CBP 2023; NES 2024). Commissions arrive at closing, so marketing and office costs are paid ahead; a line of credit can carry them.
Our arithmetic from the 2023 payroll figure ($1.4 million for 34 employees) comes to about $41,900 per employee among real estate agents' offices.
Chiropractic business loans serving Quincy, IL: therapy and optometry equipment financing, working capital while claims pay, and Adams County, IL counts.
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Chiropractic, therapy and optometry practices
Offices of other health practitioners, which include chiropractors, physical therapists and optometrists, counted 49 employer establishments in 2023 (CBP 2023). Treatment equipment and insurer payment timing shape their funding. See the chiropractic, therapy and optometry page.
Our arithmetic from the 2023 payroll figure ($11.5 million for 264 employees) comes to about $43,700 per employee among chiropractic, therapy and optometry offices. Separately, the 2024 Nonemployer Statistics count lists 80 chiropractic, therapy and optometry offices with no employees; their receipts average about $42,900 (our arithmetic).
Physicians, dentists and veterinarians
Offices of physicians counted 20 establishments with 1,549 employees; offices of dentists 19 with 187 employees; veterinary services 6 (CBP 2023). Imaging, chairs and exam equipment fit equipment financing, and claims paid weeks after treatment are a working capital question.
Our arithmetic from the 2023 payroll figure ($176.5 million for 1,549 employees) comes to about $114,000 per employee among physician offices.
Chairs, Stations and Studios Across Adams County, IL
Small shops with specific equipment.
Business loan for barber shop in Quincy, IL
Barber shops are not published separately in the county's employer counts, but Nonemployer Statistics counted 14 barber businesses without paid employees in Adams County, IL in 2024 (NES 2024). Chairs, clippers, a remodel or a second chair to rent out are the purchases that come up; equipment financing covers chairs and stations, and a small term loan can cover a shop remodel.
Business loans for salons for Adams County, IL businesses
Beauty salons counted 11 employer establishments with 45 employees in 2023, and 126 salon businesses without paid employees in 2024; nail salons added 3 employer establishments and 34 without employees (CBP 2023; NES 2024). Salon funding covers stations, dryers, product stock and remodels. Product stock can be financed as inventory; stations and chairs as equipment.
Our arithmetic from the 2023 payroll figure ($1.3 million for 45 employees) comes to about $27,800 per employee among beauty salons.
Fitness centers and child care
Fitness and recreational sports centers counted 9 employer establishments with 167 employees, and child day care services 7 with 113 employees, in 2023 (CBP 2023). Nonemployer Statistics counted 233 child day care businesses without paid employees in 2024 (NES 2024). Equipment and build-outs are the common purchases.
Our arithmetic from the 2023 payroll figure ($2.6 million for 167 employees) comes to about $15,500 per employee among fitness and recreational sports centers.
Machine Shops and Producers Near Quincy, IL
Machines and raw materials bought ahead.
Machine shops, food producers and printers
Fabricated metal product manufacturers, including machine shops, counted 22 employer establishments with 733 employees; food manufacturing 13 with 912 employees; printing 8 with 55 employees (CBP 2023). CNC machines, presses and packaging lines are financed against their own value; raw materials bought ahead fit inventory funding.
Our arithmetic from the 2023 payroll figure ($40.5 million for 733 employees) comes to about $55,300 per employee among metal fabricators and machine shops.
Repair and Farm Service Outfits in Adams County, IL
Service trucks and tools.
Equipment repair and farm support services
Commercial and industrial machinery repair counted 3 employer establishments in 2023 (CBP 2023). Support activities for agriculture counted 3 employer establishments, while Nonemployer Statistics counted 62 such businesses without paid employees in 2024 (NES 2024). Service trucks and diagnostic gear can be financed as equipment.
Our arithmetic from the 2023 payroll figure ($1.2 million for 25 employees) comes to about $49,300 per employee among commercial machinery repair shops.
Mechanic shop loans in Quincy, IL: lift and scanner financing, auto body and car wash requests, parts and payroll, and Adams County, IL auto repair counts.
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In short
Ivybank Finance, a small-business funding service in Quincy, Illinois, sorts funding notes by industry: trades, retail, food and drink, professional firms, health care, personal services and more. Each note gives the Adams County, IL employer count from County Business Patterns 2023 where one is published and points to the funding type or page that fits.
Industries across Adams County, IL and how this page is organized
Funding partners consider requests from many industries. What changes from one trade to another is the cash cycle: when money goes out, when it comes back and what the business owns that can secure a request. The notes below cover more than twenty kinds of Adams County, IL business; twelve have a dedicated page.
Counts are employer establishments in Adams County, IL from County Business Patterns 2023 unless a note says otherwise. Counts of businesses without paid employees come from Nonemployer Statistics 2024, a separate program, and are never added to employer counts.
Industries Ivybank Finance does not arrange funding for
Ivybank Finance does not arrange funding for trucking companies, commercial real estate purchases, startups or personal needs. For every other kind of business, call (217) 319-6382 or start from the working capital and equipment financing pages. County figures behind these notes are on the Quincy, IL data page.
A farm supply store, a seed dealer or a shop that repairs growers' equipment is a business like any other on this list and can send a request.
By Ivybank Finance ยท Updated
Which Funding Type Suits Your Line of Work?
Call (217) 319-6382 with the kind of business and the bill.
Full name, phone, email, a company name if there is one, and three range choices: time in business, annual revenue and the amount you are after, plus a consent box.
