Everwick Lending Group, a small-business funding service in Pontiac, Michigan, groups funding notes by industry: kitchens, practices, salons and gyms, repair bays and lawn crews, stores, child care and hotels, contractors and machine shops, and professional offices. Fourteen industries have full pages; the rest are covered here with County Business Patterns counts.
Every Oakland County, MI Trade Can Ask, Page or No Page
A request can come from any trade, shop, practice or office in Oakland County, by phone or form, and partners consider a wide range of businesses. Fourteen industries have full pages because the county has enough employers in each and owners search for funding in those trades. The notes below cover those fourteen and a set of other sectors, each with Census counts. Whatever the trade, the request starts the same way: the purpose, the date and what repays it.
Restaurants and Dental Practices in Oakland County, MI
Dental offices and restaurants both carry costly equipment, but their cash arrives differently: a kitchen takes card payments every day, while a dental office waits on insurers. Oakland County had 777 dental office employers with 6,533 employees in 2023 (Census Bureau, County Business Patterns 2023). Chairs, imaging, milling units and buying a practice lead their requests; the dental office loans page covers each.
Restaurants and Salons, Nail Salons and Barber Shops in Oakland County, MI
Salons share the restaurant pattern of daily card deposits and a build-out up front. The county had 447 beauty salons, 61 nail salons and 34 barber shops with employees in 2023 (Census Bureau, County Business Patterns 2023), and far more without payroll in 2024: 3,779 beauty salons and 1,391 nail salons (Census Bureau, Nonemployer Statistics 2024, a separate program). The salon business loans page covers stations, chairs and buying an existing salon.
Restaurants and Gyms and Fitness Studios in Oakland County, MI
Gyms and fitness studios had 199 employer establishments with 4,521 employees in Oakland County in 2023 (Census Bureau, County Business Patterns 2023). Like restaurants, they carry a large equipment list and a build-out before the first member walks in, then fund payroll from recurring dues. Treadmills, racks, flooring and buying an existing gym are covered on the gym business loans page.
Physician Practices and Dental Practices in Oakland County, MI
Physician offices are the larger of the two practice groups: 1,664 employers with 18,839 employees and $1,505.6 million in payroll in 2023, against 777 dental offices (Census Bureau, County Business Patterns 2023). Both fund imaging and exam equipment, build-outs and practice purchases, and both wait on insurer payments while paying staff. The medical practice loans page covers physicians.
Practice purchases from retiring physicians are a term-loan purpose.
Full-service and counter-service kitchens in Oakland County, MI
Oakland County had 1,112 full-service and 1,202 limited-service restaurant employers in 2023, 2,314 in all (our sum of the two codes), with 44,726 employees between them (our sum) (Census Bureau, County Business Patterns 2023). Kitchen lines, walk-in coolers, payroll between deposits and buying an existing restaurant are the main purposes; the restaurant loans page covers each.
Bars added 99 more employers in 2023 (CBP).
Repair bays and parts in Oakland County, MI
Oakland County had 673 auto repair and maintenance employers with 4,924 employees in 2023, and 827 repair businesses without payroll in 2024 (Census Bureau, County Business Patterns 2023; Census Bureau, Nonemployer Statistics 2024). Two-post and four-post lifts, alignment machines, scan tools and parts on hand are the purposes; the auto repair shop loans page covers them.
Shop purchases from retiring owners are term-loan purposes too.
Lawn, landscape and snow crews in Oakland County, MI
Oakland County had 647 landscaping employers with 3,209 employees in 2023, 74.3% of them with fewer than five employees, and 1,975 landscaping businesses without payroll in 2024 (NES, a broader code). Mowers, trailers, skid steers and truck-mounted plows are financed items; the landscaping equipment financing page covers them.
Crews with no payroll can still ask; partners read the owner's deposits and returns.
Supermarkets, Liquor Stores and Corner Grocers in Oakland County, MI
Oakland County had 307 grocery store employers with 10,500 employees in 2023; that Census code includes 89 convenience stores, leaving 218 other grocers (our arithmetic) (Census Bureau, County Business Patterns 2023). Coolers, shelving, stock and buying an existing store are the purposes; the grocery store loans page covers grocers and liquor stores.
Liquor license transfers add approval steps to a store purchase.
Child care centers in Oakland County, MI
Oakland County had 277 child day care employers with 3,814 employees in 2023, and 1,275 child care providers without payroll in 2024 (Census Bureau, County Business Patterns 2023; Census Bureau, Nonemployer Statistics 2024, a broader code). Payroll ahead of tuition and subsidy payments, classroom build-outs and vans are the purposes; the daycare center financing page covers them.
Licensed capacity and enrollment records sit beside the bank statements in a request.
Rooms, Lobbies and FF&E at Oakland County, MI Hotels
Oakland County had 164 hotel and motel employers with 3,381 employees in 2023 (Census Bureau, County Business Patterns 2023). Renovations, furniture, fixtures and equipment, and working capital while rooms are out of service are the purposes this site covers; property mortgages are not among them. The hotel loans page explains the difference.
Renovation timing and room revenue during the work are what a partner reads first.
Stores of every size in Oakland County, MI
Retail had 4,461 employer establishments in Oakland County in 2023, with 70,092 employees (Census Bureau, County Business Patterns 2023), and 8,444 retail businesses without payroll in 2024 (Census Bureau, Nonemployer Statistics 2024). Clothing, furniture, building materials and health and personal care stores are among them. Stock, fixtures and buying a going store lead their requests; see the retail business loans page.
General Builders and Trade Crews in Oakland County, MI
Oakland County had 2,877 construction employers in 2023, 64.3% with fewer than five employees, and 9,999 construction businesses without payroll in 2024 (Census Bureau, County Business Patterns 2023; Census Bureau, Nonemployer Statistics 2024). Materials before a draw, crews between invoices and heavy equipment are the purposes; the construction business loans page covers contractors.
Retainage held on finished jobs shows up as receivables a partner can read.
CNC Cells and Fab Shops in Oakland County, MI
Fabricated metal product manufacturing, the Census group that includes machine shops, had 371 employers with 9,371 employees and $638.3 million in payroll in Oakland County in 2023 (Census Bureau, County Business Patterns 2023). CNC mills and lathes, press brakes and receivables from manufacturing customers are the purposes; the machine shop loans page covers them.
Long payment terms from manufacturing customers make receivables a central record.
Litigation and Practice Offices in Oakland County, MI
Oakland County had 1,330 legal services employers with 10,888 employees and $1,231 million in payroll in 2023, 66.4% with fewer than five employees (Census Bureau, County Business Patterns 2023). Payroll between settlements and fee collections, office build-outs and buying a retiring lawyer's practice are the purposes; the law firm loans page covers them.
Contingency fees arrive unevenly, which a line of credit can carry.
Plumbing, HVAC and electrical contractors
Specialty trades are counted within construction: Oakland County had 370 plumbing, heating and air conditioning contractors with 4,998 employees and 274 electrical contractors with 4,405 employees in 2023 (Census Bureau, County Business Patterns 2023). Service vans, materials bought before a job is billed and payroll between progress payments are their purposes. Working capital and equipment financing cover those purposes.
Service vans fit equipment financing.
Accounting and insurance offices
Oakland County had 811 accounting, tax preparation and payroll service employers and 827 insurance agency employers in 2023 (Census Bureau, County Business Patterns 2023, NAICS 5412 and 5242). These offices fund payroll between client billings, office build-outs and the purchase of another firm's client book. A term loan fits a purchase; a line of credit fits uneven billing cycles across the year.
Chiropractic, Therapy and Eye Care Practices in Oakland County, MI
Oakland County had 1,204 employer practices of other health practitioners in 2023, 68.1% with fewer than five employees, and 3,965 without payroll in 2024 (Census Bureau, County Business Patterns 2023; Census Bureau, Nonemployer Statistics 2024). Treatment tables, exam lanes, therapy equipment and a second treatment room are their purposes, and insurer payments arrive on their own schedule. Equipment financing and working capital fit them.
Home health care agencies
Oakland County had 327 home health care employers with 12,818 employees and $547.5 million in payroll in 2023 (Census Bureau, County Business Patterns 2023). Agencies pay caregivers weekly or biweekly while payer reimbursements arrive later, so the gap is payroll against receivables. A line of credit sized to receivables fits that cycle; vehicles and scheduling systems fit equipment financing.
Animal Hospitals and Vet Clinics in Oakland County, MI
Oakland County had 152 veterinary services employers with 2,485 employees in 2023, and only 24.3% of them had fewer than five employees (Census Bureau, County Business Patterns 2023). Clinics fund digital radiography, surgical and dental equipment, kennel build-outs and practice purchases. Equipment financing fits the machines, and a term loan fits a purchase or a second location.
Practice purchases need the seller's records.
Fuel Pumps and Corner Stores in Oakland County, MI
Oakland County had 358 gasoline station employers in 2023, 56.1% with fewer than five employees, and 89 convenience store employers without fuel (Census Bureau, County Business Patterns 2023). Fuel loads and store stock are inventory purposes; pumps, coolers and canopy work are equipment purposes. Fuel supply contracts and any existing liens matter in either request.
Underground tank work is a separate question for counsel and the state.
Cleaning and janitorial companies
Oakland County had 287 janitorial service employers with 5,400 employees in 2023, and 3,478 janitorial businesses without payroll in 2024 (Census Bureau, County Business Patterns 2023; Census Bureau, Nonemployer Statistics 2024, a broader code). Commercial cleaning contracts pay monthly or on longer terms while crews are paid weekly, so payroll ahead of collections is the gap. Working capital or a line of credit fits it; floor machines and vans fit equipment financing.
Software, consulting and design firms
Professional, scientific and technical services had more employer establishments than any other Oakland County sector in 2023: 6,344 (Census Bureau, County Business Patterns 2023). Within it, computer systems design had 1,097 employers and management and technical consulting 1,206. These firms bill clients on terms and pay staff on schedule; a line of credit carries the gap, and a term loan funds an acquisition.
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