Everwick Lending Group, the Pontiac, Michigan funding service, handles Birmingham requests by phone and through the online form. This page gives ZIP 48009 employer figures and sectors from ZIP Code Business Patterns, Birmingham self-employment from the American Community Survey, and notes on restaurant equipment, physician practices, commercial space and the records partners read.
Birmingham, MI's ZIP 48009 in 2023 Census Figures
For 2023 the Census counted 1,363 employer establishments at ZIP 48009 addresses, employing 17,066 people with $1,333.7 million in annual payroll; 57.3% had fewer than five employees (Census Bureau, ZIP Code Business Patterns 2023). Nearly all of ZIP 48009's land, about 95%, lies inside Birmingham.
| Sector | Employers in ZIP 48009 | Share under 5 employees |
|---|---|---|
| Professional, Scientific, and Technical Services | 297 | 67.7% |
| Retail Trade | 157 | 45.2% |
| Health Care and Social Assistance | 151 | 60.9% |
| Finance and Insurance | 147 | 53.7% |
| Other Services (except Public Administration) | 120 | 55.0% |
| Real Estate and Rental and Leasing | 109 | 74.3% |
| Accommodation and Food Services | 85 | 15.3% |
The American Community Survey puts self-employment at 12.3% (+/- 1.9) of employed Birmingham residents, 7.2% (+/- 1.5) of them in their own incorporated business, against 9.4% (+/- 0.3) countywide (Census Bureau, American Community Survey 2020-2024 five-year estimates).
Equipment and Payroll Needs Among Birmingham, MI Restaurant Owners
The ZIP had 85 accommodation and food services employers in 2023, and only 15.3% of them had fewer than five employees (Census Bureau, ZIP Code Business Patterns 2023), a lower small-firm share than any other sector in the ZIP. Larger crews mean larger payrolls between deposits, which is a working capital purpose, and kitchen replacements are an equipment financing purpose.
The restaurant loans page covers both in depth, along with buying an existing restaurant.
Birmingham, MI Commercial Real Estate and Funding Timelines
Real estate businesses had 109 employers in the ZIP, 74.3% of them with fewer than five employees (Census Bureau, ZIP Code Business Patterns 2023). For a tenant moving into new space, the funding questions are the build-out, the fixtures and the months of payroll before the new location earns. No funding timeline can be promised: it depends on the partner, the completeness of the records, and whether permits and landlord consents are in hand.
A term loan fits a one-time build-out; property purchases are real estate loans and are not among Everwick's six types.
Licenses and Certificates Partners Ask Birmingham, MI Owners For
- Michigan entity filing showing the business is active
- Assumed name certificate, if the business trades under another name
- The professional license for the trade: medical, dental, cosmetology or others
- Certificate of occupancy for a new or renovated space
- Liquor license details for a restaurant that serves alcohol
A partner may ask for any of these to confirm the business can legally operate in the space being financed.
Birmingham, MI Physician Practices: Funding Paths to Weigh
Health care and social assistance had 151 employers in the ZIP in 2023 (Census Bureau, ZIP Code Business Patterns 2023). For a physician practice, the funding paths are equipment financing for exam and imaging equipment, a term loan for a build-out or buying a retiring physician's practice, and a line of credit for gaps while insurer payments arrive. The medical practice loans page covers each.
Birmingham owners call (248) 301-1846 or send the request form; partners review the request and decide. 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 Birmingham, MI area
Requests reach partners from Birmingham, 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 Birmingham, MI
- Recent statements for the main business account, often three to six months' worth
- The business tax return for the latest year, ideally with every schedule attached
- 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
- 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 Birmingham, 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 Birmingham, MI businesses can complete each step remotely, by phone or online.
By Everwick Lending Group · Updated