Elmwater Capital, based in Midland, Michigan, takes funding requests by phone and form from across Midland County and from nearby places in Bay, Saginaw, Gladwin, Isabella and Gratiot counties. Each place's Census count is a labeled ZIP figure; funding partners review every request.
Phone and Form Requests From Every Corner of Midland County, MI
The request works the same wherever the business is: call (989) 265-5798 or send the request form, describe the expense, and Elmwater sends the request to partners that fund that kind of need. County-wide figures are on the Midland, MI data page.
Midland County, MI had 1,795 employer establishments in 2023 (CBP) and 5,755 businesses without paid employees in 2024 (Nonemployer Statistics), two separate counts.
Midland County, MI Towns Near the City of Midland, MI
Sanford, MI
Sanford is a village 8.7 miles west-northwest of the office. ZIP 48657 had 98 employer establishments in 2023, 58.2% of them with fewer than five employees (ZBP 2023); Sanford, MI covers 2.1% of that ZIP's land, so the ZIP figure is not a town count.
Coleman, MI
Coleman is a city 20.2 miles west-northwest of the office, in the western part of the county. ZIP 48618 had 66 employer establishments in 2023, 54.5% of them with fewer than five employees (ZBP 2023); Coleman, MI covers 1.2% of that ZIP's land, so the ZIP figure is not a town count.
Owners in Neighboring Counties Around Midland, MI
Auburn, MI
Auburn is a city in Bay County, 8.2 miles east of the office. ZIP 48611 had 111 employer establishments in 2023, 45.0% of them with fewer than five employees (ZBP 2023); Auburn, MI covers 2.8% of that ZIP's land, so the ZIP figure is not a town count.
Freeland, MI
Freeland, a census-designated place in Saginaw County, lies 8.9 miles southeast of the office. ZIP 48623 had 274 employer establishments in 2023, 54.0% of them with fewer than five employees (ZBP 2023); Freeland, MI covers 8.5% of that ZIP's land, so the ZIP figure is not a town count.
Hemlock, MI
Hemlock, also in Saginaw County, lies 13.0 miles south. ZIP 48626 had 95 employer establishments in 2023, 54.7% of them with fewer than five employees (ZBP 2023); Hemlock, MI covers 4.2% of that ZIP's land, so the ZIP figure is not a town count.
Merrill, MI
Merrill, a Saginaw County village, lies 14.6 miles south-southwest. ZIP 48637 had 32 employer establishments in 2023, 53.1% of them with fewer than five employees (ZBP 2023); Merrill, MI covers 1.0% of that ZIP's land, so the ZIP figure is not a town count.
Beaverton, MI
Beaverton, a Gladwin County city, sits 22.5 miles north-northwest. ZIP 48612 had 122 employer establishments in 2023, 64.8% of them with fewer than five employees (ZBP 2023); Beaverton, MI covers 0.8% of that ZIP's land, so the ZIP figure is not a town count.
Shepherd, MI
Shepherd, a village in Isabella County, sits 23.5 miles west-southwest. ZIP 48883 had 92 employer establishments in 2023, 65.2% of them with fewer than five employees (ZBP 2023); Shepherd, MI covers 0.8% of that ZIP's land, so the ZIP figure is not a town count.
Breckenridge, MI
Breckenridge, a Gratiot County village, lies 18.3 miles southwest. ZIP 48615 had 48 employer establishments in 2023, 50.0% of them with fewer than five employees (ZBP 2023); Breckenridge, MI covers 1.9% of that ZIP's land, so the ZIP figure is not a town count.
St. Louis, MI
St. Louis, a Gratiot County city, lies 23.2 miles southwest. ZIP 48880 had 112 employer establishments in 2023, 50.9% of them with fewer than five employees (ZBP 2023); St. Louis, MI covers 4.4% of that ZIP's land, so the ZIP figure is not a town count.
Requests From Outside Midland County, MI
Midland County Census figures describe Midland County only; they do not describe Bay, Saginaw, Gladwin, Isabella or Gratiot county towns. For those places, only the labeled ZIP counts above apply.
Nothing about the request changes outside the county. Describe the expense, and compare the structures on the business financing page.
By Elmwater Capital · Updated
