Hyannis, MASmall-business funding
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Hyannis, MA
Forty kinds of Cape business, each with its own cash timing. Find yours, see the Census count, and follow the link to the funding type that fits.
Materials bought before invoices are paid, crews, vans and machines.
Contractor business loans for Hyannis, MA and Cape Cod builders: carrying materials and payroll between draws, financing machines, sizing working capital.
Painting contractor business loans in Hyannis, MA: working capital for materials and crews, credit lines and painting equipment financing.
Plumbing and HVAC business loans in Hyannis, MA: service vans, parts stock, equipment financing and working capital for Cape Cod contractors.
Electrical contractor business loans in Hyannis, MA: credit lines for wire and panels, van and tool financing, and working capital for electricians.
More industries
Construction had 1,516 employer establishments in Barnstable County, MA in 2023, more than any other sector, and 75.9% of them had fewer than five employees. Residential builders alone numbered 545. Builders carry materials and labor for weeks before a draw or final payment arrives, and they run trucks and machines that wear out. The contractor funding page sets out which funding types cover each of those costs.
Building finishing contractors (NAICS 2383) counted 272 employer establishments in 2023, 87.9% with fewer than five employees, and separately 1,658 businesses without employees in 2024. Finishers often buy paint, tile or flooring before the job is billed. The painting and flooring contractor page covers materials deposits, crew pay and vans.
There were 205 plumbing, heating and air-conditioning employer establishments in the county in 2023. These shops stock fittings and equipment, run service vans and can wait on builders or property owners to pay. The plumbing and HVAC page explains how partners look at that cycle.
Electrical contractors numbered 147 employer establishments in 2023, three-quarters of them with fewer than five employees. Wire, panels and fixtures are bought per job, and payment can follow a builder's draw schedule. See the electrical contractor page.
Landscaping services (NAICS 561730) counted 478 employer establishments in 2023, ranking second among the detailed industry codes in the county file, and 776 businesses without employees at the broader NAICS 56173 level in 2024. Mowers, trailers and trucks are the big costs. The landscaping funding page covers them.
Roofing is a small employer group here, 17 establishments in 2023; separately, 318 businesses without employees were counted in 2024 at the broader NAICS 2381 level (foundation, structure and exterior contractors). Roofers buy materials up front and need lifts and trucks. The contractor funding page applies.
NAICS 2389 covers site preparation and other specialty trades: 137 employer establishments in 2023 and 611 without employees in 2024. Excavators and compact loaders are examples of purchases, and equipment financing is one comparison to run.
Daily ingredients, weekly wages and long-lived kitchen equipment.
Full-service restaurants (446), limited-service restaurants (215) and snack and nonalcoholic beverage bars (152) made up 813 employer establishments in 2023. Food businesses buy ingredients daily and pay wages weekly, and their kitchens depend on expensive equipment. The restaurant funding page covers each piece.
Snack and nonalcoholic beverage bars (NAICS 722515) had 152 employer establishments in 2023, 39.5% with fewer than five employees. Espresso machines, freezers and display cases are typical equipment purchases. Equipment financing is one place to start.
Drinking places (NAICS 7224) are a small group in the county, 21 employer establishments in 2023. Stock, refrigeration and refurbishment are possible funding needs. A line of credit handles uneven weeks better than a fixed loan.
Food manufacturing had 31 employer establishments in 2023. Small producers, from bakeries to specialty food makers, buy ovens, mixers and packaging lines and may sell to stores on invoice terms. Equipment financing covers the machines.
Renovation cycles, furnishings and membership or booking income.
Traveler accommodation (NAICS 7211) counted 204 employer establishments in Barnstable County, MA in 2023, 71.1% with fewer than five employees. Renovating rooms, replacing furniture and upgrading systems are the large recurring costs. The hotel and inn page explains how to split a renovation between funding types.
Fitness and recreational sports centers had 49 employer establishments in 2023. Treadmills, racks and studio fit-outs are expensive, while membership income arrives monthly. Working capital and equipment financing are two comparisons to run.
Stock bought ahead of sales, card receipts and store fit-outs.
Retail store business loans in Hyannis, MA: funding a boutique's stock, store refits and uneven months, plus how card-sales advances compare.
Gas station and convenience store loans in Hyannis, MA: inventory financing, pump and cooler equipment, and term loans to buy or upgrade a store.
Retail trade counted 1,402 employer establishments in the county in 2023, second only to construction. Shops often buy stock months before it sells. The retail funding page covers inventory, fit-outs and uneven months.
Gasoline stations (104) and convenience stores (71) totaled 175 employer establishments in 2023. Fuel and packaged goods are the stock, and pumps, tanks and coolers are long-lived equipment. See the gas station and convenience store page.
Clothing and accessories stores had 219 employer establishments in 2023, 51 of them with a ZIP 02601 address. Fashion stock is ordered well ahead and can lose value if it does not sell. Retail funding explains how partners look at it.
Grocery stores counted 143 employer establishments and 4,272 employees in 2023. Perishable stock and refrigeration make cash timing and equipment the questions to price. The retail page covers both.
There were 124 building material and garden equipment and supplies dealers in 2023. Inventory, and any trade credit extended to contractors, ties up cash. Retail funding and inventory financing are two places to start.
Beer, wine and liquor stores numbered 86 employer establishments in 2023. Inventory is the main thing to finance, and larger buys change the cash needed up front. The retail page covers inventory-heavy shops.
Furniture and home furnishings stores had 85 employer establishments in 2023, 24 of them in ZIP 02601. Bulky stock, showroom space and delivery vehicles tie up capital. See retail funding.
Gift, novelty and souvenir stores counted 73 employer establishments in 2023, 80.8% of them with fewer than five employees. Orders are placed with suppliers well before sales arrive. The retail funding page covers stocking ahead.
Lifts, diagnostic tools, parts on the shelf and vehicle stock.
Auto repair and maintenance had 159 employer establishments in 2023, 38 with a ZIP 02601 address. Lifts, diagnostic scanners and alignment machines are big purchases, and parts sit on shelves until jobs use them. See the auto repair shop page.
Automobile dealers numbered 38 employer establishments in 2023, 26 of them in ZIP 02601. Vehicle stock is a separate question from the service department and lot, which also need equipment and working cash. Equipment financing covers shop tools.
Commercial and industrial machinery repair is a small group, 10 employer establishments in 2023, 90% with fewer than five employees. Service trucks and test equipment are the main costs. Equipment financing fits.
Reimbursement timing, clinical equipment and practice purchases.
Medical practice loans in Hyannis, MA: equipment financing for clinics, term loans for buyouts and build-outs, and working capital while claims are paid.
Chiropractic practice loans in Hyannis, MA: equipment financing for tables and imaging, optometry practice loans, and working capital for therapy clinics.
Offices of physicians (101) and dentists (99) made up 200 employer establishments in 2023. Practices can wait on insurance reimbursement, buy costly equipment and sometimes buy out a retiring owner. The medical and dental page covers each.
Offices of other health practitioners counted 158 employer establishments in 2023 and 732 practitioners without employees in 2024. Treatment tables, imaging and exam equipment are typical purchases. See the chiropractic and therapy page.
Veterinary services had 42 employer establishments in 2023, and only 23.8% had fewer than five employees, against 62.8% of all employer establishments in the county. Surgical and imaging equipment drive funding needs. The medical and dental page covers similar questions.
Home health care services numbered 40 employer establishments with 1,360 employees in 2023. Payroll for field employees runs ahead of reimbursement, so timing is the central question. The health practice page explains how partners view reimbursement lag.
Chairs, stations, product stock and card-heavy sales.
Beauty salons counted 111 employer establishments in 2023 and 379 without employees in 2024. Chairs, stations, dryers and product stock are typical costs. Working capital and equipment financing are two options.
Nail salons had 29 employer establishments in 2023 and 136 without employees in 2024. Ventilation, pedicure stations and a fit-out can be a large upfront cost for a small shop. Working capital helps around a refit.
The 2023 county file does not publish an employer count for barber shops at their own code, but 78 barber shops without employees were counted in 2024. Chairs and a fit-out are likely needs. See working capital.
Work done now, invoiced later, and payroll in between.
Professional services business loans in Hyannis, MA: credit lines and working capital for Cape Cod accounting, engineering and consulting firms.
Law firm business loans in Hyannis, MA: lines of credit for payroll and case costs, working capital, and term loans for relocations and partner buyouts.
Accounting (127), architecture and engineering (127) and management and technical consulting (125) firms together had 379 employer establishments in 2023. Salaries go out on a schedule while billing can follow completion. The professional services page explains the receivables gap.
Legal services counted 166 employer establishments in 2023, 77.7% with fewer than five employees, and 30 with a ZIP 02601 address. Case costs and contingency timing are cash questions. See the law firm page.
Offices of real estate agents (NAICS 5312) had 170 employer establishments in 2023, 92.4% with fewer than five employees, and 1,212 without employees in 2024. Commission income can be uneven. A term loan suits a defined expansion.
Lessors of real estate counted 121 employer establishments in 2023 and 1,451 without employees in 2024. Improvements to leased space and building systems are one-time projects, which suit a business term loan.
Insurance agencies (NAICS 524210) had 81 employer establishments in 2023. Commission timing and growth through hiring producers create short gaps that a line of credit can bridge.
Vehicles, machines and the cash to cover contracts.
Janitorial services had 99 employer establishments in 2023 and 1,184 businesses without employees at the broader NAICS 56172 level in 2024. Payroll can run weekly while commercial clients pay on invoice terms. Working capital bridges that.
Child day care services counted 54 employer establishments with 531 employees in 2023. Payroll is a cost to cover, and fit-outs for new rooms are periodic projects. See working capital.
Printing and related support activities had 17 employer establishments in 2023. Presses, wide-format printers and finishing equipment are the main purchases. Equipment financing fits.
Fabricated metal product manufacturing counted 15 employer establishments in 2023. CNC machines, welders and brakes are long-lived assets financed over years. See equipment financing.
Kitestone Capital Group, a small-business funding service in Hyannis, MA, groups business loans for small businesses by industry here: 40 short notes on Barnstable County trades, shops, practices and firms, each with Census figures and a link to a dedicated page or a fitting funding type. Partners consider businesses across most industries.
Each short note below describes how money typically moves through one kind of business, gives one or two Barnstable County, MA figures from the Census Bureau, and links to the page or funding type that fits it. Employer counts are from U.S. Census Bureau, County Business Patterns 2023; counts of businesses with no employees are from U.S. Census Bureau, Nonemployer Statistics 2024. The two programs use different years and industry definitions, so their numbers are never added together here.
Partners consider businesses across most industries, including many not listed. If yours is missing, call (508) 296-5896. For local organizations that support Cape businesses, see the Cape Cod small business resources guide.
| Sector | Establishments | Share under 5 employees |
|---|---|---|
| Construction | 1,516 | 75.9% |
| Retail trade | 1,402 | 55.4% |
| Accommodation and food services | 1,097 | 48.4% |
| Other services (repair, personal care and more) | 805 | 65.0% |
| Administrative, support and waste services | 777 | 74.1% |
| Health care and social assistance | 770 | 41.7% |
| Professional, scientific and technical services | 758 | 74.3% |
| Real estate, rental and leasing | 433 | 84.5% |
Businesses without employees are counted separately: Barnstable County, MA had 28,874 of them in 2024, including 4,398 in construction and 4,591 in professional, scientific and technical services (U.S. Census Bureau, Nonemployer Statistics 2024).
By Kitestone Capital Group · Updated
