Orchardshore Advances matches contractor financing requests from Cleburne, Texas builders and trades with funding partners. This page covers equipment, payroll between draws, retainage, builder lines versus construction loans, county housing permits and the specialty trades in the Census counts.
At a glance
- Construction employers, Johnson County, TX
544, the most of any sector (CBP 2023)
- Construction employees and payroll
4,876 employees, $323.9 million (CBP 2023)
- Construction businesses without paid employees
3,373 (Nonemployer Statistics 2024)
Construction Equipment Financing for Johnson County, TX Builders and Site Crews
Skid steers, mini excavators, telehandlers, trenchers, concrete equipment, dump trailers and work trucks are the machines a builder finances. The machine secures the loan or lease, so a partner focuses on the quote, the hours on a used unit, and whether the contractor's jobs keep it busy. Equipment financing in Cleburne, TX covers loans and leases in detail.
Johnson County, TX construction ran 544 employer establishments in 2023, carrying 4,876 employees and $323.9 million in yearly payroll (County Business Patterns). Of them, 130 were building contractors, 369 specialty trade contractors and the remaining 45 heavy and civil engineering firms (our arithmetic). 340 of the 544, 62.5%, had fewer than five employees.
Business Loans for a Construction Company Carrying Payroll Between Draws
A builder pays framers, electricians and suppliers as work progresses, and collects from draws that follow inspections and paperwork. Each draw cycle leaves a gap. A line of credit is drawn for payroll and materials and paid down when the draw funds; partners look at the contract, the draw schedule and the contractor's history of collecting.
How to Get Funding for a Construction Company With Draw Schedules and Retainage
- Pull the contracts for jobs in progress, with the schedule of values and draw dates.
- List retainage held on each job and when it is due to be released.
- Prepare a work-in-progress schedule showing billed, collected and remaining amounts.
- Collect recent bank statements and the most recent return.
- Send the request with the purpose stated: equipment, materials, payroll or a mix.
Illustration only, invented figures: on a $120,000 commercial subcontract with 10% retainage, $12,000 stays with the general contractor until the job closes out (our arithmetic). That money has been earned and spent on labor and materials, but it is not in the bank; a line of credit can carry it.
Builder Line of Credit vs a Construction Loan on a Single House
A construction loan finances one project, such as a house or building, and is secured by the property; funds are released in draws as the work is inspected. A builder line of credit is a revolving limit for the business itself, used across jobs for materials, payroll and deposits. Orchardshore does not arrange real estate construction loans; a builder line, working capital and equipment financing are within its six funding types.
New Housing Units Permitted in Johnson County, TX, Year by Year
| Year | Units authorized |
|---|---|
| 2023 | 2,527 |
| 2024 | 2,183 |
| 2025 | 2,356 |
Of the 2,356 units authorized in 2025, 1,952 were single-family homes and 392 were in buildings with five or more units. These are residential permits only; commercial work and remodels are not in them.
Electricians, Plumbers and Roofers in the Johnson County, TX Trade Counts
| Trade | Employer establishments | Employees | Share under 5 employees |
|---|---|---|---|
| Plumbing, heating and air-conditioning | 88 | 702 | 50.0% |
| Electrical contractors | 70 | 599 | 62.9% |
| Other specialty trades | 61 | 398 | 59.0% |
| Roofing contractors | 47 | 141 | 80.9% |
| Building finishing | 47 | 300 | 70.2% |
Residential remodelers numbered 48 and new single-family home builders 42. Plumbing and HVAC contractors have their own page, and the materials article follows a roofer, an electrician and a plumber through a job.
Surety Bonds, Insurance Certificates and a Contractor's Funding File
Commercial jobs can require performance and payment bonds, and a surety reviews the contractor's finances much as a funding partner does. Taking on new debt can affect bonding capacity, so a contractor with bonded work should tell both the surety and the partner about the other. Certificates of insurance and the contractor's general liability and auto policies may also be requested for equipment financing, since the partner wants its collateral insured.
What Nonemployer Statistics Add for One-Person Crews
Nonemployer Statistics, a separate Census program, counted 3,373 construction businesses without paid employees in Johnson County, TX for 2024, with $356.2 million in receipts: 902 in building construction and 2,411 in specialty trades. Owner-operators like these send requests too; partners read their bank statements and independent-contractor income statements where a larger firm would show payroll records. A one-truck roofer or a solo electrician with steady deposits and a clear purpose, such as a trailer or a tool package, presents a plainer request than a vague one for general growth, and the purpose decides which funding type and partner fit.
By Orchardshore Advances · Updated