Willowharbor Credit, a small-business funding broker in Bloomington, Illinois, matches McLean County businesses in four partner-confirmed sectors to funding structures: construction, restaurants, medical and dental practices, and retail. County Business Patterns 2023 counts for each sector are below; lending partners make every credit decision.
Four sectors in McLean County, IL
Partners have confirmed they work with these sectors. In McLean County in 2023 there were 289 construction employer establishments, 370 food services and drinking places, 259 ambulatory health care establishments (including physician and dental offices), and 496 retail trade establishments (U.S. Census Bureau, County Business Patterns 2023). We do not work on agriculture or trucking requests.
| Sector | Often asks about | Why |
|---|---|---|
| Construction | Machines and vans; job-gap working capital; revolving lines | Machines and vehicles; crews paid before progress payments arrive |
| Restaurants | Equipment financing, working capital | Kitchen equipment; weekly payroll and food costs |
| Medical and dental | Clinical equipment, suite term loans, claims-gap working capital | Clinical equipment, fit-outs, the wait for insurers |
| Retail and wholesale | Inventory financing, or a revolving line for smaller orders | Stock bought before it sells |
Construction and the specialty trades
Of the county's 289 construction employers, 199 were specialty trade contractors and 85 built structures; 59.5 percent of all construction employers had fewer than five employees. Contractor and construction financing covers progress payments, equipment and lines of credit.
Restaurants and food service
Food services and drinking places employed 7,502 people in the county's March 2023 pay period, more than construction and outpatient health care combined. Restaurant financing covers kitchen equipment, opening costs and payroll gaps.
Medical and dental practices
The county had 70 physician offices and 58 dental offices with employees in 2023, within 259 ambulatory health care establishments. Medical and dental practice financing covers clinical equipment and the insurer-payment gap.
Retail and wholesale stock
Retail trade had more employer establishments than any other sector in McLean County in 2023 (496), and wholesale trade added 176. Retail does not have its own page yet; stock-holding businesses should start with inventory financing.
Figures for the whole county
For employer size classes, ZIP code data and self-employment, see the Bloomington, IL page.
By Willowharbor Credit · Updated