Coralbrook Funding, a small-business funding broker in Bloomington, Indiana, works with Monroe County businesses in the sectors its lending partners have confirmed: restaurants, medical and dental practices, retail and inventory-heavy trades, and construction. Each sector page pairs Census County Business Patterns data with the funding structures that fit that sector. Lending partners alone rule on each request.
How Monroe County, IN employers break down
Monroe County, Indiana had 3,095 employer establishments in 2023. Health care and social assistance led with 453, then retail trade (397), accommodation and food services (393), other services (313), professional, scientific and technical services (288) and construction (245). Health care also had the largest payroll, about $612.9 million (U.S. Census Bureau, County Business Patterns 2023).
How the cash moves, sector by sector
| Sector | Cash pattern | Often discussed |
|---|---|---|
| Restaurants and bars | Daily food and labor costs; card sales in | Kitchen equipment, working capital, credit lines |
| Medical and dental practices | Care first, insurer payment later | Clinical equipment, working capital, build-outs |
| Retail and wholesale | Stock bought before it sells | Inventory financing, credit lines |
| Construction | Labor and materials before payment | Equipment, working capital, credit lines |
These are tendencies, not rules. Your own revenue, costs and records decide the fit.
Restaurants and food service
Food services and drinking places numbered 338 employer establishments in Monroe County in 2023, and fewer than three in ten had under five employees, so payroll weighs heavily on most of them (County Business Patterns 2023). Restaurant financing in Bloomington, Indiana covers kitchens, coolers, point-of-sale systems and opening costs.
Medical and dental practices
The county had 284 ambulatory health care establishments in 2023, including 84 physicians' offices and 47 dentists' offices (County Business Patterns 2023). Medical and dental practice financing explains how partners view insurer timing, clinical equipment and new practices.
Retailers and wholesalers
Retail trade had 397 employer establishments in the county in 2023 and wholesale trade 81 (County Business Patterns 2023). Both tie cash up in goods before they sell, which is the job inventory financing does. A separate retail page will follow once it can say something the inventory page does not.
Contractors and the building trades
Monroe County had 245 construction employer establishments in 2023, 58.8 percent with fewer than five employees, plus 758 construction businesses with no paid employees in 2024 (County Business Patterns 2023; Nonemployer Statistics 2024; separate counts). New residential units authorized by building permits in the county went from 479 in 2023 to 872 in 2024 and 1,139 in 2025, and 878 of the 2025 units were in buildings with five or more units (Census Building Permits Survey). Contractors most often ask about equipment and the gap between finishing work and being paid; equipment financing is the usual starting point.
Businesses outside these sectors
Partners fund other kinds of business too, but agriculture and trucking are not sectors they have confirmed to us, so we do not take those requests. For anything else, start with the six-way comparison or call (812) 286-1845. The county's employer counts add local context.
By Coralbrook Funding · Updated
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