Kitestone Capital Group, a small-business funding service in Hyannis, MA, helps Barnstable County general contractors and builders compare lines of credit, equipment financing and working capital loans for draws, payroll and machinery. Requests go to funding partners, who review them and make their own decision. Trade-specific pages cover finishers, plumbers and electricians.
| County construction employers, 2023 | 1,516 (CBP) |
|---|---|
| Residential builders (NAICS 2361) | 545 employer establishments |
| Construction businesses with no employees, 2024 | 4,398 (NES) |
| New homes permitted, county, 2025 | 630 units (BPS) |
| Funding types to compare | Line of credit, equipment financing |
| Decision by | The funding partner |
How Money Moves Through a Building Company
A builder's costs arrive in a predictable order: deposits for materials, weekly payroll, subcontractor invoices, then equipment fuel and repairs. Income arrives in a different order, often in draws tied to completed stages and a final payment after inspection and punch-list work. The gap between those two sequences is the core funding question for any construction company.
Construction business loans are rarely about one big purchase. More often they are about carrying three or four jobs at different stages without the bank balance dipping below payroll.
Working Out a Construction Company's Working Capital Requirement
A practical way to estimate it: add up the costs you pay before the first draw on a typical job (materials, two or three weeks of labor, subcontractor deposits), then multiply by the number of jobs you usually run at once. Subtract any customer deposits you collect up front. What is left is roughly the cash a working capital line needs to cover.
Illustrative example only: a builder running three remodels, each needing $18,000 of materials and $9,000 of labor before the first draw, with $8,000 of customer deposits per job, carries about 3 x ($27,000 - $8,000) = $57,000 at the busiest overlap. Working capital for a construction company can be sized from that kind of arithmetic rather than a round number.
Because that need rises and falls with the job schedule, a line of credit may be the closer fit than a fixed loan: draw for the job, repay at the draw, draw again. A working capital loan suits a single, known gap.
Construction Equipment Financing
Trucks, trailers, compact excavators, skid steers and lifts are long-lived assets, so equipment financing spreads their cost over their working life and uses the machine as security. Construction equipment financing for used machines is common; partners look at hours, age and condition. Renting may still make sense for equipment used only a few weeks a year.
Need-to-Funding Map for Builders
| Need | Funding type to compare |
|---|---|
| Materials and labor before a draw | Line of credit |
| One known gap, such as a slow final payment | Working capital loan |
| Excavator, truck, trailer or lift | Equipment financing |
| Buying out a partner or another firm | Business term loan |
| Stock of materials bought in bulk | Inventory financing |
How to Get a Loan for a Construction Company: What Partners Review
- Statements where completed-job deposits are easy to trace
- A work-in-progress or job list: contract values, amounts billed, amounts collected
- Tax returns, and for larger requests a balance sheet
- Existing equipment loans and leases
- Quotes or descriptions for any equipment being financed
Partners do not publish one cutoff for revenue, time in business or credit. They look for evidence that jobs get finished and paid. A clear job list belongs alongside the totals.
Builders by the Count in Barnstable County, MA
| Industry (NAICS 2017) | Employer establishments, county, 2023 | Under 5 employees | Paid employees | ZIP 02601 employer establishments | No-employee businesses, county, 2024 |
|---|---|---|---|---|---|
| Residential building construction (2361) | 545 | 76.0% | 2,130 | 53 | 1,190 (NAICS 2361) |
| Nonresidential building construction (2362) | 17 | 47.1% | 283 | 3 | 59 (NAICS 2362) |
| Other specialty trade contractors (2389) | 137 | 64.2% | 750 | 8 | 611 (NAICS 2389) |
| Roofing contractors (238160) | 17 | 82.4% | 86 | not published | 318 (NAICS 2381; broader code) |
Sources: U.S. Census Bureau, County Business Patterns 2023 (county employer counts and employees), U.S. Census Bureau, ZIP Code Business Patterns 2023 (ZIP 02601), U.S. Census Bureau, Nonemployer Statistics 2024 (businesses without employees, NAICS 2022 codes). The programs differ in year and coverage, so the columns are not added together.
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 (U.S. Census Bureau, County Business Patterns 2023). Separately, 4,398 construction businesses had no paid employees in 2024 (U.S. Census Bureau, Nonemployer Statistics 2024); the two programs are not added or compared here. On the residential side, building permits authorized 547 new housing units in 2023, 640 in 2024 and 630 in 2025 across the county (U.S. Census Bureau, Building Permits Survey); those counts cover new homes only, not remodels or commercial work.
In ZIP 02601, construction was the second most common sector by employer establishments in 2023, with 167 (U.S. Census Bureau, ZIP Code Business Patterns 2023).
Trade Pages for Cape Cod, MA Contractors
Specialist trades have their own pages: painting, flooring and finish contractors, plumbing and HVAC contractors and electrical contractors. Landscapers are covered on the landscaping page. All industries are listed on the industries hub, and local figures are on the Hyannis, MA page.
By Kitestone Capital Group · Updated