Orchardmark Financial, a small-business funding broker in Scranton, Pennsylvania, matches Lackawanna County businesses in construction, restaurants, medical and dental care, and retail with funding structures suited to their cash cycles. Census counts for each sector are below. Each credit decision, rate and term belongs to the lending partner.
How Lackawanna County, PA employers break down
Lackawanna County had 5,198 employer establishments in 2023. The four sectors our partners fund account for a large share: 809 in retail trade, 538 food service and drinking places, 530 ambulatory health care offices such as physician and dental practices, 457 in construction and 218 in wholesale trade (U.S. Census Bureau, County Business Patterns 2023). Health care and social assistance as a whole had the most establishments, 810, and the largest payroll, about $1.19 billion.
Fitting the funding to the sector
| Sector | Typical cash gap | Structures that often fit |
|---|---|---|
| Construction | Labor and materials before a draw is paid | Working capital, credit lines, equipment financing |
| Restaurants | Daily supplier bills, equipment failures, refits | Equipment financing, then working capital or a term loan |
| Medical and dental | Payroll while claims are processed; costly equipment | Equipment financing, credit lines, term loans |
| Retail and wholesale | Stock bought before it sells | Inventory financing, credit lines |
These are starting points, not rules. The purpose of the money decides the structure; the sector mostly decides the timing.
Contractors and the specialty trades
Two-thirds of the county's construction employers are specialty trade contractors such as electricians, plumbers and roofers. Contractor and construction financing covers equipment, draws and gaps between progress payments.
Restaurants and food service
Of 538 food service and drinking places with employees, 440 are restaurants and other eating places. Restaurant and food service financing covers kitchen equipment, payroll and refits.
Medical and dental practices
The county had 197 physician offices and 83 dental offices with employees in 2023. Medical and dental practice financing covers imaging, chairs, suites and claim timing.
Retailers and wholesalers
Retail trade had 809 employer establishments and 11,867 paid employees in 2023, and wholesale trade 218 and 4,044 (U.S. Census Bureau, County Business Patterns 2023). Until a dedicated retail page is published, inventory financing covers how stock purchases are funded.
Businesses outside these sectors
If your business is outside these four sectors, call before preparing anything; some partners may still review it, others will not. We do not take agriculture or trucking requests. County-wide context is on the county numbers page.
By Orchardmark Financial · Updated
