Fourteen industry pages and short notes on twenty-four more sectors, each with Thurston County census counts and the funding that fits its cash cycle.
Builders, finishers and mechanical trades, plus specialty contractors.
Contractor business loans in Olympia, WA: payroll between draws, equipment and credit lines for builders, with Thurston County, WA counts.
Painting, drywall and flooring contractor loans in Olympia, WA: working capital, credit lines and sprayer financing, with local trade counts.
Plumbing and HVAC business loans in Olympia, WA: service vans, equipment and stock, and working capital for contractors, with local counts.
Site prep, concrete cutting, fencing and other specialty trades (NAICS 2389) counted 84 employer establishments, 65.5% with fewer than five employees. A further 341 businesses in the same code had no employees (Nonemployer Statistics 2024). These firms may carry machines and trailers and may be paid after the work is inspected, so the construction page covers their cash cycle.
There were 78 electrical contracting establishments (NAICS 238210), 59.0% under five employees, with 676 paid employees in all. Electricians buy wire, panels and fixtures before a job pays and may wait on a general contractor's draw. See contractor funding.
Roofers numbered 35 employer establishments (NAICS 238160), and 42.9% had fewer than five employees. Materials may be bought per job and crews paid weekly, while payment can arrive at completion. A business with that pattern can compare a revolving line with a lump sum; the construction page walks through both.
Clinics, practices and care services, with their reimbursement timing.
Chiropractic, physical therapy and optometry practice loans in Olympia, WA: equipment, build-outs, insurance timing and local practice counts.
Medical practice loans in Olympia, WA: physician business loans, clinic equipment, buy-ins and payroll while claims are paid, with local counts.
Dental practice loans in Olympia, WA: equipment, office build-outs, practice acquisitions and payroll timing, with local dental office counts.
Individual and family services (NAICS 6241) had 91 employer establishments and 7,763 paid employees, about 85 per establishment by our arithmetic. Revenue from contracts and reimbursements can arrive after the work is done. Where payroll timing is the gap, working capital is built for it.
Assisted living facilities for the elderly (NAICS 623312) counted 77 establishments with 858 paid employees in 2023. Residents' payments and any third-party reimbursements may arrive monthly, while care wages run every pay period. Covering payroll gaps and refurbishing rooms are two funding questions; working capital is the first comparison.
Home health care services (NAICS 6216) had 19 employer establishments and 400 paid employees, plus 198 nonemployer businesses in the same code (NES 2024). Caregivers may be paid before claims are settled, which can make receivables a pressure point. See working capital for payroll.
Business loans for veterinarians can fund equipment or a clinic expansion. Veterinary services (NAICS 541940) had 50 employer establishments in Thurston County, WA, only 28.0% of them under five employees, and 1,422 paid employees. Digital X-ray units and surgical tables belong with equipment financing, while supplies and payroll between invoices fit working capital.
Kitchens, espresso bars and taverns.
Restaurant business loans in Olympia, WA: kitchen equipment, coolers, POS systems, renovations and working capital, with Thurston County, WA counts.
Coffee shop business loans in Olympia, WA: espresso machine financing, build-outs and working capital, with Thurston County, WA café counts.
Drinking places (NAICS 7224) counted 30 employer establishments, 23.3% under five employees. Bars pay for stock and wages before sales come in, and card receipts mean advances can be offered to them. Compare a revolving line of credit before considering any advance.
Hotels, motels and gyms.
Business loans for hotels can cover renovation, furniture and systems. Traveler accommodation (NAICS 7211) had 32 employer establishments and 1,632 paid employees in 2023. A hotel might pair longer-term funding for rooms with a line of credit if its months are uneven; we have no local occupancy data.
Fitness and recreational sports centers (NAICS 713940) had 24 employer establishments and 518 paid employees. Business loans for gyms can fund equipment and build-outs, while memberships can bring in monthly receipts that partners can review. A line of credit can carry the months between equipment purchases and new members.
Accounting, consulting, engineering, insurance, legal and IT.
Accounting firm loans and financing for consultants, engineers and insurance agencies in Olympia, WA: receivables, payroll, hires and acquisitions.
Law firm loans in Olympia, WA: payroll during long matters, case costs, office moves and partner buy-ins, with Thurston County, WA legal counts.
Computer systems design and related services (NAICS 5415) counted 100 employer establishments, 83.0% with fewer than five employees, and, in a separate program, 302 nonemployer businesses in 2024 (NES). Costs can be mostly people and software, and clients pay on invoice terms. Working capital fits the gap between billing and payment.
Business, professional, labor, political and similar organizations (NAICS 8139) had 101 employer establishments and 1,412 paid employees. Dues and event revenue arrive on their own schedule. Where an organization is set up as a business borrower, working capital is one comparison; partners may not consider every entity type.
Lessors, agents and property managers.
Lessors of real estate (NAICS 5311) counted 144 employer establishments, 86.1% under five employees, and, in a separate program, 809 nonemployer businesses (NES 2024). Mortgages are a different product, which we do not arrange. Improvements to an owned commercial property are a different matter; see term loans.
Offices of real estate agents (NAICS 5312) had 140 employer establishments, 93.6% with fewer than five employees, plus 643 nonemployers (NES 2024). Commissions may arrive at closing, so marketing and desk costs can come first. A small term loan can fund an office fit-out; commission advances are not something we arrange.
Activities related to real estate (NAICS 5313), which include property managers and appraisers, counted 91 employer establishments. Management fees may come in monthly while repairs are paid up front. Owners growing a management business into a second office can look at term loans.
Repair bays, parts and vehicle stock.
Auto repair shop loans in Olympia, WA: lifts, diagnostic tools, parts inventory and bay expansions, with Thurston County, WA repair shop counts.
There were 19 automobile dealer establishments (NAICS 4411) with 873 paid employees in 2023. Dealers can finance vehicles one unit at a time through floor plan arrangements, a form of inventory financing.
Chairs, stations and booth economics.
Salon business loans in Olympia, WA for hair salons, barbers and nail studios: chairs, stations, remodels and payroll, with local salon counts.
Stock is bought before it sells.
Gasoline stations (NAICS 4471) counted 83 employer establishments and convenience stores (NAICS 445120) another 20. Fuel and store stock are inventory bought ahead of sales. Business loans for retail like this can start with inventory financing for the store side.
Clothing and clothing accessories stores (NAICS 448) had 71 employer establishments and 955 paid employees. Boutiques may order lines months ahead of the selling window. A partner can review a boutique's inventory request against sell-through history; see inventory financing.
Grocery stores (NAICS 4451) counted 70 employer establishments and 2,175 paid employees. Coolers and shelving are long-term purchases while food stock is short-term. Inventory financing and equipment financing can sit side by side.
Building material and garden equipment dealers (NAICS 444) had 66 employer establishments, only 28.8% under five employees, and 1,538 paid employees. Stock can be bulky and bought ahead of sales. See inventory financing for lumber, tools and nursery stock.
Furniture and home furnishings stores (NAICS 442) counted 36 employer establishments with 271 paid employees. Showroom pieces tie up cash until they sell, and special orders may need deposits to suppliers. Inventory financing is the closest fit.
Crews, equipment and contract billing.
Landscaping business loans in Olympia, WA: mowers, trucks and trailers, working capital for crews, and running costs, with local counts.
Cleaning business loans in Olympia, WA: payroll for new contracts, cleaning equipment and vans, with Thurston County, WA janitorial counts.
Centers and classrooms.
Business loans for daycare can cover classroom build-outs, playground equipment and the payroll gap before enrollment fills. Child day care services (NAICS 624410) had 76 employer establishments and 1,006 paid employees, plus 186 nonemployer providers (NES 2024). Start with working capital for payroll timing.
Production equipment and stock.
Food manufacturing (NAICS 311) had 26 employer establishments and 345 paid employees. Business loans for manufacturing in food can cover ovens, mixers, packaging lines and cold storage. See equipment financing.
Fabricated metal product manufacturing (NAICS 332), which includes machine shops, counted 23 employer establishments with 369 paid employees. CNC machines, press brakes and welders are equipment a partner can value and resell, which suits equipment financing, new or used.
Aspenhollow Business Capital, based in Olympia, WA, groups business funding by industry: fourteen dedicated pages for contractors, practices, restaurants, cafés, salons, firms and shops, and notes on twenty-four more Thurston County sectors. Each note gives the 2023 census count and points to the funding option that matches how money moves in that business.
Funding partners consider businesses across most industries. The fourteen pages below are written for specific sectors in Thurston County, WA, and the short notes after them cover twenty-four more. Every count comes from the U.S. Census Bureau's County Business Patterns 2023 unless another source is named. We do not arrange agriculture or trucking funding, and banks, credit unions and religious organizations are not covered here.
| Industry (NAICS 2017) | Establishments | Share under 5 employees |
|---|---|---|
| Residential building construction (2361) | 285 | 74.4% |
| Chiropractors, therapists, optometrists and other practitioners (6213) | 252 | 64.7% |
| Full- and limited-service restaurants (722511, 722513) | 384 | 18.2% |
| Offices of physicians (6211) | 172 | 50.6% |
| Building finishing contractors (2383) | 149 | 70.5% |
| Accounting, consulting, engineering and insurance firms (5412, 5416, 5413, 5242) | 420 | 71.0% |
| Legal services (5411) | 135 | 68.1% |
| Offices of dentists (6212) | 137 | 21.9% |
| Auto repair and maintenance (8111) | 124 | 48.4% |
| Snack and nonalcoholic beverage bars (722515) | 105 | 27.6% |
| Landscaping services (561730) | 100 | 64.0% |
| Beauty and nail salons (812112, 812113) | 148 | 62.8% |
| Janitorial services (561720) | 85 | 69.4% |
| Plumbing, heating and AC contractors (238220) | 76 | 53.9% |
Shares for combined rows are our arithmetic from the published counts. Countywide context is on the Olympia, WA page.
By Aspenhollow Business Capital · Updated
