This Hollygrove Lenders page gathers Census business counts for St. Lucie County, Florida and the city's central ZIP code, the lender types serving Fort Pierce, FL, the city's EPL permitting portal, submittal checklists, zoning and Certificate of Use steps, self-employment shares, new-home permits, the county and state offices a request draws on, and where to find Hollygrove.
At a glance
- Employer establishments, St. Lucie County, FL
7,292 (County Business Patterns 2023)
- Construction employers, St. Lucie County, FL
1,198 (County Business Patterns 2023)
- Self-employed share, Fort Pierce, FL residents
8.3% (American Community Survey 2020-2024)
Business Lenders Serving Fort Pierce, FL: Banks, Credit Unions and Equipment Finance Companies
Several kinds of institution lend to Fort Pierce, FL businesses. Community banks and credit unions with branches in St. Lucie County, FL make term loans, lines and equipment loans and read full financial records. Regional and national banks reach the city through business bankers who cover several counties. Dealer programs and equipment finance companies take the machine itself as their security. Online lenders read bank deposits and serve businesses in many states.
Hollygrove Lenders is none of these. It shapes a request with the owner and passes it to funding partners, and each partner decides for itself. Who finances equipment for contractors compares the lender types for machinery.
Construction, Health Care and Retail Lead St. Lucie County, FL Employer Counts
| Sector (St. Lucie County, FL, 2023) | Employer establishments | Employees | Annual payroll |
|---|---|---|---|
| Construction | 1,198 | 6,400 | $312.7 million |
| Health care and social assistance | 949 | 14,657 | $911.8 million |
| Retail trade | 838 | 13,248 | $479.9 million |
| Professional, scientific and technical services | 736 | 3,073 | $192.4 million |
| Other services (repair, personal care, religious and civic) | 640 | 3,102 | $109.6 million |
| Administrative, support and waste services | 559 | 5,042 | $175.8 million |
| Accommodation and food services | 541 | 10,496 | $239.5 million |
| Real estate and rental and leasing | 417 | 1,111 | $51.1 million |
Construction leads by establishments, while health care and social assistance has the largest payroll, $911.8 million, and the most employees, 14,657 (County Business Patterns 2023). A builder finances machines and waits for draws; a clinic finances equipment and waits for insurers. Contractor business loans and medical practice loans take each in turn.
ZIP 34950 in Fort Pierce, FL: Clinics, Professional Offices and Shops
In 2023, 541 employer establishments had a ZIP 34950 street address; they paid 6,364 employees a combined $361 million for the year (ZIP Code Business Patterns 2023). Health care and social assistance had the most of any sector in the ZIP, 111, followed by professional, scientific and technical services with 95 and retail with 82. Construction had 36.
Employers with fewer than five on payroll were 57.1% of the ZIP's total. A ZIP is a postal area, not the city limits: ZIP 34950 lies almost entirely inside Fort Pierce, FL, but it covers only about a fifth of the city's land (Census relationship files), so these figures describe the ZIP, not the whole city.
Fort Pierce, FL Building Permit Application Through the City's EPL Portal
The City of Fort Pierce, FL handles permit applications, plan submissions, inspection scheduling and payments through its Enterprise Permitting and Licensing (EPL) portal. The city's page explains how to create an account and links PDF and video guides for applying for a permit, a plan, a license or an inspection.
For a funding request, permits matter when the money pays for a build-out or a change of use. A partner funding a fit-out may ask whether the permit has been applied for or issued, and the permit's scope should match the work described in the request.
Fort Pierce, FL Building Department Submittal Checklists for a Tenant Improvement
The city publishes building permit submittal checklists by project type. Among them are checklists for a commercial tenant improvement, a change of use, an exhaust hood, a grease trap and interceptor, a generator and a new commercial building. The page also notes that some properties sit in historic districts or architectural design areas, where extra review may apply.
A restaurant adding a hood, or a shop converting a bay, can read the matching checklist before pricing the project. That keeps the funding request and the permit scope aligned. Restaurant loans and auto repair shop loans cover the funding side.
Fort Pierce, FL Zoning Department Questions Before Signing a Lease
Before signing a lease, confirm that the planned use is allowed at the address. The city's Planning Department page links the zoning code, a table of allowed uses, interactive maps and a pre-application review, and names a planner-of-the-day contact for questions.
A partner funding equipment for a new location may ask whether the use is permitted. An owner who has checked the table of allowed uses, or held a pre-application meeting, has a clear answer.
Certificates of Use Inside Fort Pierce, FL City Limits
The City Clerk's Certificates of Use and Contractor Licensing page states that the city no longer collects business tax receipts and instead requires a Certificate of Use for each business location, renewed each year, applied for through the city's online portal. The St. Lucie County, FL business tax receipt, issued through the Tax Collector, is a separate requirement.
The tax receipt and Certificate of Use guide sets out both steps.
Self-Employed Residents: Fort Pierce, FL Below the St. Lucie County, FL Share
The American Community Survey estimates that 8.3% (plus or minus 1.9 points) of employed Fort Pierce, FL residents work in their own business, against 12.8% (plus or minus 1.0) across St. Lucie County, FL (American Community Survey 2020-2024). The two ranges do not overlap, so the city's share is lower. Countywide, the survey puts 5.7% of employed residents in their own incorporated firms and 7.0% in businesses they own without incorporating (American Community Survey 2020-2024).
Nonemployer Statistics separately counted 49,271 St. Lucie County, FL businesses with no paid employees in 2024, led by transportation and warehousing, administrative and support services, other services and construction (Nonemployer Statistics 2024). A sole proprietor's request is read mostly through the owner's personal credit and return.
New-Home Permits in St. Lucie County, FL From 2023 Through 2025
The Census Building Permits Survey counted 5,193 new housing units authorized in St. Lucie County, FL in 2023, 4,869 in 2024 and 4,008 in 2025. Of the 2025 units, 3,468 were single-family homes, and the permits carried a total valuation of $1,162.7 million (Census Building Permits Survey).
Every one of those homes was work for framers, roofers, electricians, plumbers, drywall and tile crews, painters and landscapers. Who finances equipment for contractors and landscaping equipment financing follow that work to the machines.
County and State Offices a Funding Request Draws On
- City of Fort Pierce, FL: departments, the EPL portal and the City Clerk.
- St. Lucie County, FL government: county departments, permitting and meetings.
- St. Lucie County, FL Tax Collector, local business tax: county business tax receipts, search and renewal.
- Florida SBDC Network locator: lists the Florida SBDC at IRSC as the office serving St. Lucie County, FL.
- Florida Department of Revenue, sales and use tax: sales tax registration for businesses that sell taxable goods.
- Chamber of Commerce for St. Lucie County, FL: membership, events and small business assistance.
None of these offices is connected with Hollygrove Lenders. They appear because a funding request draws on records they hold.
Finding the Hollygrove Lenders Desk in Fort Pierce, FL
Hollygrove Lenders: 105 S 2nd St, Fort Pierce, FL 34950. Phone: (772) 314-3260. The web request form is the other way in.
Areas served covers the communities around the city, and funding by industry has fourteen trade pages with St. Lucie County, FL counts. Guides on business acquisition loans in Florida and the Florida food truck license sit with the other resources. All six funding types and equipment financing start the funding side.
Kinds of Firms Partners Look at Within Fort Pierce, FL
Partners weigh requests from Fort Pierce, FL firms in many different fields; the mix includes contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock. Any partner in the network judges each request against its own rules.
Statements and IDs to Prepare for Fort Pierce, FL Applicants
- The business tax return for the latest year (a partner may want personal returns as well)
- An updated profit and loss statement plus a balance sheet from the same date
- A current government photo ID covering each person who owns a share
- The documents that formed the company, plus the IRS letter with the EIN
- A list of the loans and leases already in place with the monthly payment for each
- For an equipment purchase, the vendor's quote showing the model and the full price
Each partner keeps its own document checklist, so take this list as a general guide.
How the Review Unfolds for Fort Pierce, FL Employers
- Call the office at (772) 314-3260 or use the request form to say what the funds are for.
- After that, the request goes to partners that offer financing for that purpose.
- The partner looks over the request; the decision rests with the partner.
- Weigh the full cost, the payment schedule and the terms of any offer; you choose whether to go ahead.
Owners of Fort Pierce, FL businesses can complete the request by phone or online.
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