Business loans by industry in Binghamton, NY: kitchens, salons, grocers, clinics and machine shops each buy and get paid on their own schedule. Fourteen industry pages and a set of hub notes match those schedules to funding types, using Broome County Census counts.
Each page has county counts and the purchases that trade tends to fund.
Retail trade had 637 employer establishments in Broome County, NY in 2023, accommodation and food services 511 and other services 507, the three largest sectors by count (CBP). Retail, restaurants, coffee shops, hotels and motels, salons and auto repair pages come from those sectors, along with grocery stores and gas stations. These trades buy stock and equipment and are paid mostly at the counter.
Health care and social assistance paid about $1.07 billion in wages in Broome County, NY in 2023, more than any other sector, and employed 16,150 people (CBP). Offices of physicians numbered 139 employers and offices of dentists 53. The medical practice page and the dental office page cover imaging, buy-ins and payroll while claims are paid; the child care page covers the 39 county child day care employers.
Construction had 397 employers in the county in 2023 and fabricated metal product manufacturers, the group that includes machine shops, 29 (CBP). The construction page covers draws and retainage, the machine shop page covers CNC lathes and purchase orders, and the landscaping page covers the 63 landscaping employers and their mowers, plows and skid steers. Each of these trades buys machines with long lives, so equipment financing sits at the center of all three pages.
Notes on sectors without a page.
Broome County, NY had 23 fitness and recreational sports center employers with 355 paid employees in 2023, five of them in ZIP 13901 (CBP and ZIP Business Patterns). That is below the 25 county employers this site uses before giving a trade its own page. Gyms and studios fund racks, bags, bikes, reformers, flooring and mirrors, usually as one equipment package, and the equipment page has a section on boxing and barre studios.
Plumbing, heating and air-conditioning contractors numbered 54 employers in the county in 2023, electrical contractors 34 and building finishing contractors 47 (CBP). These trades fund vans, tools and parts stock, and payroll while a general contractor holds retainage. The construction page covers both patterns, and equipment financing covers the vans and the tools that ride in them. Specialty trades tend to be small, so one slow general contractor can stall a month of their payroll.
Legal services numbered 48 employers in Broome County, NY in 2023, accounting, tax preparation, bookkeeping and payroll services 53 (CBP). Thirty-three of those 48 legal services employers had under five people on payroll. Professional offices fund technology, office build-outs, a partner buyout or the purchase of a book of business, usually with a term loan or a line of credit. Their income often arrives as client billings paid on terms, so a line fits the gaps between invoices.
Offices of other health practitioners, including chiropractors and physical and occupational therapists, numbered 74 employers in Broome County, NY in 2023, with 444 paid employees (CBP). They fund treatment tables, imaging and rehabilitation equipment and payroll while insurance claims are paid, the same patterns covered on the medical practice page. Small practices with one or two providers feel claim delays most, because one slow insurer can hold a large share of the month's income.
Automobile dealers numbered 38 employers in Broome County, NY in 2023, building material and garden equipment and supplies dealers 44, and health and personal care stores 53 (CBP). These businesses carry large stocks and fund them with inventory loans and lines; the retail page and the inventory loan page cover the patterns. Dealers holding vehicle stock may carry vehicles on floor-plan lines from specialist lenders, which sit outside the funding types listed here.
Which Census program counted what, and when.
The trade counts on this hub are County Business Patterns figures for 2023, coded to NAICS 2017 and limited to establishments with paid staff; ZIP counts come from ZIP Business Patterns for the same year. Businesses without paid employees are counted in Nonemployer Statistics 2024 (NAICS 2022). The two programs measure different things in different years, so their counts are never added. Every figure on this site names its program, its geography and its year, and ZIP figures always say ZIP.
Construction business loans in Binghamton, NY for remodelers, electricians and crews: draws, equipment, public bids and dealer leases, with county counts.
Auto repair shop loans in Binghamton, NY: lifts, alignment and tire machines, scan tools, paint booths, parts stock and second shops, with county counts.
Landscaping equipment financing in Binghamton, NY for skid steers, mowers, plows and trailers, with Broome County landscaping counts and spring payroll gaps.
Machine shop loans in Binghamton, NY for CNC lathes, mills, inspection gear and expansions, with Broome County fabricated metal counts and lender comparisons.
Business loans for retail in Binghamton, NY: stock, fixtures, storefront refreshes and second shops, with Broome County retail counts and lender records.
Salon business loans in Binghamton, NY: nail stations, pedicure rows, styling chairs, rentable chairs and barbershop expansions, with Broome County counts.
Grocery store loans in Binghamton, NY: freezers, deli counters, wholesale orders, liquor store stock and store purchases, with Broome County grocery counts.
Gas station loans in Binghamton, NY for pumps, coolers, store rebuilds, delis and station purchases, with Broome County station and store counts.
Restaurant loans in Binghamton, NY for pizzerias, diners and downtown dining rooms: ovens, walk-ins, remodels and the records lenders read.
Hotel loans in Binghamton, NY for bathroom upgrades, FF&E, room systems and meeting space, without a property mortgage.
Coffee shop loans in Binghamton, NY: espresso machines, drive-up windows, bakery cafes, second locations and counters inside stores, with county counts.
Medical practice loans in Binghamton, NY for exam rooms, imaging and buy-ins: new providers, office moves and buying a practice, with county counts.
Dental office loans in Binghamton, NY for operatories, imaging, sterilization centers and second offices, with Broome County dentist counts.
Daycare center financing in Binghamton, NY for infant rooms, playgrounds, staff payroll and second sites, with Broome County child day care counts.
Harborpark Funding Group, a Binghamton, New York funding service, takes requests from operating businesses in every trade except for-hire trucking and agriculture. This hub links fourteen industry pages and notes on sectors without a page.
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Phone (607) 213-8439 and describe the business and the cost.
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