Ledgecrest Lending takes a request by phone or the request form and passes it to funding partners, who decide whether to offer working capital, a term loan, a line of credit, inventory or equipment financing, or a merchant cash advance.
Restaurants and lodging in Richmond, KY: kitchen lines, laundry rooms and housekeeping linens
Kitchen lines, front-desk gear, laundry machines and housekeeping linens: the costs of serving meals and running a hotel. The restaurant page prices a barbecue smoker, a grab-and-go case and the wages of a new breakfast shift.
Restaurant loans in Richmond, KY: a barbecue smoker and holding cabinet, a grab-and-go case, breakfast-shift payroll and Madison County kitchen counts.
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Hotels and motels restocking linens, towels and housekeeping carts
Sheets, towels and housekeeping carts wear out on their own schedule, and a hotel or motel may reorder them in one batch. That order can be spread over several months as working capital, or paid from a line of credit drawn when the invoice arrives and paid down from room revenue. Traveler accommodation (NAICS 7211) counted 24 employer establishments in Madison County, KY in 2023, and 9 of them had fewer than five employees (County Business Patterns).
Madison County, KY stores, gas station shops and beauty salons
Shelves, coolers, registers and salon equipment for businesses that sell goods or services across a counter. Store cases, from an e-bike order to a closeout lot, are on the retail page. The gas station page covers the store side only, with hot-food equipment and aisle stock.
Gas station financing in Richmond, KY for the store: a roller grill, display case and oven, automotive-aisle stock paid down monthly, and county station counts.
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Beauty salons replacing hooded dryers and adding a booking system
A beauty salon that swaps out aging hooded dryers and moves its appointments onto a booking system with a card reader is paying for equipment and software, not stock. Equipment financing can cover the dryers, with the dryers themselves as security, while a short working capital term can take the software setup charge and the card reader. County Business Patterns counted 12 beauty salons with a payroll in Madison County, KY in 2023 (NAICS 812112), half of them with fewer than five employees.
Exam rooms, operatories, treatment tables and child care rooms around Richmond, KY
Exam and treatment equipment, practice software and payroll, plus equipment for rooms where children spend the day. Separate pages cover physician offices (a digital X-ray retrofit, monitors, a vaccine refrigerator) and dental offices (a chairside mill, a panoramic unit, a handheld X-ray and intraoral cameras). Chiropractic and therapy offices have a page with a hydromassage bed, an isokinetic testing system and supports sold to patients.
Medical practice loans in Richmond, KY: a digital X-ray retrofit, six vital-signs monitors, a vaccine refrigerator and Madison County physician office counts.
Dental office loans in Richmond, KY: a chairside mill with software, a panoramic X-ray unit, a handheld X-ray unit and cameras, and Madison County dentist counts.
Chiropractic practice loans in Richmond, KY: a hydromassage bed and recovery boots, an isokinetic system, resale supports on a line and county office counts.
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Child day care providers pricing indoor climbers, a laundry pair and check-in tablets
Equipment in infant and toddler rooms takes daily wear: indoor climbers and mats, the washer and dryer that handle bibs and crib sheets, and the tablets teachers use for check-in. A child day care provider replacing a set of it can ask about equipment financing, or about a working capital term when the order mixes equipment with art supplies. High chairs, changing tables, toddler tables and cubbies count as furniture and stay outside this site. In Madison County, KY, child day care services (NAICS 624410) had 18 employer establishments and 321 paid employees in 2023, according to County Business Patterns.
Contractors, landscapers, repair shops, plants and cleaning crews in Madison County, KY
Machines, materials and crew wages for trades that work on job sites, in repair shops and on plant floors. Four trades in this group have their own pages: contractors, with a floor grinder and a conveyor trailer; auto repair shops, with a brake lathe, tire machines and a compressor; landscaping, with turf machines, hardscape tools and a second crew pickup; and manufacturing, with a waterjet cutting table and a tube bender.
Financing for contractors in Richmond, KY: a floor grinder and dust extractor, a roofing conveyor trailer at two terms, and Madison County contractor counts.
Auto repair shop loans in Richmond, KY: a brake lathe, tire changer and balancer, a shop compressor, a bulk oil and filter order and Madison County shop counts.
Landscaping equipment financing in Richmond, KY: a turf renovation package, hardscape tools on two products, a second crew cab pickup and county crew counts.
Manufacturing equipment financing in Richmond, KY: a waterjet table with a deposit at order, a tube bender priced per part and Madison County counts.
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Janitorial companies adding floor scrubbers and burnishers
A janitorial company that adds a contract with large hard floors may need a walk-behind auto scrubber and a battery-powered burnisher before the first night on that contract. Equipment financing can spread the two machines over a term a funding partner sets, with the machines as security, and payroll for the added crew until the contract's first invoice is paid is a working capital question. Madison County, KY had 10 janitorial services establishments with employees in 2023 (CBP, NAICS 561720), 5 of them with fewer than five.
Real estate offices, accounting firms and fitness centers in Richmond, KY
Computers, software and payroll for offices that sell their expertise, and machines for centers that sell memberships. Two office trades have pages of their own: real estate agents, with a drone kit and lockboxes, and accounting and payroll firms, with a pressure sealer and field instruments for consultants.
Business loans for real estate agents in Richmond, KY: a drone and 3D camera kit priced per listing, lockboxes leased or financed, and county office counts.
Accounting firm loans in Richmond, KY: a pressure sealer and check printer for payroll work, consulting field instruments, and Madison County firm counts.
Plate-loaded strength machines, such as a leg press, a hack squat and a chest press, are equipment a fitness center can ask to finance one at a time or as a package, with the machines as security. A center adding three machines may want the new payment set beside any payments it already makes on cardio machines before it signs. Fitness and recreational sports centers (NAICS 713940) in Madison County, KY counted 10 employer establishments and 119 paid employees in 2023 (County Business Patterns).
In short
Madison County, KY payroll and size counts for 13 trades (CBP 2023), an invented industrial machinery repair shop that sizes a working capital term to a new contract's payroll, the costs this site leaves out, and five trade groups with short notes on hotels, salons, child care, cleaning crews and fitness centers.
Payroll at Madison County, KY gas stations, sit-down restaurants and plants: where industry-specific funding starts
A trade's payroll total shows how much it pays out in wages over a year, which is one reason the same funding product can be a small cost for one trade and a large one for another. County Business Patterns counted the totals below for Madison County, KY in 2023; each is the sum across every employer establishment in that code, not what a single business pays.
Selected Madison County, KY trades: employer establishments, share with fewer than 5 employees and annual payroll, 2023 (County Business Patterns; gasoline stations are also counted inside retail trade)
Trade (NAICS)
Establishments
Fewer than 5 employees
Annual payroll
Full-service restaurants (722511)
50
34.0%
$23.2 million
Limited-service restaurants (722513)
70
14.3%
$33.2 million
Offices of physicians (6211)
56
39.3%
$59 million
Offices of dentists (6212)
32
50.0%
$10.1 million
Offices of other health practitioners (6213)
61
62.3%
$15.6 million
Retail trade (44-45)
294
43.5%
$163 million
Gasoline stations (4471)
53
45.3%
$25.1 million
Construction (23)
181
61.3%
$75.8 million
Automotive repair and maintenance (8111)
42
52.4%
$8.2 million
Landscaping services (561730)
31
83.9%
$3.2 million
Manufacturing (31-33)
69
26.1%
$299.9 million
Offices of real estate agents and brokers, NAICS 5312
37
97.3%
$2.2 million
Accounting, tax preparation, bookkeeping and payroll services, NAICS 5412
32
75.0%
$4.8 million
Manufacturing carries the largest payroll in the table, $299.9 million across 69 establishments. Landscaping services sit near the other end with $3.2 million across 31 establishments, 83.9% of them with fewer than five employees. A plant's request can be about a machine or a large supplier bill; a small landscaping crew's can be about a mower or the weeks between a finished job and its check.
Payroll before a contract pays: industry-specific funding for a Madison County, KY machinery repair shop
Illustration only, invented figures: a Richmond, KY industrial machinery repair shop adds two technicians for a plant maintenance contract, at $4,620 of added wages every two weeks. It invoices the plant at the end of the first month, and the plant pays 45 days after that, so about 75 days pass before the contract's first payment arrives.
Depending on where the paydays fall, 5 or 6 biweekly payrolls land inside those 75 days, $23,100 to $27,720 of added wages in this invented case. A six-month working capital term sized to the larger figure, $27,720 at a 14.1% annual rate, runs $4,811.85 a month; the six invented payments total $28,871.10, so $1,151.10 is interest.
The loan's first payment can come due about 30 days in, before the plant's first payment, so it belongs in the same cash count. A shop with an open line of credit could draw for each payroll instead and pay the draws down as the plant pays. Commercial and industrial machinery and equipment repair and maintenance (except automotive and electronic) counted 5 employer establishments and 93 paid employees in Madison County, KY in 2023 (County Business Patterns, NAICS 811310).
Different funding products, and the Richmond, KY costs Ledgecrest Lending leaves out
Some costs stay outside all six. Ledgecrest Lending arranges no funding for trucking companies or agriculture, and in Richmond, KY real estate, building construction loans and work on the property itself stay outside every request as well. At a gas station, the store side (shelving, coolers, registers, stock) can be the subject of a request; everything on the fuel side stays out. A business with no sales history yet is outside the site too.
Owners whose trade is not in these groups can still call about a cost. The Richmond, KY page sorts Madison County, KY employers by size class, from 1 to 4 employees up to 250 to 499.
By Ledgecrest Lending ยท Updated
Your Trade, Your Cost: Call Ledgecrest Lending in Richmond, KY
Call (859) 461-8654 to talk through a trade's cost, or send the request form; any offer comes from a funding partner.
