Merced County, CA restaurants
117 full-service and 169 limited-service restaurants, plus 47 snack and coffee bars. Kitchen equipment, payroll and food cost all land before the night's sales are deposited. Restaurant funding
Business Loans by Industry in Merced, CA
Restaurants, clinics, contractors, grocers, gas stations and more: each industry earns and spends on its own clock, and the funding should follow it.
Merced County, CA restaurants, cafés and bars
Daily card sales, weekly food bills, kitchen equipment.
Merced County, CA snack, coffee and juice bars
47 snack and nonalcoholic beverage bars had employees in 2023, about a third of them with fewer than five. Espresso machines and refrigeration are equipment a cafe might finance; a short line can cover the weeks before a new location builds a following. Equipment financing
Merced County, CA bars
13 bars and taverns had employees in 2023, most of them with fewer than five. Funding might go to a remodel or a cooler, or to stock carried ahead of weekend sales; a revolving limit is one option to compare with a lump sum. Lines of credit
Merced County, CA medical, dental and care providers
Claims that pay late, equipment that lasts years.
Medical Practices
Medical practice loans for Merced County, CA physician offices: covering payroll while claims pay, clinic equipment financing and practice buy-ins.
Dental Practices
Dental practice loans for Merced County, CA dentists: buying a practice, equipment financing, office build-outs and payroll between insurance payments.
Chiropractic, Therapy & Optometry
Chiropractic, physical therapy and optometry business loans in Merced County, CA: treatment and exam equipment, clinic build-outs and buying a practice.
Merced County, CA medical practices
127 offices of physicians, 57.5% with fewer than five employees. Insurance claims pay weeks after the visit while payroll runs every two weeks. Medical practice funding
Merced County, CA dental practices
82 dental offices, most with five or more employees. Chairs, imaging and practice purchases are the large requests. Dental practice funding
Merced County, CA chiropractors, therapists and optometrists
75 offices of other health practitioners, more than half with fewer than five employees, plus 141 nonemployer practices (NES 2024). Chiropractic, therapy and optometry funding
Merced County, CA individual and family services
55 employer establishments in 2023. Some are paid on contracts or reimbursements that arrive after services are delivered, so payroll comes first. Working capital sized to the reimbursement gap is one fit; grants and public contracts are a separate world partners read carefully. Working capital
Merced County, CA home health care
9 home health agencies had employees in 2023 and 197 nonemployer businesses reported in the category (NES 2024). Caregiver wages run weekly while reimbursements lag, which is a classic working capital gap. Working capital
Merced County, CA contractors and building services
Materials and payroll before the draw or invoice is paid.
Construction
Contractor business loans in Merced County, CA: credit lines for materials and payroll between draws, construction equipment and working capital.
Painting & Finishing
Painting business loans for Merced County, CA finishing contractors: working capital for crews and materials, sprayer and lift financing, credit lines.
Plumbing & HVAC
Plumbing and HVAC business loans in Merced County, CA: service van and equipment financing, parts stock, credit lines and working capital for new work.
Landscaping
Landscaping business loans in Merced County, CA: lawn care equipment financing, trucks and trailers, credit lines for install jobs, and running costs.
Merced County, CA contractors and builders
108 residential and 14 nonresidential building contractors; 780 new homes were authorized county-wide in 2025. Contractor funding
Merced County, CA painting, drywall and flooring contractors
73 building finishing contractors, 71.2% with fewer than five employees, and 214 nonemployer finishing businesses (NES 2024). Painting and finishing contractor funding
Merced County, CA plumbing and HVAC contractors
63 plumbing, heating and air-conditioning contractors with employees. Service vans and parts stock are the recurring costs. Plumbing and HVAC funding
Merced County, CA electrical contractors
35 electrical contractors had employees in 2023, 60% with fewer than five. Wire and panels are bought before the job is billed, and lifts or trenchers are long-life equipment; the contractor page covers the cash cycle they share with other trades. Contractor funding
Merced County, CA roofing contractors
9 roofing contractors had employees in 2023, and 125 nonemployer foundation, structure and exterior contractors, a group that includes roofers, reported in 2024 (NES, NAICS 2381). Materials ordered ahead of a tear-off are the main gap, which a credit line or working capital covers. Contractor funding
Merced County, CA landscaping companies
46 landscaping services with employees, and 426 nonemployer landscapers (NES 2024). Mowers, trailers and trucks are equipment to finance. Landscaping funding
Merced County, CA business loans for cleaning businesses
29 janitorial services had employees in 2023, and 596 nonemployer janitorial businesses reported in 2024 (NES). A cleaning contract may pay monthly in arrears, so the first month of a new contract's wages can be the gap to fund. Working capital
Merced County, CA auto repair and equipment service
Lifts, diagnostic tools and parts on the shelf.
Merced County, CA auto repair shops
103 auto repair and maintenance shops with employees, 30 of them in ZIP 95340, and 343 nonemployer shops (NES 2024). Auto repair funding
Merced County, CA machinery and equipment repair
The 2023 count of commercial and industrial machinery repair shops with employees was 19. Service trucks, welders and diagnostic tools are the long-life purchases that equipment financing suits. Equipment financing
Merced County, CA stores, grocers and fuel retailers
Goods paid for before customers buy them.
Grocery Stores
Grocery store loans for Merced County, CA markets: inventory financing for stock, refrigeration and checkout equipment, credit lines and store remodels.
Gas Stations
Gas station loans and financing in Merced County, CA: requirements partners review, fuel and store inventory, pumps and canopies, and buying a station.
Retail
Retail business loans for Merced County, CA stores and boutiques: inventory financing, credit lines for stock, fixtures, remodels and card-sales advances.
Merced County, CA grocery stores
74 grocery stores with employees, most of them with five or more. Stock, refrigeration and point-of-sale systems drive requests. Grocery store funding
Merced County, CA gas stations
73 gasoline stations with employees. Fuel and store stock are bought repeatedly; pumps, tanks and canopies are long-life purchases. Gas station funding
Merced County, CA clothing, parts and specialty stores
Clothing stores, auto parts and tire stores, pharmacies, building-material dealers and general merchandise stores: stock is a major cost. Retail store funding
Merced County, CA convenience stores
18 convenience stores without fuel had employees in 2023, more than half with fewer than five. Inventory financing or a small line may suit stock purchases better than a long loan; compare total cost. Inventory financing
Merced County, CA automobile dealers
23 automobile dealers had employees in 2023. Vehicles on the lot can be financed one unit at a time through floor plan arrangements, a form of inventory financing. Inventory financing
Merced County, CA offices and professional firms
Payroll ahead of billing, acquisitions of a book of clients.
Merced County, CA accounting, insurance and other professional firms
53 accounting and bookkeeping firms and 57 insurance agencies with employees; acquisitions and payroll ahead of billing are uses to consider. Professional firm funding
Merced County, CA law firms
43 legal services offices had employees in 2023, 72.1% with fewer than five. Contingency and hourly work can leave months between doing the work and being paid, so a line of credit for payroll is one option. Lines of credit
Merced County, CA business loans for veterinarians
13 veterinary practices had employees in 2023. Surgical, imaging and dental equipment is costly and long-lived; equipment financing keeps it off the practice's working cash. Equipment financing
Merced County, CA salons and fitness businesses
Chairs, equipment and build-outs.
Merced County, CA beauty and nail salons
14 beauty salons and 12 nail salons had employees in 2023, while 517 beauty-salon and 111 nail-salon businesses had none (NES 2024). Chairs, dryers and a build-out are the larger costs; working capital covers product orders. Working capital
Merced County, CA business loans for gyms
The 2023 count of fitness and recreational sports centers with employees was 17. Equipment can be a big outlay, and leasing or financing it spreads the cost. Equipment financing
Merced County, CA hotels and motels
Renovation and furnishings on long schedules.
Merced County, CA business loans for hotels
The 2023 count of hotels and motels with employees was 27. Room renovations and furnishings are financed over years; a revolving line covers repairs that cannot wait for the next renovation cycle. Lines of credit
Merced County, CA food processors and manufacturers
Plant equipment and raw materials.
Merced County, CA food processors
40 food manufacturing establishments had employees in 2023, and only 15% had fewer than five. Food processing funding
Merced County, CA business loans for manufacturing
Beyond food, 16 fabricated metal shops and machine shops and 8 printing businesses had employees in 2023. Presses, CNC machines and welders are typical equipment requests, financed against the machine itself. Equipment financing
Merced County, CA real estate, child care and other sectors
Where the fit depends on the business model.
Merced County, CA agricultural support firms
52 support-activity businesses for agriculture and forestry had employees in 2023. Farm production loans are not arranged here, and partners review farm-service requests case by case; equipment such as service trucks is one place to start. Equipment financing
Merced County, CA business loans for real estate
62 lessors of real estate, 47 real estate agent offices and 32 residential property managers had employees in 2023. Property purchases are mortgage territory, outside what is arranged here; office build-outs and agency acquisitions fit a term loan. Term loans
Merced County, CA business loans for daycare
40 child day care centers had employees in 2023, and 969 nonemployer child care businesses reported in 2024 (NES). Playground equipment, vans and a facility remodel are the larger needs; payroll ahead of reimbursements is the recurring one. Working capital
Merced County, CA warehousing and storage
6 warehousing and storage establishments had employees in 2023. Forklifts, racking and dock equipment are the classic equipment requests; payroll ahead of monthly storage billing is the working capital side. Working capital
In short
Cliffbank Lenders, a small-business funding service in Merced, California, groups Merced County businesses by industry: fourteen dedicated pages and short notes on two dozen more sectors, each with its Census establishment count and the funding options that fit how it takes in cash. Most industries are in scope for partners, and each partner makes its own decision.
Most industries are in scope for partners
Funding partners review businesses across most industries, and each partner sets its own criteria. The counts below are employer establishments in Merced County, CA from the Census Bureau's County Business Patterns 2023 unless noted. Trucking funding, farm production loans and personal loans are not arranged here. Every option is compared on the comparison page.
Sources behind the industry counts
Employer counts: U.S. Census Bureau, County Business Patterns 2023 (NAICS 2017) for Merced County, CA, and ZIP Business Patterns 2023 for ZIP 95340. Nonemployer counts: Nonemployer Statistics 2024 (NAICS 2022). The two programs measure different businesses in different years and are never added together. County-wide totals are on the Merced, CA figures page.
By Cliffbank Lenders · Updated
Start With the Bill and the Date
Call (209) 509-1962; partners consider businesses across most industries, and we can say which options may fit.
(209) 509-1962