Port Huron Business Loans: St. Clair County, MI Facts, Local Lenders and Dental Offices

This page adds the local counts: ZIP 48060 held 884 employer establishments in 2023, led by health care and retail.

Port Huron business loans: what St. Clair County, MI machine shops compare first

A machine shop in Port Huron comparing business loans usually starts with the machine or the gap. If a new mill or a press brake is the purchase, an equipment loan or lease is the first thing to price, because the machine secures it. If the problem is a customer paying in 60 days while payroll runs every two weeks, the comparison is between a working capital loan and a credit line. If the shop is being bought, it is a term loan, often alongside equipment financing.

The second comparison is the total cost. Two offers for the same machine can differ in term, rate, fees and down payment; the honest way to compare them is the total of all payments plus fees. Manufacturing carried $554.1 million in annual payroll in St. Clair County, MI in 2023 across 208 employer establishments (County Business Patterns), so a shop asking for money is often asking on behalf of a sizable crew.

ZIP 48060 employer counts behind this Port Huron, MI page

In the 2023 ZIP Code Business Patterns file, 884 employer establishments gave a ZIP 48060 address, employing 16,352 people and $836.4 million in annual payroll; 40.3% of them had fewer than five employees. ZIP 48060 reaches beyond the city line: Port Huron covers 38.1% of the ZIP's land, so these are ZIP figures, not city-limit figures.

Health care and social assistance had the most establishments in the ZIP (168), followed by retail trade (139). The American Community Survey (2020-2024) puts 7.6% of Port Huron's employed residents in their own business (margin of error 1.5 points): 1.4% in an incorporated business and 6.1% in an unincorporated one.

St. Clair County, MI sectors ranked three ways: establishments, paid employees and payroll

St. Clair County, MI had 3,080 employer establishments in 2023, with 41,206 paid employees and $2.08 billion in annual payroll (County Business Patterns). The order of sectors depends on the measure:

• By establishments: retail trade 461, construction 428, health care and social assistance 425, accommodation and food services 289.
• By paid employees: manufacturing 9,038, health care and social assistance 8,154, retail trade 6,157, accommodation and food services 5,337.
• By annual payroll: manufacturing $554.1 million, health care and social assistance $401.3 million, retail trade $214.4 million, construction $179.1 million.

Just over half the county's employers are small: 1,565 of the 3,080, or 50.8%, had fewer than five employees. Nonemployer Statistics, a separate Census program, counted 11,645 St. Clair County businesses without paid employees in 2024. The county's self-employment rate in the American Community Survey (2020-2024) is 9.2% (margin 0.8), against 8.6% for Michigan (margin 0.1).

What Port Huron, MI physician offices and restaurants can borrow for

A physician office in Port Huron can borrow for an ultrasound or spirometry unit, exam-room fit-outs, an EHR upgrade, a second suite, or the payroll gap while insurance claims for a new service are processed. A restaurant can borrow for a hood system, refrigeration, a remodel, buying an existing restaurant, or weekly food orders on a credit line.

For St. Clair County, MI in 2023, County Business Patterns counted 140 offices of physicians, 52 of them in ZIP 48060, and 110 full-service and 105 limited-service restaurants, of which 30 and 28 had ZIP 48060 addresses (ZIP Code Business Patterns). Medical practice loans and restaurant loans go through each use in turn.

Business lenders near Port Huron, MI: banks, credit unions and online lenders for machine shops

Business lenders near Port Huron, MI come in a few kinds. Banks and credit unions with branches in the county often lend to businesses that already bank with them, often with collateral and a few years of returns. Online lenders review bank statement data and may offer shorter terms. Equipment dealers and their finance arms fund the machines they sell, and some specialty lenders focus on used machinery or particular trades.

Finance and insurance counted 148 employer establishments in St. Clair County, MI in 2023, and depository credit intermediation (banks, savings institutions and credit unions) 44 of them (County Business Patterns). A machine shop can ask its own bank and send a request through Frosthaven Funding, then compare the offers. Frosthaven passes requests to funding partners; the partner reviews and decides.

Business loans in Michigan and where Port Huron, MI landscapers fit

Landscaping is an equipment-heavy and crew-heavy trade in Michigan as elsewhere: mowers, loaders, trailers and trucks are financed over years, while crew pay and material orders come up every week. For St. Clair County, MI in 2023, County Business Patterns counted 79 landscaping services employers, 6 of them in ZIP 48060, and 75.9% of the county's landscaping employers had fewer than five employees.

Landscaping equipment financing in Port Huron, MI covers equipment, buying a landscaping business and payroll.

Leasing commercial property in St. Clair County, MI as an auto shop

Leasing commercial property in St. Clair County as an auto shop means checking more than the rent. Zoning has to allow auto repair at the address, the building needs bay doors, floor drains and enough power for lifts and compressors, and the lease should say who pays for those changes. A lease that runs at least as long as any loan for the build-out keeps a lender comfortable.

Some addresses with a Port Huron mailing address sit in Port Huron Charter Township, a separate jurisdiction with its own building department, rather than in the city. Confirm which one applies before signing. The Port Huron, MI zoning and building guide lists questions to settle before a lease.

Frosthaven Funding's listed Port Huron, MI office and phone line

Frosthaven Funding's listed office is at 802 Military St, Port Huron, MI 48060. The phone line is (810) 379-6997, and the online form is on every page. No email address is published.

Related pages: towns across St. Clair County, MI, the Marysville, MI page, the industry pages, the guides and the contact page.

Fields of Business Partners Review Based in Port Huron, MI

Most kinds of Port Huron, MI business can be put in front of a partner, with contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock included. The partner working on a request decides independently, whatever the industry.

Statements and Records to Collect for Owners Based in Port Huron, MI

• Bank statements in the business's name as full statements, not summaries
• A copy of the last business return on file, and the owners' personal returns if needed
• A year-to-date profit and loss summary with a balance sheet, even a self-prepared one
• Government photo identification for every member or partner who owns part of the company
• A short schedule of current debts, with lender names and payment amounts
• When the money buys a machine, its quote with price, model and seller details

Each partner names the files it wants, so expect a few extra questions.

What Follows a Request for Businesses Near Port Huron, MI

1. Give (810) 379-6997 a call or send the form with a line about the purpose and timing.
2. The request moves on to partners that work with businesses like yours.
3. Each partner looks through the details and sets any terms itself.
4. Should an offer come, compare its total cost and conditions; the decision to accept stays with you.

Port Huron, MI companies can do everything by phone or online, with no visit needed.

By Frosthaven Funding · Updated October 24, 2026