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Business Loans by Industry in Bay City, MI: Repair Shops, Landscapers and Retailers

Kitchens, stores, crews, repair bays and taverns each buy different machines and carry different gaps. Six trade pages and a set of notes match them to funding types, with Census counts for Bay County, MI.

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Dining Rooms, Counters and Taprooms Around Bay County, MI

Hoods, walk-ins, draft systems and patios.

Kinds of Local Work in Bay City, MI

  • Restaurants

    Restaurant loans in Bay City, MI: kitchen equipment, hood systems, dining-room remodels, patios, food costs, bank loans and buying a restaurant.

  • Bars and Taverns

    Bar business loans in Bay City, MI: draft systems, bar coolers, ice machines, patios, pub business loans and how to finance buying a pub.

  • Full-Service and Limited-Service Restaurants in Bay County, MI: 71 Employers Each

    Full-service restaurants and limited-service restaurants each counted 71 employers in Bay County, MI in 2023 (CBP), tied for the second-largest six-digit industry by employers in the county. Full-service dining rooms reported 1,458 paid employees and counter-service kitchens 1,383, and 26 of the full-service restaurants had a ZIP 48708 address (ZBP). Hoods, walk-ins, ranges, remodels and payroll are the usual funding topics, all covered on the restaurant loans page.

  • Taverns and Drinking Places in Bay County, MI

    Drinking places, the Census category for bars and taverns, counted 34 employers in Bay County, MI in 2023, with 242 paid employees and about $4 million in annual payroll (CBP); 16 had fewer than five employees, and 12 had a ZIP 48708 address. Draft systems, coolers, ice machines, patios and pub purchases are covered on the bar business loans page.

Storefronts, Service Bays and Work Crews in Bay County, MI

Fixtures, lifts, mowers and machines.

Kinds of Local Work in Bay City, MI

  • Retail Stores

    Business loans for retail in Bay City, MI: POS systems, display cases, stock buys, storefront upgrades, lease improvements and a fixture example.

  • Construction

    Construction business loans in Bay City, MI: excavators, skid steers, work trucks, heavy equipment terms, plumbing contractors and retainage gaps.

  • Auto Repair

    Auto repair shop loans in Bay City, MI: two-post and four-post lift financing, alignment racks, parts inventory, fleet payment gaps and shop purchases.

  • Landscaping

    Landscaping equipment financing in Bay City, MI: zero-turn mowers, trailers, crew trucks, snow plow loans, lawn care equipment and payroll gaps.

  • Stores of Every Kind in Bay County, MI: Retail's 356 Employers

    Retail trade counted 356 employer establishments in Bay County, MI in 2023, the most of any sector, with 5,060 paid employees and $179.7 million in annual payroll (CBP). It spans hardware and building supply dealers, auto parts stores, clothing boutiques, gift shops and more. Fixtures, point-of-sale systems, stock and storefront upgrades are the main funding questions; business loans for retail covers them.

  • Builders, Remodelers and Specialty Trades in Bay County, MI

    Construction counted 169 employers in Bay County, MI in 2023: 47 building contractors, 104 specialty trade contractors and, by our arithmetic, 18 heavy and civil engineering firms (CBP). Of the 169, 97 had fewer than five employees, and the sector paid $97.9 million in wages for the year. Machines, materials, retainage and pay-application gaps drive funding needs, and construction business loans walks through each one.

  • Auto Repair Bays and Parts Counters Across Bay County, MI

    Automotive repair and maintenance counted 58 employers in Bay County, MI in 2023, with 252 paid employees (CBP); 36 had fewer than five. Auto parts, accessories and tire stores, counted separately in retail, added 25 employers, and 11 repair shops had a ZIP 48708 address (ZBP). Lifts, alignment racks, scan tools, parts inventory and shop purchases are the core topics on the auto repair shop loans page.

  • Mowing, Landscape and Plowing Outfits Across Bay County, MI

    Landscaping services counted 36 employers in Bay County, MI in 2023, and 30 of them had fewer than five employees (CBP). Nonemployer Statistics separately counted 160 landscaping businesses with no payroll for 2024 (NAICS 2022 code 56173), a separate program not added to the employer count. Mowers, plows, trailers and payroll before contracts pay are covered on the landscaping equipment financing page.

Gyms, Lodging, Salons, Child Care, Practices and Grocers in Bay County, MI

Trades without a page here.

  • Gyms and Fitness Studios in Bay County, MI: Notes Without a Page

    Fitness and recreational sports centers counted 6 employers in Bay County, MI in 2023, with 227 paid employees (CBP), too few for a page of their own here. Gym owners pricing racks, cardio machines and flooring can read the gym loan article and the gym section of equipment financing, then call or use the form like any other trade.

  • Hotels, Motels and Inns Across Bay County, MI: Notes Without a Page

    Traveler accommodation, which covers hotels, motels and inns, counted 19 employers in Bay County, MI in 2023, with 283 paid employees and $6.3 million in annual payroll (CBP). Renovating rooms, replacing laundry or HVAC equipment, and buying a property are typical lodging projects. Equipment financing fits laundry and HVAC units; a term loan fits a renovation or a purchase.

  • Salons and Child Care Centers in Bay County, MI: Brief Notes

    Beauty salons counted 21 employers in Bay County, MI in 2023 and child day care services 18 (CBP). Nonemployer Statistics separately counted 278 beauty salons and 94 child care businesses with no payroll for 2024. Salon chairs and stations fit equipment financing; a child care center's classroom furniture, play equipment and vans fit equipment loans, and a build-out fits a term loan.

  • Physician Practices and Dental Practices in Bay County, MI: Covered in This Hub

    Offices of physicians counted 94 employers in Bay County, MI in 2023 and offices of dentists 32 (CBP). They are not a focus of this site, but a practice can still send a request: exam and dental chairs, imaging and sterilizers fit equipment financing, and a practice purchase fits a term loan. The phone line and the web form work the same for any practice.

  • Grocery and Liquor Stores in Bay County, MI: Covered in This Hub

    Grocery stores counted 35 employers in Bay County, MI in 2023, a figure that includes 16 convenience stores, with 749 paid employees between them (CBP). Stores of that kind with a staff under five numbered ten. Coolers and shelving fit equipment financing, beverage and shelf stock fit inventory loans, and a store selling alcohol has license questions covered in the Michigan liquor license guide.

Where the Bay County, MI Trade Figures Come From

Programs and years behind each count.

  • Six Trade Pages for Bay County, MI and How They Were Picked

    A request can come from any operating business in Bay County, MI. Six trades have their own pages because each has at least 25 employers in the county (County Business Patterns 2023) and each buys equipment that earns over years: restaurants, retail stores, construction, auto repair, landscaping and bars and taverns.

    Whatever the trade, the funding partner reviewing the request makes the decision.

  • Census Sources for the Bay County, MI Trade Notes

    Employer counts on these pages come from the Census Bureau's County Business Patterns for 2023 (establishments with paid employees, NAICS 2017 codes). No-payroll counts come from Nonemployer Statistics for 2024 (NAICS 2022 codes), a different program and year, so the two are never added together. ZIP counts come from ZIP Business Patterns 2023 and place each business by the ZIP Code of its physical address, not by city lines.

In short

Blackvale Business Funding in Bay City, Michigan accepts requests from all local trades but trucking. This hub links six trade pages and adds Census notes on other Bay County, MI industries.

By Blackvale Business Funding ยท Updated

Your Trade Missing From the List? Call Anyway

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