# Harbordale Lending Group > Harbordale Lending Group is a small-business funding broker at 25 Center Ave, Bay City, MI 48708 (phone (989) 265-5884). It helps businesses in Bay City, MI and across Bay County, Michigan, explore business lines of credit, working capital loans, business term loans, equipment loans and leases, inventory financing, and merchant cash advances. Harbordale Lending Group passes funding requests to funding partners; each partner reviews a request and makes its own credit decision, rates and terms. Harbordale Lending Group is not a lender, approval is never guaranteed, and a merchant cash advance is not a loan. Harbordale Lending Group does not arrange personal, payday, auto title, mortgage, startup or SBA loans, does not offer grants, and does not arrange funding for trucking. Key facts: - Business type: small-business funding broker (not a lender) - Address: 25 Center Ave, Bay City, MI 48708, United States - Phone: (989) 265-5884 - Apply: https://harbordalelendinggroup.com/apply/ - Service area: Bay City, MI and all of Bay County, Michigan - Language: English ## Funding options - [Compare Business Financing Options in Bay City, MI: From Claim Delays to Dental Chairs](https://harbordalelendinggroup.com/business-loans/): This page from Harbordale Lending Group in Bay City, Michigan sets six funding options side by side: what each one pays for, how it is paid back or collected, and which Bay County practices and stores it tends to suit. Funding partners set every rate and term. - [Working Capital Loans in Bay City, MI: Claim Delays, Practice Buy-Ins and Payroll](https://harbordalelendinggroup.com/business-loans/working-capital/): Harbordale Lending Group in Bay City, Michigan explains how a working capital loan covers a dated gap between bills and receipts, how it compares with a credit line or a term loan, and what Bay County practices, stations and grocers can expect a funding partner to read. - [Bay City, MI Business Term Loans: Expansions, Buyouts and Dental Chairs](https://harbordalelendinggroup.com/business-loans/term-loans/): Harbordale Lending Group, a Bay City, Michigan funding service, explains how business term loans fund a buy-in, a buyout or an expansion: how payments are scheduled, which records a funding partner reads, and how to compare offers on total dollar cost. - [Business Line of Credit in Bay City, MI: Draws for Supplier Terms and Insurance Lags](https://harbordalelendinggroup.com/business-loans/line-of-credit/): Harbordale Lending Group, a Bay City, Michigan funding service, leads with the revolving credit line because so many practices, pharmacies and stores in Bay County are paid after they spend. This page explains limits, draws, fees and renewals, and when a line is the wrong tool. - [Inventory Financing Across Bay County, MI: Clinic Supplies and Store Inventory](https://harbordalelendinggroup.com/business-loans/inventory-financing/): Harbordale Lending Group, a Bay City, Michigan funding service, explains inventory financing for Bay County grocers, pharmacies, c-stores and practices: how the loan ties to the stock, how it is paid down, and what a funding partner reads before deciding. - [Bay City, MI Business Equipment Loans: Phone Systems, Ultrasound Units and CBCT Scanners](https://harbordalelendinggroup.com/equipment-financing/): Harbordale Lending Group, a Bay City, Michigan funding service, explains equipment loans and leases for Bay County practices, grocers, stations, gyms and offices: which equipment fits which structure, how vendor quotes are read, and how to compare offers by total cost. - [Bay City, MI Merchant Cash Advance: Card-Sales Advances for Grocers and C-Stores](https://harbordalelendinggroup.com/merchant-cash-advance/): Harbordale Lending Group, a Bay City, Michigan funding service, includes the merchant cash advance in its comparison so Bay County grocers, c-stores and practices can price it openly against loans and credit lines. An advance is a purchase of future receivables, collected from card sales. ## Industries - [Bay County, MI Industry Loans, From Physician Practices to Insurance Agencies](https://harbordalelendinggroup.com/industries/): Harbordale Lending Group, a Bay City, Michigan funding service, takes requests from every local trade except trucking. This hub links six industry pages and adds Census-based notes on other Bay County, MI industries. - [Medical Practice Loans in Bay City, MI: Exam Rooms, EHR Systems and Claim Delays](https://harbordalelendinggroup.com/industries/medical-practices/): Harbordale Lending Group passes funding requests from Bay City, Michigan physician offices to funding partners. This page covers Bay County practice counts, claim-gap credit lines, equipment, buy-ins and the records a partner may read. - [Bay City, MI Dental Office Loans: Imaging Upgrades and Practice Transitions](https://harbordalelendinggroup.com/industries/dental-practices/): Dental office funding requests from Bay City, Michigan go from Harbordale Lending Group to funding partners for review. This page covers Bay County dental office counts, imaging and operatory equipment, transitions and acquisitions, and lab-bill credit lines. - [Grocery Store Loans for Bay City, MI Grocers: Meat-Counter Equipment and Bulk Buys](https://harbordalelendinggroup.com/industries/grocery-stores/): Harbordale Lending Group passes funding requests from Bay City, Michigan grocers and c-stores to funding partners. This page covers Bay County store counts, refrigeration, meat and deli equipment, wholesale orders, liquor sales and store purchases. - [Chiropractic Practice Loans Across Bay County, MI: Therapy Equipment and Insurance Lags](https://harbordalelendinggroup.com/industries/chiropractors-and-therapists/): Harbordale Lending Group passes funding requests from Bay County, Michigan chiropractic, physical therapy and other practitioner offices to funding partners. This page covers practitioner counts, equipment, build-outs and insurance timing. - [Gas Station Loans in Bay City, MI: Fuel Dispensers, Reach-In Coolers and Store Remodels](https://harbordalelendinggroup.com/industries/gas-stations-convenience-stores/): Harbordale Lending Group passes funding requests from Bay County, Michigan fuel retailers and convenience stores to funding partners. This page covers station counts, equipment, store funding, station purchases and card-sales advances. - [Bay City, MI Insurance Agency Loans: Agency Acquisitions and Commission Timing](https://harbordalelendinggroup.com/industries/insurance-agencies/): Harbordale Lending Group passes insurance agency funding requests from Bay City, Michigan to funding partners. This page covers Bay County agency counts, acquisitions, office moves, producer hiring and the records a partner may read. ## Guides and calculators - [Business Loan Guides for Bay City, MI Physician Practices and Dental Offices](https://harbordalelendinggroup.com/resources/): Harbordale Lending Group, a funding service in Bay City, Michigan, keeps these guides for practices, stores and agencies preparing a funding request, a build-out or an entity record check. - [Bay City, MI Zoning Map and Building Permits Before a Clinic or Store Build-Out](https://harbordalelendinggroup.com/resources/bay-city-mi-zoning-and-building-permits/): This guide from Harbordale Lending Group in Bay City, Michigan points to the city and county offices that handle zoning and building questions. Each office decides its own applications; confirm current rules and fees with that office. - [Michigan Certificate of Good Standing: Ordering One From LARA Before a Loan Closes](https://harbordalelendinggroup.com/resources/michigan-certificate-of-good-standing/): This guide from Harbordale Lending Group in Bay City, Michigan explains the certificate of good standing issued by the Michigan Department of Licensing and Regulatory Affairs (LARA), how it is ordered and why lenders ask for it. LARA sets the rules and fees; confirm them with LARA. - [Insurance Agency Line of Credit Calculator for Bay City, MI: Draw, Rate and Payoff Months](https://harbordalelendinggroup.com/resources/insurance-agency-line-of-credit-calculator/): This calculator from Harbordale Lending Group in Bay City, Michigan estimates what a credit line draw costs when it is paid down on a schedule you choose. It is arithmetic on your own inputs, not an offer; funding partners set real rates and terms. ## Areas served - [Business Loans in Bay City, MI for Physician Practices, Dental Offices and Grocers](https://harbordalelendinggroup.com/bay-city-mi/): From its Bay City, Michigan office, Harbordale Lending Group works on small-business funding requests. This page collects Census counts for ZIP 48708 and Bay County, MI, explains the lender types open to local owners, and points to public business help. - [Business Loans Across Bay County, MI: Dental Offices and Grocers Beyond Bay City, MI](https://harbordalelendinggroup.com/service-areas/): Harbordale Lending Group in Bay City, Michigan takes funding requests from towns across Bay County and nearby Tuscola and Huron counties. ZIP counts on this page describe ZIP areas, not town limits. ## Company - [Small Business Loans in Bay City, MI: Physician Practices, Dental Offices and Grocers](https://harbordalelendinggroup.com/): Harbordale Lending Group is a Bay City, Michigan small-business funding service built around timing. It asks when a bill is due and when the money to pay it arrives, narrows six funding options to the ones that fit those dates, and passes the request to funding partners, who decide on approval, amount and price. - [How to Get a Business Loan in Bay City, MI: Intake Call to Funded Request](https://harbordalelendinggroup.com/how-it-works/): This page from Harbordale Lending Group in Bay City, Michigan lays out how a funding request moves: the first conversation, the records a funding partner may ask for, the partner's review, and the owner's decision on any offer. - [Business Loan Questions From Bay City, MI Physician Practices and Dental Offices](https://harbordalelendinggroup.com/faq/): Harbordale Lending Group, a Bay City, Michigan funding service, answers common funding questions here. Funding partners make every approval decision and set every rate and term. - [Harbordale Lending Group in Bay City, MI: Who Arranges Funding for Physician Practices](https://harbordalelendinggroup.com/about/): Harbordale Lending Group, based in Bay City, Michigan, helps Bay County practices, pharmacies, grocers, stations and agencies compare six funding options, then passes requests to funding partners that review them and set any terms. - [Contact Harbordale Lending Group: Business Loans for Bay City, MI Physician Practices](https://harbordalelendinggroup.com/contact/): Funding requests reach Harbordale Lending Group two ways, the phone line and an online form. This page gives the phone number and office address and the questions to think through before calling. - [Apply for Business Funding in Bay City, MI: Dental Offices, Grocers and Other Owners](https://harbordalelendinggroup.com/apply/): The Harbordale Lending Group request form asks for a name, phone, email, an optional company name and three ranges: time in business, annual revenue and the amount requested. - [Disclosures for Harbordale Lending Group, Bay City, MI](https://harbordalelendinggroup.com/disclosures/): Harbordale Lending Group in Bay City, Michigan is a funding broker, not a lender. ## Optional - [Full text of every page](https://harbordalelendinggroup.com/llms-full.txt): plain-text version of the site for AI assistants - [Sitemap](https://harbordalelendinggroup.com/sitemap.xml)