The 2023 County Business Patterns file lists 191 establishments under Construction (NAICS 23) for Tooele County, UT, more than three in four with fewer than five employees.
Construction money in Tooele, UT splits into machines and timing gaps. Equipment financing fits work trucks, skid steers and mini excavators; working capital fits crew wages while a pay application waits. Each request goes to a funding partner, and that partner sets any terms.
At a glance
- Construction (NAICS 23), Tooele County, UT
191 employer establishments (CBP 2023)
- Construction establishments with fewer than five employees, Tooele County, UT
77.5% (CBP 2023)
- Construction businesses without paid employees, Tooele County, UT
539 (Nonemployer Statistics 2024)
- New housing units authorized by permit, Tooele County, UT
523 in 2025 (Census BPS)
Contractor Business Loans: Work Trucks and Progress-Billing Gaps
A contractor's money question comes in one of two shapes. The first has a serial number: a three-quarter-ton work truck, a dump trailer, a skid steer. That belongs in an equipment financing request built on the dealer's quote, because the truck or machine itself can secure the payments. The second shape is time. A framing or concrete crew bills the general contractor by pay application, the draw is released weeks later, and retainage can hold back part of each bill until the job closes. Wages, fuel and supplier accounts keep their own calendar, and progress-billing gaps like that are working capital territory.
Illustration only, invented figures: a framing crew with a $11,600 biweekly payroll submits a pay application and waits 45 days for the draw. That wait swallows 3 or 4 paydays, the count turning on which day the first one lands, which puts $34,800 to $46,400 of wages on the crew's own account before the check clears. That range, the pay application and the contract are the papers a partner would want to see.
Work trucks are titled vehicles, so a partner can ask for the VIN or the dealer's buyer's order along with the price. A pickup or a flatbed that carries tools and material to the job is equipment; hauling freight for hire is outside this site.
Construction Equipment Financing When a Tooele, UT Contractor Needs Skid Steers
A skid steer earns its keep on grading, cleanup and moving pallets of block, and the attachments (a bucket, pallet forks, an auger, a trencher) can add a good share to the price. A request names the machine and each attachment as they appear on the quote, gives the hour reading if the unit is used, and says whether a dealer or a private seller is on the other side.
Illustration only, invented figures: a $68,500 tracked skid steer with a bucket and forks, financed over 60 months at an annual rate of 8.75%, carries a monthly payment of $1,413.65. The 60 installments total $84,819.00; the $16,319.00 beyond the price is what spreading it out costs in this example.
On a used machine, a partner can weigh the hour meter, the model year and a third-party inspection before it sets a term, and it can set a shorter term on an older unit. Rate and term on a real request come from the partner, not from this page.
Business Loans for Contractors: What Tooele, UT Contractors Should Know
County Business Patterns puts 191 establishments under Construction (NAICS 23) in Tooele County, UT for 2023, a sector code that also takes in heavy and civil engineering work. Their combined 2023 payroll was $44.2 million, spread over 842 paid employees, and small outfits dominate: 77.5% of the 191 kept fewer than five people on staff. For a crew that small, the owner's bank statements, signed contracts and the equipment quote carry much of the review.
| Code and title | Establishments | Fewer than five employees |
|---|---|---|
| Residential Building Construction (NAICS 2361) | 38 | 31 (81.6%) |
| Nonresidential Building Construction (NAICS 2362) | 8 | 6 (75.0%) |
| Poured Concrete Foundation and Structure Contractors (NAICS 238110) | 16 | 10 (62.5%) |
| Electrical Contractors and Other Wiring Installation Contractors (NAICS 238210) | 18 | 13 (72.2%) |
| Plumbing, Heating, and Air-Conditioning Contractors (NAICS 238220) | 28 | 21 (75.0%) |
| Building Finishing Contractors (NAICS 2383) | 28 | 26 (92.9%) |
Separately, 2024 Nonemployer Statistics counted 539 Construction establishments with no paid employees in Tooele County, UT. By the Census Building Permits Survey count, home building in the county slowed: 523 new housing units were authorized in 2025 after 897 in 2024. A builder whose next start hinges on a permit can show the partner where that permit stands, along with the signed contract.
Wider employer counts sit on the Tooele County, UT business figures page, and the industries overview has short notes on electricians, finishing crews and concrete contractors.
Financing for HVAC Contractors When a Tooele, UT Contractor Needs Mini Excavators
Mini excavators are not only for excavation outfits. An HVAC or plumbing contractor that trenches for a gas line, a water service or a condensate drain rents one again and again, and at some point the rental bills pass what a payment would cost. That comparison is worth running before the call.
Illustration only, invented figures: renting a mini excavator at $1,350 a week for 14 weeks a year comes to $18,900. Financing a $59,000 unit over 48 months at an annual rate of 9.5% means $1,482.27 a month, or $17,787.24 for a year of payments, which leaves the rental bill $1,112.76 higher. The comparison leaves out fuel, hauling, insurance and resale value, which the contractor adds from its own books.
The plumbing and HVAC trade has its own page, plumbing and HVAC contractor funding, with the county count for that code, pipe cameras, van upfits and technician payroll.
By Laurelmont Commercial Capital ยท Updated
