Everwick Lending Group, the Pontiac, Michigan small-business funding service, sets out Oakland County's Census business figures: employer and nonemployer counts, size classes, leading sectors, ZIP-level counts, self-employment and building permits. It also covers the lenders that serve the county and the local tax records a partner may ask about.
Oakland County, MI employers in Census figures
| Measure | Figure | Source |
|---|---|---|
| Employer establishments, 2023 | 39,792 | County Business Patterns |
| Paid employees, March 2023 | 733,671 | County Business Patterns |
| Annual payroll, 2023 | $53.21 billion | County Business Patterns |
| Employers with fewer than five employees | 20,930 (52.6%, our arithmetic) | County Business Patterns |
| Businesses without paid employees, 2024 | 133,605 | Nonemployer Statistics (separate program) |
| Housing units permitted, 2025 | 2,023 | Building Permits Survey |
Professional, scientific and technical services had more employer establishments than any other county sector in 2023 (6,344) and the largest annual payroll ($10.96 billion), followed in establishments by health care and social assistance (5,690) and retail (4,461) (Census Bureau, County Business Patterns 2023).
Which Business Lenders Serve Oakland County, MI Companies
Oakland County businesses can borrow from commercial banks, credit unions, community development lenders, online lenders, equipment finance companies and revenue-based funders. The county had 307 commercial banking establishments with 6,073 employees in 2023 (Census Bureau, County Business Patterns 2023, NAICS 522110), counting branches as well as main offices. Each kind of lender reads a request differently; the guide to Michigan lender types compares them.
Everwick Lending Group is a different route: it matches a request with funding partners, who review it and make their own decision. It does not set rates or terms. If your own bank already knows the business, ask it too, and compare written offers by total dollar cost.
Pontiac, MI Business Loans by Purpose
| Purpose | Funding type | Records a partner reads |
|---|---|---|
| Payroll before receivables clear | Working capital | Bank statements, payroll register |
| A build-out or second location | Term loan | Tax returns, project quotes |
| Gaps that come back monthly | Line of credit | Deposits, receivables aging |
| Stock bought for resale | Inventory financing | Inventory and sales reports |
| A chair, lift, mill or mower | Equipment financing | Vendor quote, cash flow |
| A short gap in a card-heavy business | Merchant cash advance (not a loan) | Card and bank deposits |
The financing options page compares all six in more depth.
What ZIP 48342 Employer Counts Show for Pontiac, MI
In 2023, 318 employer establishments listed a ZIP 48342 address; they had 6,412 employees and $383.6 million in annual payroll, and 54.7% of them had fewer than five employees (Census Bureau, ZIP Code Business Patterns 2023). The ZIP lies entirely inside Pontiac but is only one of the city's ZIP codes, so these are ZIP figures, not citywide ones.
| Sector | Employers in ZIP 48342 | Share under 5 employees |
|---|---|---|
| Retail Trade | 52 | 63.5% |
| Health Care and Social Assistance | 52 | 38.5% |
| Other Services (except Public Administration) | 34 | 47.1% |
| Construction | 32 | 56.2% |
| Professional, Scientific, and Technical Services | 26 | 57.7% |
| Administrative, support and waste services | 21 | 66.7% |
Retail and health care tied for the most employers in the ZIP (52 each), with other services (34) and construction (32) next.
Self-Employed Pontiac, MI Residents, Incorporated or Not, Beside Oakland County, MI
The American Community Survey puts self-employment at 7.6% (+/- 1.6) of employed Pontiac residents: 2.7% (+/- 1.1) in their own incorporated business and 4.9% (+/- 1.3) in an unincorporated one. The county figure is 9.4% (+/- 0.3) and the Michigan figure 8.6% (+/- 0.1) (Census Bureau, American Community Survey 2020-2024 five-year estimates).
For an unincorporated owner, business income can run through personal tax returns, and a partner will read those. A separate business bank account makes the deposits readable.
Checking the City of Pontiac, MI Income Tax Before You Apply
A partner reading a business's tax returns may see a city income tax return beside the federal and state ones, because some Michigan cities levy their own income tax. Whether a Pontiac business must file depends on its structure and where its work is done, so confirm it with the City of Pontiac's income tax office and keep the filed returns with the funding records.
Pontiac, MI Income Tax Forms
The forms an owner files with a city income tax office differ for individuals, partnerships and corporations, and for employers withholding from wages. Ask the city for the current forms and filing dates, and include the most recent filed returns when a partner asks for tax records.
Business for Sale in Oakland County, MI and the Cost of Taking One Over
Buying an existing Oakland County business means paying for its customers, staff and equipment as well as its cash flow. A term loan can fund the purchase price; a partner reads the seller's last three years of tax returns, the purchase agreement, the lease and the buyer's down payment. Inventory and equipment counted in the price should match what is on the premises.
The county's 20,930 employers with fewer than five employees in 2023 (Census Bureau, County Business Patterns 2023) include many owner-run firms, where the owner's departure is part of what a buyer must plan for. Ask whether the seller will stay on for a transition period.
Checking the Oakland County, MI Business Personal Property Tax Before You Apply
Michigan taxes business personal property, such as furniture, fixtures and equipment, through the local assessor where the property sits, with exemptions available to some smaller businesses that file for them. A partner financing equipment may ask whether those filings are current, because unpaid property taxes can become a lien on the assets.
Articles for Pontiac, MI owners
Six longer articles cover questions Oakland County owners search for: dental equipment financing, hotel renovations and FF&E, child care center expansion, CNC equipment for machine shops, nail salon financing and what sets business loan rates.
Everwick's Street Address, Phone and Map Link in Pontiac, MI
Everwick Lending Group, 170 E Pike St, Pontiac, MI 48342. Phone (248) 301-1846. Requests reach Everwick by phone or through the online form.
Oakland County publishes its own information at oakgov.com. The areas served page covers Auburn Hills, Rochester, Birmingham and other towns, the industry pages cover fourteen trades, and the zoning and permits guide covers build-outs.
Trades we serve in the Pontiac, MI area
Requests reach partners from Pontiac, MI businesses in all sorts of trades, with contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock among them. Every partner that sees the request looks at the full picture before deciding anything.
Papers and statements partners may ask Pontiac, MI owners for
- Recent statements for the main business account, often three to six months' worth
- An updated profit and loss statement and a balance sheet as of the same date
- A current government photo ID for each owner and co-owner
- The documents that formed the company, with the EIN on hand
- A list of the loans and leases already in place plus the monthly payment on each
- For an equipment purchase, the vendor's quote, including the full price
Each partner keeps its own document checklist; this list is a general outline.
The path after an inquiry from Pontiac, MI
- Call the office at (248) 301-1846 or submit the form with your time in business and rough revenue.
- After that, the request goes to partners that fund the use you named.
- The partner looks over the request and decides on its own criteria.
- Weigh the full cost, the payment schedule and the terms of any offer, then decide for yourself.
Owners of Pontiac, MI businesses can complete each step remotely, by phone or online.
By Everwick Lending Group · Updated