Ivyhollow Lending Group helps Marshalltown, Iowa contractors request construction business loans, equipment financing and working capital and passes each request to funding partners, who decide.
At a glance
- Construction, Marshall County, IA
Construction, Marshall County, IA: 93 employer establishments, 475 paid employees (CBP 2023)
- Specialty trade contractors, Marshall County, IA
Specialty trade contractors, Marshall County, IA: 68 employers, 51 with fewer than five employees (CBP 2023)
- Construction without employees, Marshall County, IA
Marshall County, IA construction businesses without paid employees: 289 (Nonemployer Statistics 2024)
- Housing units permitted, Marshall County, IA
Marshall County, IA new housing units authorized by permit: 33 in 2025 (BPS)
Contractor Business Loans for Marshalltown, IA Contractors Buying Work Trucks
A work truck carries the crew, the tools and the trailer to every job, and it is one of the largest purchases a small crew makes. Construction employers in Marshall County, IA had $33.2 million of annual payroll in 2023 across 93 establishments, and 68 of the 93 had fewer than five employees (County Business Patterns).
Illustration only, invented figures: a three-quarter-ton pickup with a utility bed priced at $52,000, financed at an invented annual rate of 8.9% over 60 months, comes to about $1,077 a month and about $64,615 in total, with about $12,615 of invented interest. Bed, rack and toolbox upfits bought from a separate shop can go in the same request if the quote lists them.
A partner reviewing a truck request may ask for the dealer quote, the business's bank statements and proof that the truck is titled to the business or used in it.
Construction Equipment Financing for Marshalltown, IA Contractors Buying Excavators
Mini and midsize excavators dig footings, trench for utilities and clear sites. Marshall County, IA had 20 foundation, structure and building exterior contractors in 2023, 9 of them poured concrete contractors (County Business Patterns, NAICS 2381 and 238110); footings and foundations start with digging.
Construction equipment financing lends against the machine. The partner can look at its age and hours, the dealer or auction source, and how the crew's work will pay for it. The equipment financing page has an invented compact loader example and compares a loan with a lease.
Heavy Equipment Financing for Marshalltown, IA Contractors Buying Skid Steers
Skid steers and compact track loaders move material on site work, grading and demolition. A used machine can be financed; the partner may ask for the hour meter reading, a recent inspection and a photo of the serial plate, and it may set a shorter term than for a new machine.
- Get the quote in writing, including attachments such as buckets, forks or a grapple.
- Note whether the seller is a dealer, an auction or a private party.
- Have two or three months of bank statements and the latest tax return ready.
- Know whether the machine replaces one that still has a balance owed.
Heavy Equipment Financing Terms: Notes for Marshall County, IA Contractors
Heavy equipment financing terms are set by each partner and written into the agreement. They are not standard, and this site does not quote typical figures. What a Marshall County, IA contractor can do is read every offer for the same points:
- The term in months, and whether it fits the working life of the machine.
- Any down payment or first and last payment due at signing.
- Whether the schedule is level or includes a larger final payment.
- Whether payments can vary by month for a crew whose work slows at some point in the year.
- Prepayment terms if the machine is sold or paid off early.
- Insurance the partner requires on the machine, and who holds the title until payoff.
Plumbing Contractor Business Loans: How a Marshalltown, IA Owner Pays for Service Vans
A plumbing or HVAC shop runs out of its vans. Marshall County, IA had 9 plumbing, heating and air-conditioning contractor employer establishments in 2023, with 105 paid employees and $6.1 million of annual payroll (County Business Patterns, NAICS 238220).
Illustration only, invented figures: a cargo van at $46,000 plus $9,000 of invented shelving, ladder racks and a parts cabinet, $55,000 in all, financed at an invented annual rate of 9.5% over 60 months, comes to about $1,155 a month and about $69,306 in total, by our arithmetic. The invented upfit is a softer cost than the van itself; ask whether the partner includes it.
Fittings and fixtures bought for a job before the customer pays fit a line of credit or working capital loan rather than the van loan.
Marshall County, IA Construction Employers, Crews and Payroll in the Census Count
| Subsector (NAICS) | Employer establishments | Paid employees | Annual payroll |
|---|---|---|---|
| All construction (23) | 93 | 475 | $33.2 million |
| Construction of buildings (236) | 14 | 66 | $3.8 million |
| Specialty trade contractors (238) | 68 | 266 | $17.1 million |
The other 11 construction establishments are in heavy and civil engineering construction (NAICS 237), by our arithmetic from the table. Within the specialty trades, building equipment contractors (2382) and foundation, structure and exterior contractors (2381) numbered 20 each, building finishing contractors (2383) 15 and other specialty trade contractors (2389) 13; 10 of the 20 building equipment contractors were electrical contractors (238210).
Nonemployer Statistics, a separate program, counted 289 Marshall County, IA construction businesses without paid employees in 2024. The Building Permits Survey recorded 33 new housing units authorized in the county in 2025, 37 in 2024 and 94 in 2023, counting every unit authorized. The Marshalltown, IA business page sets the crew counts beside the rest of the county's employers.
By Ivyhollow Lending Group · Updated
