Each request goes to funding partners, and they decide any terms.
Contractors can request equipment financing for machines and a credit line or working capital for repair bills and progress-billing gaps. Lots, spec houses and building construction loans stay outside this site.
At a glance
- Construction of buildings (NAICS 236), Teton County, WY
139 employer establishments (CBP 2023)
- Specialty trade contractors (NAICS 238), Teton County, WY
180 employer establishments (CBP 2023)
- Residential building construction (NAICS 2361), Teton County, WY
129 employer establishments (CBP 2023)
- New housing units authorized, Teton County, WY
157 in 2025 (Census Building Permits Survey)
A Telehandler and Two Scissor Lifts on One Request: A Jackson, WY Builder’s Plan
A Jackson, WY residential builder that rents a telehandler and lifts for framing and finish stages can reach a point where owning them costs less over time. Putting all three machines on one request keeps one payment date and one set of paperwork.
Illustration only, invented figures: a telehandler at $71,400 and two scissor lifts at $16,850 each total $105,100, financed at an annual rate of 9.95%.
| Term | Monthly payment | All payments | Interest |
|---|---|---|---|
| 48 months | $2,663.08 | $127,827.84 | $22,727.84 |
| 60 months | $2,230.48 | $133,828.80 | $28,728.80 |
Stretching to 60 months in this invented case cuts $432.60 from each payment while adding $6,000.96 of interest. General notes on machine purchases are on the equipment financing page.
Renting a Telehandler by the Month or Financing One: Where the Totals Cross
Illustration only, invented figures: the same builder could keep renting the telehandler at $5,150 a month. On its own, the $71,400 telehandler financed at 9.95% for five years means a $1,515.28 payment each month and $90,916.80 by the time the agreement ends.
Twelve months of rent in this invented case come to $61,800. By month 18 the rent paid, $92,700, has passed the full 60-month cost of the financed machine, and the builder owns nothing at the end of the rental.
That comparison holds only while the machine stays in steady use. A telehandler parked between jobs still carries its payment, plus insurance, storage and repairs that a rental agreement may have included. On these invented numbers, financing comes out ahead for a builder with steady use for the machine and cash flow for the payment, and renting stays cheaper for occasional use.
An Equipment Repair Bill During a Progress-Billing Wait at a Teton County, WY Contractor
A Teton County, WY contractor can be owed a progress payment and still run short the week a machine breaks down.
Illustration only, invented figures: a mini excavator needs a hydraulic pump and hoses, an equipment repair bill of $7,980, while a $46,000 progress bill is still 30 days from payment. The contractor draws $7,980 on a business line of credit at an annual rate of 12.15%, simple interest, and pays it back when the progress payment lands; the 30 days of interest come to $79.69.
A repair is an operating cost, so a credit line or a short working capital loan fits it. Equipment financing is for buying machines, not for fixing the ones a contractor already owns.
Residential Builders and Specialty Trade Contractors in Teton County, WY, Code by Code
County Business Patterns for 2023 splits Teton County, WY contractors into two large groups. Construction of buildings (NAICS 236) had 139 establishments with paid staff, 129 of them in residential building construction (NAICS 2361). Specialty trade contractors (NAICS 238) had 180.
Both groups lean small: 85 of the 139 building contractors (61.2%) and 103 of the 180 specialty trade contractors (57.2%) had fewer than five employees.
| NAICS code and title | Establishments | Fewer than five employees |
|---|---|---|
| 2383 Building finishing contractors | 49 | 33 |
| 2389 Other specialty trade contractors | 39 | 26 |
| 238210 Electrical contractors | 32 | 14 |
| 238220 Plumbing, heating and AC contractors | 27 | 12 |
Nonemployer Statistics, a separate program, counted 251 specialty trade contractors in Teton County, WY with no paid employees in 2024. For a funding request the split matters: a builder may be carrying machines and progress billing, while a specialty contractor may be carrying tools and parts on hand.
Land, Spec Houses and Building Construction Loans Sit Outside Contractor Financing Here
Contractors are a funded industry on this site; building construction loans are not. Buying lots, carrying a spec house until it sells, or financing a project’s construction draws is real estate lending, and Heathfield does not arrange it.
What stays in scope is the contractor’s own business: machines, repair bills, payroll and materials timing, and a credit line for the stretch between progress payments. Census Building Permits Survey figures give context for the county’s housing work: authorizations for new housing units in Teton County, WY went from 102 in 2023 to 116 in 2024 and 157 in 2025. Single-unit homes made up 81 of the 2025 units, and buildings with five or more units held 72.
Landscaping crews and other trades are listed on the industries page, and the Jackson, WY page shows construction counts for the county and ZIP 83001 side by side.
By Heathfield Commercial Capital · Updated
