Builders, site crews and trade contractors in DeLand, Florida can send funding requests through Sableport Capital Group to its funding partners. Construction counted 1,808 employer establishments in Volusia County, FL in 2023. This page covers contractor loans, equipment, working capital for draw gaps, retainage, roofing crews and residential permit counts.
At a glance
- Construction employers, Volusia County, FL
1,808, 71.4% under five employees (County Business Patterns 2023)
- Residential builders
376 employers (County Business Patterns 2023)
- Construction businesses without paid employees
5,791 (Nonemployer Statistics 2024)
Financing for Contractors and Builders: Two Kinds of Money
Contractor business loans split into machines and wages. Excavators, dump trucks and trailers serve a crew for years, which points to equipment financing or a term loan. Wages and materials run ahead of every draw and suit a line of credit. Construction counted 1,808 employer establishments in Volusia County, FL in 2023, with 11,196 employees and $635.6 million in payroll, about $56,769 per employee (our arithmetic; County Business Patterns 2023).
Small crews are the norm in the count: 71.4% had under five people on payroll. Of the 376 residential builders, 84.6% were that small, and the separate Nonemployer Statistics program found 1,690 home builders working with no payroll at all in 2024 (Nonemployer Statistics 2024).
Construction Equipment Financing for an Excavator or Dump Truck Around DeLand, FL
Illustration only, invented figures: a $96,000 compact excavator with $12,000 down, financed over 60 months at an invented 9.5% annual rate, runs about $1,764 a month (our arithmetic). Used machines draw shorter terms; funders read hours, year and service records.
The equipment financing page compares loans and leases for machines.
How to Get Funding for a Contractor Business in Florida: The Five-Item File
- The signed contract or bid, naming who pays and on what draw dates.
- Receivables aging, with retainage listed on its own line.
- A work-in-progress schedule for open jobs.
- Business bank statements and the latest returns.
- A dealer quote for each machine, showing model year and hour meter.
A request that names who pays and when lets a reviewer see where the money comes from.
Contractor Business Loans in Florida for Specialty Trade Contractors
Building finishing contractors, the Census group for drywall, flooring, painting and finish carpentry, counted 372 employer establishments in Volusia County, FL in 2023, other specialty trades 199, plumbing and HVAC contractors 256 and electrical contractors 195 (County Business Patterns 2023). Specialty trades buy materials, pay crews and wait on the general contractor's draw, so the gap recurs on every job.
A construction line of credit draws for each job and pays down at each milestone.
Roofing Contractor Financing in Volusia County, FL
Roofing contractors counted 60 employer establishments in Volusia County, FL in 2023, 55.0% with fewer than five employees (County Business Patterns 2023). Roofers buy shingles, underlayment and metal in bulk before a job and finance trucks, trailers, lifts and dumpsters. A line fits the material buys; equipment financing fits the trucks and lifts.
A reviewer reads the job pipeline, how homeowners and insurers pay, and how long receivables sit.
Contractor Loans for Excavation and Site Crews
Nonresidential builders counted 66 employer establishments in Volusia County, FL in 2023 (County Business Patterns 2023). Site crews carry the heaviest machines, fuel and repair bills, and wait longest on large commercial payers. Machines go on equipment financing; fuel, repairs and wages between draws go on a line or a working capital loan.
Construction Working Capital for Volusia County, FL Builders and Subcontractors
Illustration only, invented figures: a 5-person crew earns an invented $27 an hour for 172 hours a month, a payroll of $23,220, and buys $26,500 in materials for the next phase: $49,720 out before the draw (our arithmetic). A working capital loan covers one such gap; a line covers it on every job.
A rough sizing method, invented figures: $1,800,000 in annual revenue with job costs at 70% of revenue and 50 days between paying costs and collecting means about $172,603 tied up in jobs at any time (our arithmetic).
Retainage on a Subcontract: A Worked Case
Illustration only, invented figures: 10% retained on a $180,000 subcontract is $18,000 earned but held until close-out (our arithmetic). Some funders count retainage toward a line's borrowing base at a reduced rate; some leave it out. List it separately, with the project and expected close-out date.
A Construction Business Loan Calculator Next to Permit Counts
The Building Permits Survey counted 4,553 new housing units authorized in Volusia County, FL in 2023, 3,403 in 2024 and 2,826 in 2025; 73.6% of the 2025 units were in single-unit buildings (our arithmetic). The series counts new homes only. Payments on any machine or line can be worked out with the standard installment formula, as in the examples above, before talking to a partner.
By Sableport Capital Group · Updated