Everwick Lending Group, the Pontiac, Michigan funding service, handles Auburn Hills requests by phone and through the online form. This page gives ZIP 48326 employer figures and sectors from ZIP Code Business Patterns, Auburn Hills self-employment from the American Community Survey, and what a partner reads before funding a build-out or equipment.
Businesses in Auburn Hills, MI: ZIP 48326 Payroll and Sector Mix
ZIP Code Business Patterns counted 1,163 employer establishments with a ZIP 48326 address in 2023, with 61,963 employees and $5,938.6 million in annual payroll (Census Bureau, ZIP Code Business Patterns 2023). That is about $95,841 per employee (our arithmetic), and 33.2% of the establishments had fewer than five employees. Auburn Hills covers about 93% of the ZIP's land, so the ZIP is a close match for the city.
The American Community Survey puts self-employment at 8.5% (+/- 2.0) of employed Auburn Hills residents: 2.7% (+/- 1.1) in their own incorporated business and 5.8% (+/- 1.7) in an unincorporated one (Census Bureau, American Community Survey 2020-2024 five-year estimates).
Auburn Hills, MI Sectors in the ZIP 48326 Counts
| Sector | Employers in ZIP 48326 | Share under 5 employees |
|---|---|---|
| Retail Trade | 202 | 29.2% |
| Professional, Scientific, and Technical Services | 139 | 30.2% |
| Accommodation and Food Services | 125 | 22.4% |
| Manufacturing | 112 | 14.3% |
| Wholesale Trade | 97 | 37.1% |
| Finance and Insurance | 80 | 52.5% |
| Health Care and Social Assistance | 79 | 40.5% |
Retail had the most employers in the ZIP (202), followed by professional services (139) and accommodation and food services (125). Manufacturing (112) and wholesale (97) follow, with only 14.3% of the manufacturers under five employees.
Premises, Permits and Funding Before an Auburn Hills, MI Build-Out
Before a lease is signed for a store, restaurant or shop, confirm that the use is allowed at that address and what permits the build-out needs. Auburn Hills runs its own zoning and building permits; ask the city before committing. A partner funding a build-out reads the lease term, the contractor's budget and the permit status, and may release money in stages as work is done.
For the funding itself, a term loan fits a one-time build-out, and equipment financing fits the machines and fixtures that can be moved. Pontiac's own process is in the Pontiac, MI zoning guide.
Working capital and equipment loans for ZIP 48326 businesses
With 202 retail and 125 food and lodging employers in the ZIP, two purposes stand out: working capital for payroll and stock between deposits, and equipment financing for kitchen lines, coolers, fixtures and vehicles. Manufacturers and wholesalers add machinery and receivables; the machine shop loans page covers machine shops.
- Recent business bank statements
- Last filed business tax return
- Vendor quote for any equipment
- Lease and build-out budget for a new space
Payroll per employee in ZIP 48326 and Oakland County, MI
Payroll per employee in ZIP 48326 was about $95,841 in 2023, against about $72,528 across Oakland County (our arithmetic from Census Bureau, ZIP Code Business Patterns 2023 and Census Bureau, County Business Patterns 2023). Those are averages across every employer in each area, not a measure of any one business. For a request, what matters is the business's own payroll register set against its own deposits, week by week, so the partner can see whether a new payment fits beside the wages.
Bring the register and the bank statements for the same months, and mark any week when payroll and a large supplier bill landed together.
Auburn Hills, MI Owners and the Pontiac, MI Office Nearby
Auburn Hills owners reach Everwick by phone at (248) 301-1846 or through the request form. The first call covers the purpose and the date; the request then goes to funding partners, who review it and decide. Nothing about the process changes because a business is outside Pontiac.
The areas served page lists the other towns, and the Pontiac, MI business data page has Oakland County's figures.
Trades we serve in the Auburn Hills, MI area
Requests reach partners from Auburn Hills, 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.
Financial records to assemble in Auburn Hills, MI
- 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 follow-up after a message from Auburn Hills, 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 Auburn Hills, MI businesses can complete each step remotely, by phone or online.
By Everwick Lending Group · Updated