Business funding for Midland, MI and Midland County

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Funding by Sector for Midland, MI Businesses

Every trade pays its bills on its own clock. These notes match Midland County, MI businesses to the funding structures that suit their cash cycle, with Census counts for each.

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Midland County, MI Contractors Paying Crews Before the Draw

Materials and crews paid before the draw.

Lines of work we cover

  • Construction

    Contractor loans in Midland, MI: working capital for crews, lines for materials and equipment financing for roofers, plumbers, concrete and 1099 trades.

  • Contractors and Builders in Midland County, MI

    Midland County had 180 construction employer establishments in 2023, 56.1% with fewer than five employees, including 53 residential builders, 27 finishing contractors, 24 plumbing and HVAC contractors and 14 electricians. Wages and materials go out ahead of the draw. The contractor loans page covers working capital, lines and equipment for each trade.

    Payroll for residential builders came to $12.2 million across 253 paid employees in 2023, or about $48,300 a head (our arithmetic).

Midland, MI Retailers Buying Stock Ahead of Sales

Stock bought before it sells.

Lines of work we cover

  • Retail

    Retail business loans in Midland, MI: inventory financing, working capital and term loans for Midland County, MI stores, boutiques and clothing shops.

  • Retail Stores Across Midland County, MI

    The county had 253 retail employer establishments in 2023, among them 23 general merchandise stores, 22 building material dealers, 21 grocers and 14 clothing stores. Stock is bought before it sells, which is what inventory financing and lines are for. See the retail business loans page.

    The 2024 Nonemployer Statistics file, kept separate here, shows 6 building material and garden supply dealers working without employees, at about $174,700 in average receipts (our arithmetic).

Kitchens, Cafes and Caterers in Midland County, MI

Food costs, card receipts and ovens.

Lines of work we cover

  • Restaurants

    Restaurant financing in Midland, MI: kitchen equipment, new restaurants, remodels and commercial loans for Midland County, MI dining rooms and counters.

  • Dining Rooms, Counters and Caterers in Midland County, MI

    Beyond the 109 restaurants counted above, the county had 17 snack and coffee bars, 22 caterers and food service contractors and 6 bars with employees in 2023. Ovens, hoods and walk-in coolers suit equipment financing. The restaurant financing page goes further.

    Payroll for snack and coffee bars came to $3.4 million across 193 paid employees in 2023, or about $17,400 a head (our arithmetic).

Practices and Care Providers Around Midland, MI

Claim timing, equipment and wages.

Lines of work we cover

  • Medical Practices

    Medical practice financing in Midland, MI: physician practice loans, buying a practice, equipment and credit lines for Midland County, MI clinics.

  • Chiropractic & Therapy

    Chiropractic practice loans in Midland, MI: tables, rehab and optometry equipment, therapy clinic loans and working capital for Midland County, MI.

  • Dental Practices

    Dental practice financing in Midland, MI: clinic equipment, practice acquisitions and business loans for dentists across Midland County, MI.

  • Physician Practices in Midland County, MI

    Offices of physicians numbered 77 in 2023, 48.1% with fewer than five employees, with $138.5 million in annual payroll. Imaging, exam rooms and practice purchases are the larger purchases. See the medical practice financing page.

    Payroll for physician offices came to $138.5 million across 786 paid employees in 2023, or about $176,200 a head (our arithmetic). The 2024 Nonemployer Statistics file, kept separate here, shows 60 physician offices working without employees, at about $90,800 in average receipts (our arithmetic).

  • Dental Offices Around Midland, MI

    The county had 36 offices of dentists with 421 paid employees in 2023 (NAICS 6212). Chairs, imaging and practice acquisitions lead the funding list. See the dental practice financing page.

    Payroll for dental offices came to $25.8 million across 421 paid employees in 2023, or about $61,300 a head (our arithmetic). Among the county's 36 dental offices with employees, 7 had a staff of under five in 2023.

  • Chiropractors, Therapists and Optometrists in Midland County, MI

    Offices of other health practitioners, the NAICS 6213 group that includes chiropractors, physical therapists and optometrists, numbered 44 in 2023, and Nonemployer Statistics counted 153 without paid employees in 2024 (a separate program). See the chiropractic practice loans page.

    Payroll for chiropractic, therapy and optometry offices came to $13.6 million across 301 paid employees in 2023, or about $45,200 a head (our arithmetic).

Repair Bays, Fuel Stops and Lots in Midland County, MI

Lifts, fuel loads and parts.

Lines of work we cover

  • Auto Repair

    Auto shop business loans in Midland, MI: lifts, scan tools, parts stock, payroll and buying a repair shop, with Midland County, MI Census counts.

  • Gas Stations & C-Stores

    Convenience store loans in Midland, MI: buying a gas station or c-store, fuel and store stock, pumps and tanks, with Midland County, MI Census counts.

  • Fuel Stations and Convenience Stores Near Midland, MI

    Midland County had 26 gasoline stations and 10 convenience stores with employees in 2023 (NAICS 4471 and 445120), 36 by our sum. Fuel loads, store stock, pumps and tanks each fit a different structure; the convenience store loans page covers buying a station too.

    The 2024 Nonemployer Statistics file, kept separate here, shows 8 convenience stores working without employees, at about $72,100 in average receipts (our arithmetic).

  • Auto Repair Shops in Midland County, MI

    The county had 50 auto repair and maintenance employer establishments in 2023 (NAICS 8111), 56.0% with fewer than five employees. Lifts, alignment racks and scan tools are equipment-financing purchases; parts stock and wages are working capital. See the auto shop loans page.

    Payroll for auto repair and maintenance shops came to $11.4 million across 289 paid employees in 2023, or about $39,300 a head (our arithmetic).

Professional Services and Related Sectors Around Midland, MI

Fees billed after the work.

Lines of work we cover

  • Accounting Firms

    CPA firm loans in Midland, MI: buying a CPA practice or accounting firm, acquisition due diligence, and credit lines for Midland County, MI firms.

  • Accounting, Tax and Payroll Firms in Midland County, MI

    The county had 32 accounting, tax preparation, bookkeeping and payroll service employer establishments in 2023 (NAICS 5412), 71.9% with fewer than five employees. Buying a practice or a book of clients is the big-ticket purchase. See the CPA firm loans page.

    The 2024 Nonemployer Statistics file, kept separate here, shows 70 accounting, tax and bookkeeping firms working without employees, at about $28,500 in average receipts (our arithmetic).

  • Law, Insurance and Consulting Offices Around Midland, MI

    Other professional offices in the county in 2023: 20 legal services firms, 19 insurance agencies and 34 management and technical consulting firms. These offices bill after the work, so a line of credit can carry wages between invoices; a term loan can fund a buyout.

    Payroll for law offices came to $6.0 million across 71 paid employees in 2023, or about $84,000 a head (our arithmetic).

Child Care and Related Sectors Around Midland, MI

Tuition timing and classroom gear.

Lines of work we cover

  • Child Care

    Child care business loans in Midland, MI: daycare center funding, furniture and equipment financing, and working capital for Midland County, MI providers.

  • Child Day Care Centers in Midland County, MI

    The county had 32 child day care employer establishments with 268 paid employees in 2023 (NAICS 624410), and Nonemployer Statistics counted 88 child care businesses without paid employees in 2024, a separate program that includes many in-home providers. See the child care business loans page.

    Payroll for child day care centers came to $5.7 million across 268 paid employees in 2023, or about $21,200 a head (our arithmetic).

Building Services and Related Sectors Around Midland, MI

Mowers, trailers and crew wages.

Lines of work we cover

  • Landscaping & Lawn Care

    Lawn care business loans in Midland, MI: mower and trailer financing, crew payroll and buying a lawn care or landscaping business in Midland County, MI.

  • Landscaping and Janitorial Services in Midland County, MI

    Landscaping services had 26 employer establishments in 2023, 73.1% with fewer than five employees, and janitorial services 14 (NAICS 561730 and 561720). Mowers, trailers and floor machines are equipment purchases. See the lawn care business loans page.

    Payroll for landscaping services firms came to $5.3 million across 126 paid employees in 2023, or about $42,100 a head (our arithmetic). The 2024 Nonemployer Statistics file, kept separate here, shows 177 janitorial services firms working without employees, at about $17,900 in average receipts (our arithmetic).

Salons and Fitness Studios Around Midland, MI

Stations, chairs and small operators.

  • Beauty Salons and Fitness Centers Around Midland, MI

    The county had 14 beauty salons and 9 fitness and recreational sports centers with employees in 2023; Nonemployer Statistics counted 183 beauty salons without paid employees in 2024, a separate count. Stations, chairs and machines suit equipment financing; a refit can be a term loan.

    Payroll for beauty salons came to $2.7 million across 76 paid employees in 2023, or about $35,000 a head (our arithmetic).

Hotels, Printers and Machine Shops in Midland County, MI

Rooms, presses and long jobs.

  • Hotels, Printers and Fabricators in Midland County, MI

    Smaller groups in the 2023 county counts: 8 hotels and motels, 6 printing businesses and 4 fabricated metal manufacturers, including machine shops. Room refits, presses and machine tools are long-lived purchases suited to term loans or equipment financing.

    Payroll for hotels and motels came to $11.7 million across 417 paid employees in 2023, or about $28,100 a head (our arithmetic). The 2024 Nonemployer Statistics file, kept separate here, shows 5 printing firms working without employees, at about $40,200 in average receipts (our arithmetic).

In short

Elmwater Capital, based in Midland, Michigan, groups funding notes by industry for Midland County: contractors, stores, restaurants, medical and dental practices, auto shops, accounting firms, daycares and lawn crews, each with Census counts. Partners look at businesses in most trades, and each one decides on its own terms.

Restaurants and Physician Practices in Midland County, MI

Two of the county's larger sector groups have their own pages. Restaurants: 43 full-service and 66 limited-service employer establishments, 109 by our sum (CBP 2023, NAICS 722511 and 722513). Physician offices: 77, with 786 paid employees (CBP 2023, NAICS 6211). Counts below are Midland County, MI employer establishments from County Business Patterns 2023 unless another program is named; Nonemployer Statistics 2024 counts businesses without payroll and is never added to them.

By Elmwater Capital ยท Updated

Not Sure Which Structure Fits Your Trade?

Call (989) 265-5798, name the trade and say what the money must cover.

Call (989) 265-5798Request Funding
Call (989) 265-5798Request