About Ledgehill Lending: Business Loans for Naples, FL Finish Contractors

Business funding through Ledgehill Lending runs in four moves, and a tile or cabinet installer makes a clear example. The first move is a call to (239) 421-3696, or the request form for an installer who would rather start online. On the call, the installer explains the cost: a cabinet order that a builder pays for only after installation, a second work van, or crew payroll while a large job waits on its final draw. The office matches that cost to a funding type (a credit line for repeating material orders, equipment financing for the van, working capital for the payroll gap) and passes the request to funding partners. Any partner interested in the request then sets its own list of records, checks them in its own way and comes back with terms in writing or a no. Nothing binds the installer until an agreement is signed.

In a finish shop with a handful of people, the owner's own statements and returns carry the whole review, so the call settles the amount and the records before anything goes to a partner. Of the 553 building finishing contractor establishments that County Business Patterns counted in Collier County, FL for 2023 (NAICS 2383: drywall, flooring, tile, painting, finish carpentry and similar trades), 390 had fewer than five employees, 70.5% by our arithmetic.

Owner-run work is common in the city itself. The 2020-2024 American Community Survey put the self-employed share of employed Naples, FL residents at 28.2 percent (margin of error 3.8 points); 14.6 percent of employed residents (margin of error 2.5 points) ran an incorporated business of their own and 13.6 percent (margin of error 3.4 points) one that was not incorporated. Each stage after the first call is set out in the step-by-step process, from the first records a partner can ask for to the written offer.

A salon owner in Naples, FL looking for a small business loan has three broad places to start: the bank or credit union that already holds the salon's accounts, a non-bank funding company that deals with businesses directly, or an office like Ledgehill Lending that talks the request through and hands it to funding partners. Every path ends in a written offer from the party that would put up the money, and any of them can ask to see how the salon's money comes in.

Ledgehill Lending's part is the front end. The office hears what the money is for, whether new styling chairs, a color bar, a product order or the dryers for a second suite, says which funding type fits that cost, and sends the request on. The rate, the terms and the yes-or-no answer belong to the funding partner; after an offer arrives, the office can go through the payment and the total cost with the owner before anything is signed.

Fewer than five people on payroll is the common size for a salon in Collier County, FL: 165 of the 232 beauty salon establishments counted for 2023 were in that size class (CBP, NAICS 812112), or 71.1%. Salons without any paid staff are tallied separately, in Nonemployer Statistics: 972 beauty salons in the county had no paid employees in 2024 (NAICS 812112).

Where a salon can get the money depends partly on what it buys, because each cost has a funding type built for it:

• Styling chairs, dryers, color bars and pedicure stations: equipment financing, with the equipment itself as security
• Retail product and color stock bought ahead of a large order: inventory financing
• Supply orders that come back every few weeks: a business line of credit to draw from and pay down
• Buying out a partner or buying another salon: a term loan with level monthly payments
• Payroll and suite rent through an uneven stretch of weeks: working capital
• Money now in exchange for a slice of future card sales: a merchant cash advance, collected by the provider and not a loan

Furnishing a new suite (styling stations, mirrors, chairs and dryers) can sit inside a term loan or an equipment request. Walls, plumbing, lighting and any work on the building shell are property work and fall outside this site.

A nail studio weighing a pedicure-chair purchase belongs to a smaller group: County Business Patterns lists 68 nail salon establishments in Collier County, FL for 2023 (NAICS 812113), and 63 of them had fewer than five employees.

At a bank, the application is the bank's own form, filled in at a branch or online, and it can ask for documents from the start. Through Ledgehill Lending the start is lighter. The request form takes a name, phone, email, the company name and three ranges (time in business, annual revenue and the amount in mind), plus a consent checkbox. Nothing else goes on it: the use of the money, any quote and the salon's records come up on the call and later with the partner.

The partner's application comes after that. When a funding partner takes up the request, it can send its own application and a list of records, and the salon owner completes those for the partner directly.

So the office fits at two points: before the application, helping pick the funding type and a sensible amount, and after the offer, reading the rate, the term, the payment and the total cost with the owner. An owner who would rather begin by phone finds the number and the office location on the contact page.