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.
Essexville, MI and Hampton Township, MI Beside Bay City, MI
Essexville, MI sits about 2.6 miles from the Harbordale office. ZIP 48732, its mailing ZIP, had 142 employer establishments in 2023, and health care and social assistance led its sectors with 29, ahead of retail trade with 20 (ZIP Business Patterns). Essexville covers only about 5.3% of that ZIP's land, so the ZIP count describes a far wider area than the city itself. Hampton Township is part of the same Bay County, MI neighborhood of townships.
Requests from either place follow the same path as one from Bay City.
Bangor Township, MI and Munger, MI Within Bay County, MI
Bangor Township and the community of Munger are both in Bay County, MI. They have no separate Census business counts in this site's data, so county figures are the closest guide: 2,044 employer establishments countywide in 2023, 44.3% of them with fewer than five employees (County Business Patterns).
A practice, a station or a store in either place can call or send the form like any other Bay County business.
Tuscola County, MI Storefront Property and the Cost of a Fuel Station Purchase
Buying commercial property in a Tuscola County, MI town such as Vassar, Fairgrove or Unionville, or buying a business that owns its building, brings real estate into the deal. A fuel station purchase, for example, can include the land, the building, the canopy, tanks and dispensers, and the store inventory, each valued separately. Lenders often fund the real estate on a longer schedule than the equipment and the stock.
Bay County figures do not describe these towns, which lie in another county. Tuscola County is served by the Michigan SBDC's I-69 Trade Corridor Region rather than the Lake Huron Region that covers Bay County.
The gas station loans page goes through a station purchase step by step.
Vassar, MI Businesses: ZIP 48768 Counts for Agencies and Shops
Vassar, MI, about 22.2 miles from the office in Tuscola County, MI, gets its mail through ZIP 48768, which had 127 employer establishments in 2023. Retail trade led with 25 and construction followed with 23; finance and insurance, the sector that includes agencies, had 4 (ZIP Business Patterns).
Vassar covers about 2.0% of that ZIP's land, so the counts describe the surrounding area as much as the city.
Reese, MI Businesses: Physician Offices, Dental Offices and Their Funding Needs
Reese, MI, a village about 14.2 miles from the office, spans Saginaw and Tuscola counties. ZIP 48757 had 70 employer establishments in 2023, with construction leading at 13 and health care and social assistance at 3 (ZIP Business Patterns). Practices there are few, but the funding questions are the same as anywhere: equipment, payroll gaps and transitions.
Reese covers only about 2.5% of its ZIP's land, and Bay County figures do not describe it.
Fairgrove, MI, Unionville, MI and Sebewaing, MI in the Thumb
Fairgrove and Unionville, both villages in Tuscola County, MI, and Sebewaing, a village in Huron County, MI, are among the farther towns on this page, about 18.1 to 23.8 miles out. Their ZIPs are small: 26 employer establishments in ZIP 48733 (Fairgrove), 33 in ZIP 48767 (Unionville) and 69 in ZIP 48759 (Sebewaing) for 2023 (ZIP Business Patterns).
In each case the village covers only a few percent of its ZIP's land, so the counts describe the countryside around it as much as the village.
One Request Path for Every Town on This Page
A request from any of these towns starts the same way: a call to (989) 265-5884 or the request form, a conversation about the expense and its timing, and a review by a funding partner. The Bay City, MI page has the office ZIP and county figures.
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