County Business Patterns listed 477 employer establishments across Elmore County, ID for 2023, most of them small.
In 2023, 53.7% of the employer establishments in Elmore County, ID had fewer than five employees, which is more than half. This page reads that data trade by trade and also gives the desk on S 2nd E St.
At a glance
- Employer establishments, Elmore County, ID (CBP 2023)
477
- Under five employees, Elmore County, ID (CBP 2023)
53.7%
- Self-employed residents, Mountain Home, ID (ACS 2020-2024)
13.8%
Business lenders near Mountain Home, ID: banks, credit unions and online lenders for landscapers
Lenders that fund businesses around Mountain Home, ID come in a few kinds, and a landscaping company meets each one on different ground. A bank or credit union can weigh years of deposits with it and, for a secured loan, the mower or trailer pledged against it. An online lender can lean on recent bank statements more than on tax returns. An equipment finance company can look first at the machine, its price and its resale value.
A funder opening a landscaper's file from Elmore County, ID is likely looking at a small crew: 8 of the county's 11 landscaping services employer establishments, or 72.7%, had fewer than five employees in 2023 (County Business Patterns, NAICS 561730). A different count, from 2024 Nonemployer Statistics, found 22 landscaping businesses in the county running with no paid staff (NAICS 56173).
Through Ledgeford Business Loans, one description of the cost and the business reaches several funder types; the funding partners that see it decide whether to make an offer.
Mountain Home, ID business loans: what Elmore County, ID landscapers compare first
Before the rate, a landscaping owner can compare the shape of each payment against how the crew gets paid. A machine that works for six years fits a longer schedule; wages due before an install invoice clears fit a short one.
| Funding type | Landscaping cost it fits | How it is paid back | Page |
|---|---|---|---|
| Equipment financing | Zero-turn mowers, aerators, a dump trailer | Fixed monthly payments; the machine secures it | Equipment financing |
| Working capital loan | Crew wages before a large install invoice pays | Fixed payments over a short term | Working capital |
| Line of credit | Fuel, sod, plants and irrigation parts | Interest only on the amount drawn | Line of credit |
| Term loan | Buying another company's routes and gear | Fixed payments over several years | Term loans |
Illustration only, invented figures: spread over 48 months at an annual rate of 10.5%, a $24,000 mower-and-trailer package runs $614.48 a month and $5,495.04 in interest across the term. Pack the same $24,000 into 24 months at an invented 14% and the monthly figure climbs to $1,152.31, yet the interest shrinks to $3,655.44, because the balance is gone in half the time.
An auto repair shop faces the same split between a machine and the parts that turn over: a lift or a wheel aligner fits a fixed schedule, while parts bought ahead of jobs fit a line. Shops in this county are small operations too, with 6 of 11 automotive repair and maintenance employer establishments under five employees in 2023 (CBP, NAICS 8111). In its own 2024 count, Nonemployer Statistics recorded 41 repair and maintenance shops with no payroll (NAICS 8111).
How Mountain Home, ID child care centers lease commercial property before borrowing
A child care center can settle its lease before requesting movable classroom equipment. A workable order of steps:
- Ask the relevant offices which use and building checks apply to the address before paying any deposit.
- Price movable cubbies, freestanding sinks and cots in writing. Fixed plumbing, fencing and flooring are excluded.
- Line up the lease term with the payment term, so that furniture financed over five years is not sitting in a room leased for three.
- Read the use clause, the personal guarantee and the assignment clause; the last one matters if the center is ever sold.
A center in this market is one of 13 child day care employer establishments that Elmore County, ID counted in 2023, with 83 employees and $2 million in annual payroll between them (CBP, NAICS 624410). ZIP 83647, which reaches well past the city limits, held 12 child day care employer establishments in the same year (ZBP 2023).
What Mountain Home, ID drywall and flooring contractors and home builders borrow for
Finishing work here runs on very small payrolls: 11 of the 13 building finishing contractor establishments in Elmore County, ID, or 84.6%, had fewer than five employees in 2023 (CBP, NAICS 2383, which covers drywall, flooring, painting and tile). Home builders show up as 12 residential building construction employer establishments with 66 employees (CBP NAICS 2361).
Nonemployer Statistics for 2024 listed 27 building finishing contractors and 43 residential builders in the county with no employees on payroll. Permit data gives context: the county authorized 164 new privately owned housing units in 2025 (Census Building Permits Survey), a count of new homes only, not remodels or commercial jobs. Those counts turn into job-site costs, from a scissor lift to a change order, on the construction page.
Costs that a finishing crew or a builder can name in a request:
- Board, mud, underlayment or flooring stock bought before the draw that pays for it, a fit for a working capital loan.
- A cargo trailer, a texture sprayer or a floor scraper, priced on a dealer quote.
- A revolving line for supply-house orders that rise and fall with the job list.
- Buying out a partner, or buying a small builder's equipment and contracts, on a longer term.
Business loans in Idaho and where Mountain Home, ID child care centers fit
For Mountain Home, ID, the American Community Survey (2020-2024) estimates self-employment at 13.8% of employed residents (margin of error 3.6 points). Elmore County, ID comes in at 13.4%, margin of error 2.7 points. The Idaho estimate, 12.5%, carries a margin of error of 0.3 points.
Child care sits inside the health care and social assistance sector, which held 57 employer establishments in Elmore County, ID in 2023 (CBP, NAICS 62). Within an Idaho funding request, a center can bring three kinds of cost: payroll that has to clear on time, furniture and cots, and, for an owner buying an existing center, the purchase price. Payroll points to working capital, the furniture to equipment financing, and a purchase to a term loan.
Phoning or visiting the Ledgeford desk on S 2nd E St in Mountain Home, ID
The Ledgeford Business Loans desk is at 190 S 2nd E St, Mountain Home, ID 83647. Hours are not posted, so call (208) 445-0233 before stopping by; the contact page carries a map and the short form.
From here the site branches out. The home page lists the funding types, the industries page gives county figures for more trades, the nearby places page covers Glenns Ferry, ID, Grand View, ID and the ZIP 83648 community, and the resources page holds the checklists and the payment calculator.
Records a partner may want for Mountain Home, ID employers
- Statements for the business checking account covering the latest full months
- The most recent return filed for the company plus personal returns where a partner asks
- Year-to-date income and expense figures, and the balance sheet that goes with it
- Current government ID with a photo for each person with an ownership share
- Details of current loans, leases and advances and what each one costs per month
- The purchase order for the equipment, naming the model and the cost
The paperwork list changes from partner to partner, so use this list as a guide.
The course of a request for owners near Mountain Home, ID
- Begin by calling (208) 445-0233 or open the request form; the reason for the funding comes up once a partner reviews it.
- From there, your request goes on to partners for review under each partner's own criteria.
- The reviewing partner reads the request; only the partner can decide.
- Before you sign anything, weigh the full cost and the terms, and agree only if it fits.
Companies based in Mountain Home, ID can handle each step without an office visit.
By Ledgeford Business Loans ยท Updated