# Blackvale Business Funding > Blackvale Business Funding is a small-business funding broker at 902 N Water St, Bay City, MI 48708 (phone (989) 279-5551). It helps businesses in Bay City, MI and across Bay County, Michigan, explore equipment loans and leases, short-term business loans, commercial term loans, commercial lines of credit, inventory loans, and business cash advances. Blackvale Business Funding passes funding requests to funding partners; each partner reviews a request and makes its own credit decision, rates and terms. Blackvale Business Funding is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Blackvale Business Funding does not arrange personal, payday, auto title, mortgage, startup or SBA loans, does not offer grants, and does not arrange funding for trucking. Key facts: - Business type: small-business funding broker (not a lender) - Address: 902 N Water St, Bay City, MI 48708, United States - Phone: (989) 279-5551 - Apply: https://blackvalebusinessfunding.com/apply/ - Service area: Bay City, MI and all of Bay County, Michigan - Language: English ## Funding options - [Business Loan Options in Bay City, MI, Weighed for Food Costs, Payroll and Two-Post Lifts](https://blackvalebusinessfunding.com/business-loans/): This page from Blackvale Business Funding in Bay City, Michigan lines up six funding types: what each one buys, how it is paid back or collected, and which Bay County trades it tends to suit. Funding partners set every price and term. - [Bay City, MI Short Term Business Loans: Parts Inventory, Food Costs and Payroll](https://blackvalebusinessfunding.com/business-loans/working-capital/): Blackvale Business Funding in Bay City, Michigan explains short-term business loans for Bay County restaurants, repair shops, landscapers and stores: what they cover, how payments are collected, and how to size one to the gap. - [Commercial Term Loans Across Bay County, MI for Zero-Turn Mowers, Kitchen Remodels and Buyouts](https://blackvalebusinessfunding.com/business-loans/term-loans/): Blackvale Business Funding, a Bay City, Michigan funding service, explains commercial term loans for Bay County shop, restaurant, store and contractor purchases and expansions, and how to compare offers on total cost. - [Commercial Line of Credit in Bay City, MI: Revolving Draws for Materials and Payroll](https://blackvalebusinessfunding.com/business-loans/line-of-credit/): Blackvale Business Funding in Bay City, Michigan explains commercial lines of credit for Bay County repair shops, landscapers, contractors and restaurants: how draws and renewals work and where a line fits next to a loan or an advance. - [Inventory Loans in Bay City, MI: Lumber Stock and Beverage Inventory](https://blackvalebusinessfunding.com/business-loans/inventory-financing/): Blackvale Business Funding, a Bay City, Michigan funding service, explains inventory loans for Bay County retailers, lumber and hardware dealers, contractors and restaurants, including the turn, margin and shrink numbers lenders weigh. - [Equipment Financing in Bay City, MI for Draft Systems, Kitchen Hoods and Two-Post Lifts](https://blackvalebusinessfunding.com/equipment-financing/): Blackvale Business Funding, a Bay City, Michigan funding service, leads with equipment financing because the trades it covers earn with machines. This page covers gym, construction, landscaping, auto shop and food truck equipment, leases and loans, and an invented skid steer example. - [Business Cash Advance Across Bay County, MI Against a Restaurant's Future Card Sales](https://blackvalebusinessfunding.com/merchant-cash-advance/): Blackvale Business Funding, a Bay City, Michigan funding service, includes the business cash advance in its comparison so Bay County restaurants, taverns and shops can weigh it openly against loans and lines. An advance is a purchase of future card receivables. ## Industries - [Business Loans by Industry in Bay City, MI: Repair Shops, Landscapers and Retailers](https://blackvalebusinessfunding.com/industries/): 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. - [Bay City, MI Restaurant Loans: Dining-Room Remodels, Fryers and Food Costs](https://blackvalebusinessfunding.com/industries/restaurants/): Blackvale Business Funding passes restaurant funding requests from Bay City, Michigan to funding partners. This page covers Bay County restaurant counts, kitchen equipment, remodels and patios, food costs and payroll, and the records a partner may read. - [Business Loans for Retail in Bay City, MI: Shelving, Stock Buys and Lease Improvements](https://blackvalebusinessfunding.com/industries/retail/): Retail funding requests from Bay City, Michigan stores go from Blackvale Business Funding to funding partners for review. This page covers Bay County retail counts, fixtures and point-of-sale systems, stock, storefront work and lease improvements. - [Construction Business Loans Across Bay County, MI: Excavators, Skid Steers and Job Draws](https://blackvalebusinessfunding.com/industries/construction/): Contractor funding requests from Bay County, Michigan go from Blackvale Business Funding to funding partners for review. This page covers Bay County construction counts, heavy equipment, draw and retainage gaps, specialty trades and the records a partner may read. - [Bay City, MI Auto Repair Shop Loans: Alignment Racks, Parts Inventory and Shop Purchases](https://blackvalebusinessfunding.com/industries/auto-repair/): Blackvale Business Funding passes repair shop funding requests from Bay City, Michigan to funding partners. This page covers Bay County shop counts, lifts and racks, parts and payroll gaps, and buying a shop. - [Bay City, MI Landscaping Equipment Financing: Mowers, Plows, Trailers and Payroll](https://blackvalebusinessfunding.com/industries/landscaping/): Blackvale Business Funding passes landscaping and snow removal funding requests from Bay City, Michigan to funding partners. This page covers Bay County landscaping counts, mowers, trailers, plows and payroll. - [Bar Business Loans in Bay City, MI: Draft Systems, Ice Machines and Patio Additions](https://blackvalebusinessfunding.com/industries/bars/): Blackvale Business Funding passes bar and tavern funding requests from Bay City, Michigan to funding partners. This page covers Bay County drinking place counts, bar equipment, patios, stock and pub purchases. ## Guides and calculators - [Bay City, MI Business Loan Guides on Commercial Space, Liquor Licenses and Skid-Steer Payments](https://blackvalebusinessfunding.com/resources/): Blackvale Business Funding, a Bay City, Michigan funding service, keeps these guides for restaurants, shops, taverns and contractors planning a move, a license or a machine purchase. - [Bay City, MI Commercial Property for Lease: Leasing or Buying Space for Repair Shops](https://blackvalebusinessfunding.com/resources/bay-city-mi-commercial-space-to-lease-or-buy/): This guide from Blackvale Business Funding in Bay City, Michigan compares leasing and buying commercial space for Bay County shops, restaurants and crews, and points to county offices for property records. Each office sets its own procedures and fees. - [Michigan Liquor License: What Bay City, MI Restaurant Owners Should Know Before Applying](https://blackvalebusinessfunding.com/resources/michigan-liquor-license-for-restaurants-and-bars/): This guide from Blackvale Business Funding in Bay City, Michigan summarizes what restaurant and bar owners can find from the Michigan Liquor Control Commission before applying or buying. The Commission decides every application; confirm current rules and fees with it. - [Skid Steer Financing Calculator for Bay City, MI Contractors](https://blackvalebusinessfunding.com/resources/skid-steer-financing-calculator/): This calculator from Blackvale Business Funding in Bay City, Michigan estimates payments on a skid steer, excavator or other machine from the numbers you enter. It is arithmetic, not an offer; funding partners set real rates and terms. ## Areas served - [Bay City, MI Business Loans With Bay County Counts for Kitchens, Repair Bays and Crews](https://blackvalebusinessfunding.com/bay-city-mi/): Blackvale Business Funding works on funding requests from its Bay City, Michigan office. This page gathers Bay County and ZIP 48708 Census counts for the trades it covers, explains where else owners can apply, and points to county property records and public business help. - [Business Financing in Bay County, MI for Pinconning, Kawkawlin, Linwood and Auburn Owners](https://blackvalebusinessfunding.com/service-areas/): Blackvale Business Funding in Bay City, Michigan takes requests from towns across northern and western Bay County and nearby Saginaw County. ZIP counts here describe mailing areas, not town limits. ## Company - [Business Financing in Bay City, MI: Restaurant Owners, Repair Shops and Landscapers](https://blackvalebusinessfunding.com/): Blackvale Business Funding, based in Bay City, Michigan, starts every request with the thing being bought: a machine, a kitchen, a stock order or a shop. It matches that purchase to one or two of six funding types and passes the request to funding partners, who set any approval, amount and price. - [How to Apply for a Business Loan in Bay City, MI, From a Kitchen Quote to a Partner's Answer](https://blackvalebusinessfunding.com/how-it-works/): This page from Blackvale Business Funding in Bay City, Michigan sets out how a funding request moves: the opening call, the papers a partner may ask for, the partner's review and your decision on any offer. - [Bay City, MI Business Loan FAQ for Restaurants, Taverns, Repair Shops and Lawn Crews](https://blackvalebusinessfunding.com/faq/): Blackvale Business Funding, a Bay City, Michigan funding service, answers frequent funding questions here. Every rate, term and approval here belongs to the funding partners. - [Blackvale Business Funding: Bay City, MI Requests for Kitchens, Taverns and Repair Bays](https://blackvalebusinessfunding.com/about/): Blackvale Business Funding, based in Bay City, Michigan, helps Bay County restaurants, stores, contractors, repair shops, landscapers and taverns compare six funding types, then passes requests to funding partners that review them and set any terms. - [Reach Blackvale Business Funding in Bay City, MI About a Kitchen, Tavern or Repair-Bay Request](https://blackvalebusinessfunding.com/contact/): Blackvale Business Funding accepts requests two ways, the phone line and a web form. This page lists both, the office address, and the questions worth thinking through before calling. - [Business Funding Application in Bay City, MI for Restaurants, Taverns and Lawn Crews](https://blackvalebusinessfunding.com/apply/): The Blackvale Business Funding web form asks for a name, phone, email, an optional company name and three ranges: time in business, annual revenue and the amount wanted. - [Disclosures for Blackvale Business Funding, Bay City, MI](https://blackvalebusinessfunding.com/disclosures/): Blackvale Business Funding in Bay City, Michigan is a funding broker, not a lender. ## Optional - [Full text of every page](https://blackvalebusinessfunding.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://blackvalebusinessfunding.com/sitemap.xml)