Loans to build or buy a building stay outside this site.
Four invented contractor cases: a track loader with a trade-in on equipment financing, an undercarriage rebuild on working capital or a credit line, a ready-mix bill drawn on a credit line until the customer pays, and a cargo van with shelving. Jackson County, MS counts come from County Business Patterns, Nonemployer Statistics and building permit data.
At a glance
- Construction employer establishments, Jackson County, MS
185 (CBP 2023)
- Specialty trade contractors, Jackson County, MS
113 employer establishments (CBP 2023)
- Construction employer establishments with fewer than five employees
101, or 54.6% (CBP 2023)
- New housing units authorized, Jackson County, MS
724 in 2025 (Building Permits Survey)
A compact track loader with a trade-in: equipment financing for a Jackson County, MS site contractor
In an invented case, a site contractor in Jackson County, MS replaces an older compact track loader with a new one priced at $78,400. The dealer gives $21,500 for the old machine, so the invented amount to finance is $56,900.
On equipment financing across five years at 10.55% a year, the invented loader balance costs $1,224.41 a month. Five invented years of those payments come to $73,464.60, and $16,564.60 of that is interest.
Without the trade-in, the full invented $78,400 on the same terms would cost $1,687.06 a month and $22,823.60 in interest. In this invented case the trade-in lowers the payment by $462.65 a month and cuts $6,259.00 of interest. A funding partner may ask for the dealer's trade-in figure in writing.
An undercarriage rebuild on a Pascagoula, MS contractor's loader: working capital or a credit line
A second invented case: the same contractor's older loader needs new tracks, rollers and idlers, and the shop quotes $13,780 for the undercarriage rebuild. A repair keeps an owned machine working, so it is an operating cost rather than an equipment purchase.
| Funding type (invented) | Annual rate | How it is paid | Interest |
|---|---|---|---|
| Working capital loan | 15.3% | 9 payments of $1,630.37 | $893.33 |
| Credit line draw | 14.25% | $2,000 a month plus interest, 7 payments | $646.73 |
In this invented comparison, the credit line draw costs $246.60 less in interest, because its rate is lower and its balance falls sooner, but its first payment of $2,163.64 is higher than the loan's fixed $1,630.37. The working capital loan keeps every payment the same for the nine invented months.
Ready-mix invoices before the customer pays: a credit line for a Jackson County, MS concrete contractor
In a third invented case, a concrete contractor in Pascagoula, MS pours a commercial slab and pays the ready-mix supplier $9,840 plus $2,120 for the pump rental when the work is done, an invented $11,960. In this invented case, the customer pays the contractor's invoice 39 days later.
Drawn on a credit line at a 13.7% annual rate and cleared when the customer's payment arrives, the invented draw carries about $175.07 of simple interest for those 39 days. The limit is then open for the next pour.
A funding partner may ask for the signed contract or the customer invoice, the supplier tickets and recent bank statements before setting a limit.
A cargo van with shelving for a Pascagoula, MS plumbing or electrical contractor
A work van for the crew can be part of a contractor's request. In an invented case, a plumbing contractor buys a high-roof cargo van at $46,300 and adds shelving, bins and ladder racks for $4,180, an invented $50,480 in all.
At 11.1% a year for 60 months, the invented van and its shelving cost $1,100.08 a month. By the last of the 60 invented payments the contractor has paid $66,004.80, including $15,524.80 of interest. A partner may ask for the van's quote with the shelving listed on it, and the title for the van.
A service van or a crew truck for a plumbing, electrical or carpentry crew counts as equipment for that business, alongside the tools it carries.
Contractors in Jackson County, MS: building and specialty trade counts, small crews and housing permits
County Business Patterns 2023 counted 185 construction employer establishments in Jackson County, MS (NAICS 23), with 2,053 employees. Specialty trade contractors (NAICS 238) were 113 of them and construction of buildings (NAICS 236) 53; among the specialty trades were 33 plumbing, heating and air-conditioning contractors and 19 electrical contractors, among others.
Small crews make up just over half: 101 of the 185 (54.6%) had fewer than five employees.
ZIP Code Business Patterns 2023 put 14 construction employer establishments at a ZIP 39567 address. Owner-only construction businesses, those with no paid employees, numbered 1,811 in Jackson County, MS in Nonemployer Statistics 2024, a file kept apart from the employer count.
Residential building permits in the county authorized 724 new housing units in 2025, up from 516 in 2024 and 595 in 2023, and 554 of the 2025 units were single-family. The Pascagoula, MS page and the industries page have figures for other trades.
Contractor costs a Pascagoula, MS request leaves out: land, buildings and construction loans
Contractors are a funded trade on this site, but some costs are outside it:
- Construction loans for building a house, a shop or a commercial building, and loans to buy land or real estate.
- Work on the contractor's own building, such as adding bays, offices or yard paving.
- Trucking companies, owner-operators and tractor-trailers.
- Costs for a contracting business that has not started work yet.
Machines, vans, repairs, material bills and crew payroll are business costs that a request can name, and working capital covers several of them.
By Deerbrook Lenders · Updated
