Sprucewood Financial's industry notes are grouped by trade: kitchens and taverns, clinics and child care, builders and shops, plus dental practices, repair shops, stations, motels, crews, gyms and salons, grocers, service trades, professional firms and home health agencies. Seven industries have full pages, and any Silver Bow County business can send a request.
Dental Offices in Silver Bow County, MT: Chairs, Imaging and Buy-Ins
Offices of dentists had 24 employer establishments with 127 employees in Silver Bow County, MT in 2023, paying $6.4 million in wages, and 45.8% had fewer than five employees. A dental office finances operatory chairs, sterilization equipment and imaging, and a new dentist may buy into or buy out an existing practice. Chairs and imaging can secure their own loans or leases; a buy-in is a term loan read on the practice's collections. The equipment financing page compares leasing with buying for imaging units.
Auto Repair Shops in Butte, MT: Lifts, Scan Tools and Parts on Account
Automotive repair and maintenance had 20 employer establishments with 121 employees in Silver Bow County, MT in 2023, and the county also counted 35 repair businesses with no paid employees in 2024 (Census Bureau, Nonemployer Statistics 2024, a separate program). A shop's equipment, such as lifts, alignment machines and diagnostic scanners, finances against the equipment itself. Its timing gap comes from parts and wages paid before insurance or fleet invoices are settled, which is a working capital question.
Gas Stations in Silver Bow County, MT: Dispensers, Coolers and Station Purchases
Gasoline stations had 19 employer establishments with 308 employees in Silver Bow County, MT in 2023, paying $9.5 million in wages. A station's big purchases are dispensers, tanks, canopies and store coolers, and buying a station outright brings the fuel supply contract and any environmental history into the file. A partner reads fuel and store sales separately, because fuel margins and store margins differ. A station purchase is a term loan question; store coolers are equipment.
Hotels and Motels Around Butte, MT: Room Refreshes, Linens and Payroll
Traveler accommodation had 15 employer establishments with 538 employees in Silver Bow County, MT in 2023, with $12.4 million in payroll. A motel's funding needs are room refreshes (beds, televisions, flooring), laundry equipment and wages in quieter months. Refresh furniture carries little resale value, so a partner reads occupancy and deposits more than the furniture. Buying a property with its business is a real estate loan as well as a business loan; ask which lender handles each part.
Landscaping and Janitorial Crews in Silver Bow County, MT: Mowers, Vans and Contracts
Landscaping services had 15 employer establishments and janitorial services 16 in Silver Bow County, MT in 2023 (Census Bureau, County Business Patterns 2023). Both run on crews, vehicles and machines: mowers and trailers for one, floor machines and vans for the other. Both bill customers after the work, monthly or by contract, so wages go out before the money comes in. Equipment finances against itself; the wage gap is a line of credit or working capital request read on the contracts.
Gyms and Salons in Butte, MT: Equipment Against Dues and Chair Rent
Fitness and recreational sports centers had 9 employer establishments with 114 employees in Silver Bow County, MT in 2023, and beauty salons 8 employers; a separate program counted 108 beauty salons with no paid employees in 2024 (Census Bureau, Nonemployer Statistics 2024). A gym's purchases are cardio machines, racks and flooring, weighed against monthly dues. A salon's are chairs, sinks and a build-out, weighed against service and chair-rent income. Both can finance equipment on its own terms.
Grocery Stores in Silver Bow County, MT: Refrigeration and Weekly Stock
Silver Bow County, MT counted 7 grocery store employers in 2023; together they employed 194 people and paid them $7.2 million. A grocer's funding sits in refrigeration that runs around the clock, stock that turns every week and a large payroll for the number of stores. Coolers and freezers can be financed as equipment; stock is better handled by a line of credit or supplier terms, because perishable goods make weak collateral.
Service Vans and Parts Stock: Plumbing, HVAC and Electrical Shops in Silver Bow County, MT
Plumbing, heating and air-conditioning contractors had 17 employer establishments and electrical contractors 9 in Silver Bow County, MT in 2023 (Census Bureau, County Business Patterns 2023). Service trades carry vans stocked with parts and equipment for every call, and they bill after the job. Vans and tools finance as equipment, and parts stock fits a line of credit. The construction business loans page covers specialty trades in more depth, including retainage on larger jobs.
Accountants, Insurance Agencies and Law Offices in Butte, MT: Book Purchases and Build-Outs
Accounting and tax preparation firms had 18 employer establishments, insurance agencies 17 and legal services 15 in Silver Bow County, MT in 2023 (Census Bureau, County Business Patterns 2023). Offices like these buy another firm's client book or a retiring partner's share, fit out office space, and wait between doing work and collecting fees. A book purchase is read on the seller's billing history and client retention; a term loan matches it.
Engineering, Architecture and Consulting Firms in Silver Bow County, MT
Architectural, engineering and related services had 19 employer establishments with 226 employees in Silver Bow County, MT in 2023, and management, scientific and technical consulting firms 22 (Census Bureau, County Business Patterns 2023). These firms sell time, so their funding need is the gap between paying staff and collecting on invoices, sometimes from public clients with long payment cycles. A partner reads the receivables aging and the contracts behind it; a line of credit sized to receivables suits the gap.
Home Health Agencies in Silver Bow County, MT: Billing Gaps and Vehicles
Home health care services had 11 employer establishments with 107 employees in Silver Bow County, MT in 2023 (Census Bureau, County Business Patterns 2023). An agency pays caregivers weekly or every two weeks, while payers settle claims on their own schedule, and caregivers drive between visits in their own or agency vehicles. The wage gap is a working capital or credit line request read on the claims aging; vehicles finance as equipment.
By Sprucewood Financial · Updated
