Frosthaven Funding in Port Huron, Michigan takes requests from businesses of many kinds. Twelve trades have their own page, chosen from Census counts and search demand; others are covered here.
Daycare center funding: classrooms and payroll at Port Huron, MI centers
For St. Clair County, MI in 2023, County Business Patterns counted 20 child day care employers, with 246 paid employees, and 11 of them (55%) had fewer than five employees. Kept separate from those figures, Nonemployer Statistics listed 204 no-payroll child care businesses in the county for 2024. A center's funding needs are classrooms and payroll: furniture, playground equipment and a van on equipment financing, a build-out on a term loan, and payroll while enrollment fills on working capital.
Hotel renovation financing: how it works for Port Huron, MI hotels
Traveler accommodation (hotels, motels, inns and similar lodging, NAICS 7211) counted 18 employer establishments in St. Clair County, MI for 2023, with 283 paid employees; 10 had a ZIP 48060 address (County Business Patterns, ZIP Code Business Patterns). A renovation that replaces bathrooms, flooring and HVAC is building work and usually a term loan; rooms out of service during the work lower revenue, which belongs in the request. Business term loans explains the structure.
Hotel FF&E financing: how it works for Port Huron, MI hotels
FF&E stands for furniture, fixtures and equipment: beds, case goods, televisions, PTAC units, lobby furniture and laundry equipment. Unlike a renovation, FF&E can be financed against its own value, often on an equipment loan or lease with a term set to its working life. A hotel combining a renovation and an FF&E refresh can request both, priced separately, so the short-lived items are not paid off over the building work's longer term.
Insurance agency acquisition loans in Port Huron, MI: what insurance agencies compare
Insurance agencies (NAICS 524210) counted 54 employer establishments in St. Clair County, MI for 2023, with 233 paid employees, and 16 had a ZIP 48060 address. Buying an agency means buying its book of business; a partner looks at renewal rates, commission statements by carrier, and the agreement with the seller, including any retention terms. A term loan is the usual tool, sometimes with a seller note.
Salons and barbers counted in St. Clair County, MI
Beauty salons with paid employees numbered 19 in St. Clair County, MI in 2023 (County Business Patterns, NAICS 812112), with 69 paid employees. County Business Patterns publishes no county row for barber shops or nail salons. Nonemployer Statistics, which counts only businesses with no payroll, listed 449 beauty salons, 83 nail salons and 33 barber shops in the county for 2024. Which loan fits a salon compares equipment loans, working capital and card-sales advances.
Gyms and fitness studios: a small employer count in St. Clair County, MI
Fitness and recreational sports centers counted 8 employer establishments in St. Clair County, MI for 2023, with 230 paid employees (County Business Patterns, NAICS 713940). That is below the count this site uses for a page of its own. Gym equipment, racks, cable machines and turf, is covered under equipment financing, and a build-out of locker rooms in leased space under term loans. Nonemployer Statistics reports no-payroll counts only at the broader amusement and recreation level (NAICS 7139), 72 in 2024.
Plumbing, HVAC and electrical contractors across St. Clair County, MI
Building equipment contractors (NAICS 2382) counted 95 employer establishments in St. Clair County, MI for 2023: 51 plumbing, heating and air-conditioning contractors (NAICS 238220) and 39 electrical contractors (NAICS 238210) among them (County Business Patterns). Their needs mirror a builder's: vans and tools on equipment financing, material and payroll between jobs on a credit line. Financing for contractors in Port Huron, MI covers both.
Finishing trades and site prep crews in St. Clair County, MI
Building finishing contractors (drywall, flooring, painting, tile and finish carpentry, NAICS 2383) counted 51 employer establishments in St. Clair County, MI for 2023, and 40 of them had fewer than five employees. Site preparation contractors (NAICS 238910) counted 27. Site prep crews buy the heaviest machines in the trade, excavators, dozers and dump trucks, which suit equipment financing; finishers borrow more often for vans, tools and material.
Health and personal care stores, grocers and building supply dealers in St. Clair County, MI
Health and personal care stores, a group that includes pharmacies, counted 39 employer establishments in St. Clair County, MI for 2023 (NAICS 4461). Grocery stores counted 39 as well, a figure that includes 18 convenience stores, and building material and garden equipment and supplies dealers counted 44 (County Business Patterns). All three carry stock, which suits inventory financing or a credit line; business loans for retail covers stores in more depth.
Law offices and insurance desks in Port Huron, MI and the county
Legal services counted 28 employer establishments in St. Clair County, MI for 2023, 26 of them offices of lawyers (NAICS 541110), and 18 had a ZIP 48060 address. A law office borrows much as an accounting firm does: for a partner buyout, an office move or a gap while fees are collected, usually on a term loan or a line. Insurance agencies are covered above. Accounting firm loans sets out the options for professional offices.
Machine shops inside the St. Clair County, MI manufacturing count
Fabricated metal product manufacturing counted 62 employer establishments in St. Clair County, MI for 2023. Within it, the four-digit group for machine shops, turned products and screws, nuts and bolts (NAICS 3327) counted 32, and machine shops alone (NAICS 332710) 22 (County Business Patterns). Machine shops have no page of their own because the manufacturing equipment financing page covers them: mills, lathes, press brakes and material.
How the St. Clair County, MI trade counts on these pages were chosen
Each industry page on this site is built on County Business Patterns counts for St. Clair County, MI (2023): a trade gets a page when the county has at least 25 employer establishments at its own industry code and owners search for funding in that trade. Smaller trades are covered in the notes on this page. Nonemployer Statistics counts appear beside them as a separate program, never added to the employer counts.
Related pages: equipment financing and the Port Huron, MI business page.
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