Goldwell Commercial Capital, a small-business funding broker in Medford, Oregon, works with four sectors lending partners have confirmed: construction, restaurants, medical and dental practices, and retail and inventory businesses. This page sets each sector's Jackson County Census figures beside the funding options that usually suit it. Partners decide every request and set rates and terms.
Jackson County, OR sectors in Census counts
| Sector (NAICS) | Establishments | Employees | Under-five-employee share |
|---|---|---|---|
| Construction (23) | 884 | 5,700 | 68.9% |
| Retail trade (44-45) | 850 | 13,135 | 38.8% |
| Food service and bars (NAICS 722) | 563 | 7,826 | 27.4% |
| Outpatient practices (NAICS 621) | 544 | 7,520 | 44.1% |
| Wholesale trade (42) | 237 | 2,575 | 45.1% |
Source: U.S. Census Bureau, County Business Patterns 2023. Construction has the most establishments of any sector in the county and the smallest typical size. Restaurants and retail employ more people per establishment, and ambulatory health care, which includes physician and dental offices, sits in between.
Which option suits which sector
| Sector | Typical need | Usual fit |
|---|---|---|
| Construction | Wages before a draw; machines and vans | Working capital, revolving line, equipment loan |
| Restaurants | Kitchen equipment; remodels; a second site | Equipment loans, a term loan |
| Medical and dental | Chairs and imaging; build-outs; slow reimbursements | Equipment loans, a term loan, working capital |
| Retail and wholesale | Stock ahead of sales; fixtures | Inventory financing, credit line, equipment financing |
A merchant cash advance can be offered to any card-heavy business. It is not a loan, and its total cost should always be compared with the options above.
General builders and specialty trades
Jackson County had 884 construction employer establishments in 2023: 336 building contractors and 514 specialty trade contractors such as electricians, plumbers and framers (U.S. Census Bureau, County Business Patterns 2023). Builders took out permits for 944 new housing units in the county in 2025 (Building Permits Survey). Contractor and construction financing covers draws, retainage and equipment.
Kitchens, cafes and bars
The county had 563 food service and drinking places in 2023, 490 of them restaurants and other eating places, employing 7,826 people (U.S. Census Bureau, County Business Patterns 2023). Barely more than a quarter, 27.4 percent, employed fewer than five people. Restaurant and food service financing covers kitchens, remodels and second locations.
Doctors' and dentists' offices
Ambulatory health care had 544 establishments in the county in 2023, including 158 physician offices and 100 dental offices, and paid about $579.9 million in wages (U.S. Census Bureau, County Business Patterns 2023). Medical and dental practice financing covers equipment, build-outs and reimbursement gaps.
Retail and wholesale
Jackson County had 850 retail employer establishments and 237 wholesale establishments in 2023 (U.S. Census Bureau, County Business Patterns 2023), and a further 1,307 retail businesses with no paid employees in 2024 (Nonemployer Statistics 2024; a separate count, not added to the first). For stock bought ahead of sales, see inventory financing; fixtures and point-of-sale systems go on equipment financing.
Sectors outside the confirmed four
Farming and trucking are outside every partner's remit. Other sectors, such as professional services, manufacturing or real estate, may find fewer options; we tell you on the first call rather than after the paperwork. Local figures for every sector are on county statistics plus local help.
By Goldwell Commercial Capital · Updated