Bellcrest Lending Group, a small-business funding service in Fond du Lac, Wisconsin, explains funding for contractors: working capital between draws, lines of credit for materials, and equipment financing for trucks and machines. It uses Fond du Lac County construction figures from County Business Patterns 2023 and Nonemployer Statistics 2024, and covers roofers, electricians and independent contractors.
At a glance
- Construction employers
272 employer locations, Fond du Lac County, WI (CBP 2023)
- Under five employees
61.8% of the 272 builders and trades (CBP 2023)
- Construction payroll
$280.5 million paid to 3,248 employees (CBP 2023)
- Without paid employees
654 one-owner and family construction firms (NES 2024)
Construction Across Fond du Lac County, WI: 2023 and 2024 Census Counts
County Business Patterns counted 272 construction employer establishments in Fond du Lac County, WI in 2023, with 3,248 paid employees and $280.5 million in annual payroll; 61.8% had fewer than five employees. That is about $86,400 of payroll per employee (our arithmetic). ZIP 54935 accounted for 77 construction employers (ZIP Code Business Patterns 2023; the ZIP is not the city limits).
Nonemployer Statistics, a separate program, counted 654 construction businesses without paid employees in the county in 2024, with $78.3 million in combined receipts. Within construction, residential builders counted 54 employers, plumbing and HVAC 50, building finishing contractors 39, other specialty trades 36, electrical contractors 23 and roofers 12 (County Business Patterns 2023).
Roofing equipment financing options in Fond du Lac, WI
Roofing crews finance trailers, lifts, dump trailers, nail guns and compressors, and sometimes a crane or conveyor. Each has a resale value, so equipment financing is the natural fit: the item secures the agreement, and the term can follow its useful life. Roofing contractors in the county counted 12 employers with 136 employees in 2023 (County Business Patterns).
Nonemployer Statistics groups roofers with foundation, framing and siding trades: 90 such businesses without paid employees in the county in 2024. A one-truck roofer financing a dump trailer needs the same quote and seller details as a larger crew.
Working capital for contractors for Fond du Lac County, WI businesses
Working capital for a contractor covers the gap between paying out and collecting. Materials are bought at the start, crews are paid every week or two, and the owner is paid by draw or invoice, sometimes with retainage held back until the end. A working capital loan or a line of credit carries the business through that gap.
Working capital in Fond du Lac, WI explains what partners review; a line suits contractors with several jobs overlapping.
Working capital calculation for construction company: what Fond du Lac, WI owners should know
Take current assets, subtract current liabilities, and the remainder is working capital. For a construction company, current assets include cash, receivables from completed draws, retainage due within the year and materials on hand. Current liabilities include supplier bills, payroll due, taxes and loan payments due within a year.
Illustration only, invented figures: a contractor has $40,000 in cash, $85,000 in receivables, $30,000 in retainage due within a year and $15,000 in materials, for $170,000 in current assets (our sum). Bills due within a year total $120,000. Working capital is $50,000 (our arithmetic), and the current ratio is about 1.4 ($170,000 divided by $120,000, our arithmetic). Partners read both figures.
Independent contractor business loans around Fond du Lac, WI
Independent contractors, meaning one-person construction businesses, file as sole proprietors or single-member companies. Nonemployer Statistics counted 654 construction businesses without paid employees in the county in 2024. For these owners, partners read personal and business records together, because the two are hard to separate.
Keep business deposits in a business account, even as a sole owner. For an owner without payroll, a clean account history is one of the clearest records a partner can read.
Electrical contractor financing for Fond du Lac County, WI businesses
Electrical contractors finance bucket trucks, trenchers, testing equipment and wire stock. Electrical contractors counted 23 employers in the county in 2023, with 154 employees and $11.4 million in payroll (County Business Patterns), and Nonemployer Statistics counted 27 without paid employees in 2024.
Wire and fixtures bought ahead of a job are an inventory cost, a line of credit need rather than a long loan; trucks and machines belong in equipment financing.
Business loans for construction company for Fond du Lac County, WI businesses
Business loans for a construction company sort into three groups: working capital or a line for the gaps between draws, equipment financing for the machines and trucks, and term loans for a shop, yard or purchase of another contractor. Residential builders (54 employers in the county in 2023, 74.1% with fewer than five employees) and nonresidential builders (11 employers, 755 employees) carry very different scales.
A builder's request reads best with a list of current contracts, their values, billing schedules and retainage terms.
Job Paperwork Partners Ask Fond du Lac County, WI Contractors For
- Statements from the business account with each draw deposit visible.
- A work-in-progress or contract schedule: contract value, billed to date, retainage held.
- A receivables aging report by customer.
- Business returns plus financials for the year so far.
- For equipment: the quote, model and seller.
Bonded contractors may also be asked about bonding capacity. Partners decide which records apply.
Finishing, Painting and Drywall Trades
Building finishing contractors, the Census group for painters, drywall, flooring and tile trades, counted 39 employers in the county in 2023, 28 of them with fewer than five employees, plus 200 such businesses without paid employees in 2024 (Nonemployer Statistics, separate). Their needs are smaller equipment and materials ahead of jobs; see excavation business loans and plumbing and HVAC funding for related trades, landscaping business loans for grounds work, all industries, or Fond du Lac County, WI business counts.
By Bellcrest Lending Group ยท Updated