Franklin County, PA had 302 construction employer establishments in 2023 (County Business Patterns); building construction loans and real estate purchases are outside this site.
A repair invoice is an operating cost for working capital; a used concrete mixer and a crew van can go on equipment terms; rental invoices may suit a short credit line draw. Franklin County, PA counted 302 construction employer establishments in 2023 (CBP), and 1,033 new housing units were authorized by permit in 2025 (BPS).
At a glance
- Construction (NAICS 23), Franklin County, PA
302 employer establishments (CBP 2023)
- Specialty Trade Contractors (NAICS 238), Franklin County, PA
186 employer establishments (CBP 2023)
- Construction, ZIP 17201
39 employer establishments (ZBP 2023)
- New housing units authorized by building permits, Franklin County, PA
1,033 (BPS 2025)
What a Funding Partner May Look at Before Covering an Equipment Repair for a Chambersburg, PA Contractor
A machine that is down for repair still has jobs waiting for it. Because a repair adds nothing a partner can hold as collateral, it is an operating cost, and a partner may weigh the business itself more than the machine.
- The shop's repair invoice or estimate, with the machine and the work named
- The jobs the machine is booked for once it is running again
- Recent business bank statements and the time in business
- Any loan or lease already secured by the same machine
In an invented case, a Chambersburg, PA excavation contractor's backhoe loader needs a hydraulic pump rebuild and new hoses, an invented $8,740 invoice. On a working capital loan at an invented 14.4% annual rate over nine months, that comes to $1,030.30 a month; the nine payments total $9,272.70, so the invented interest is $532.70.
Used Concrete Mixers for a Franklin County, PA Contractor: Inspections and Terms
A towable concrete mixer lets a small crew pour footings and pads without ordering ready-mix for every small pour. In an invented case, a Franklin County, PA masonry contractor finds a used towable mixer at a dealer for $11,850.
On equipment financing at an invented 10.95% annual rate over 36 months, the invented $11,850 mixer costs $387.67 a month. Across the term that is $13,956.12 paid, $2,106.12 of it invented interest. A partner may offer a shorter term on a used mixer than on a new one and may ask for its serial number and hours.
- Drum and paddles: wear, cracks and buildup inside
- Engine or motor hours and service records
- Gearbox, ring gear and drum bearings
- Tires, hitch, lights and the title or registration for road towing
Builders and Trade Contractors in Franklin County, PA: Establishment Counts and Housing Permits
In 2023 County Business Patterns found 2,459 paid employees and $150.1 million of annual payroll across the 302 construction employer establishments in Franklin County, PA. Fewer than five people worked at 190 of those 302 locations, or 62.9%, so small outfits are the majority. The sector also includes heavy and civil engineering firms, so its parts below do not cover all 302.
| Census industry | Employer establishments | Fewer than 5 employees |
|---|---|---|
| Specialty trade contractors (238) | 186 | 114 (61.3%) |
| Construction of buildings (236) | 103 | 72 (69.9%) |
| Residential building construction (2361) | 84 | 65 (77.4%) |
| Plumbing, heating and air-conditioning contractors (238220) | 45 | 28 (62.2%) |
| Other specialty trade contractors (2389) | 40 | 19 (47.5%) |
| Building finishing contractors (2383) | 36 | 26 (72.2%) |
Housing permits show the residential side. New privately owned units authorized in Franklin County, PA ran 737 in 2023 and 623 in 2024, then 1,033 in 2025, by the Census Bureau's Building Permits Survey. Of the 2025 total, single-unit buildings took 576 units and buildings of five or more units 375.
Two more counts stand apart from that table. ZIP 17201, the office ZIP, held 39 construction employer establishments in the 2023 ZIP Code Business Patterns. Builders and tradespeople working with no employees show up in Nonemployer Statistics instead: 1,270 of them in Franklin County, PA for 2024.
A Crew Van on Equipment Financing for a Chambersburg, PA Finish Contractor
A painting or drywall crew carries ladders, sprayers and materials to every job, and a work van is equipment for that business. An invented Chambersburg, PA finish contractor orders a cargo van with a ladder rack and shelving installed by the dealer, an invented $43,600 on the dealer invoice.
Over 60 months at an invented 9.15% annual rate, the invented van costs $908.24 a month, and the 60 payments total $54,494.40, so the invented interest is $10,894.40. A partner may take the van's title as collateral and may ask for the dealer's buyer's order with the VIN.
Insurance, registration and fuel for the van are running costs that stay outside the equipment request.
Term Loan or Credit Line for Equipment Rental Invoices? A Franklin County, PA Contractor View
Rented equipment is billed whether or not the job has paid yet. An invented Franklin County, PA contractor rents a scissor lift and a trench compactor for a month-long job, and the rental yard's invoices come to $6,300.
Drawn on a business line of credit at an invented 12.25% annual rate and paid down by $3,150 at the end of each of two months, the invented draw costs $64.31 of interest in the first month and $32.16 in the second, $96.47 in all. The same $6,300 as a six-month term loan at an invented 13.5% annual rate runs $1,091.73 a month, with the six payments totaling $6,550.38 and $250.38 of invented interest.
In this invented comparison the line costs $153.91 less in interest because the balance is gone in two months, while the term loan spreads the cost into smaller fixed payments. Which suits a contractor depends on how soon the cash to pay the invoices comes in. Other crews and shops are on the trade list.
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