Trueleaf Finance, a small-business funding service in Saginaw, Michigan, takes requests from Bay City, MI owners for working capital, equipment financing, inventory financing, lines of credit and term loans. This page gives Census figures for ZIP 48706, explains how the ZIP and the city overlap, and links to the industry pages that match the ZIP's largest sectors. Saginaw County figures stay off it.
| Distance | 11 miles NNE of Saginaw, MI, give or take |
|---|---|
| County | Bay County, MI |
| Employers with payroll in ZIP 48706 (2023) | 904 (ZBP) |
| ZIP 48706 employees, 2023 | About 12,822 (ZBP) |
What ZIP 48706 Covers Beyond Bay City, MI
Bay City is in Bay County, MI, not Saginaw County, so this page uses only figures published for Bay City itself or its ZIP codes. The city's land is split between ZIP 48708 (59.0%) and ZIP 48706 (41.0%), and Bay City covers just 6.3% of ZIP 48706's land (2020 Census ZCTA-place relationship file). The counts below describe ZIP 48706 as a whole.
ZIP 48706 had 904 employer establishments in 2023 with about 12,822 employees and an annual payroll near $622.9 million; 42.5% had fewer than five employees (ZIP Business Patterns 2023). This site has no published figures for ZIP 48708.
Bay City, MI Businesses by Sector in ZIP 48706
| Sector | Establishments | Share under 5 |
|---|---|---|
| Retail trade | 168 | 30.4% |
| Health care and social assistance | 148 | 29.1% |
| Other services | 96 | 50.0% |
| Accommodation and food services | 91 | 28.6% |
| Construction | 68 | 64.7% |
| Finance and insurance | 54 | 57.4% |
| Professional and technical services | 50 | 46.0% |
| Manufacturing | 46 | 21.7% |
Retail and health care lead, and food service is also among the larger groups. The matching pages are retail and boutique funding, medical and dental practice funding and restaurant funding.
Bay City, MI Businesses for Sale and Commercial Property
Buying a Bay City business or commercial property can be a term loan request, sometimes with equipment financing for what comes with it. For a Bay City business license, confirm with the City of Bay City directly.
Self-Employment and Requests From Bay City, MI
About 6.0% (+/- 1.8) of employed Bay City residents are self-employed, nearly all in unincorporated businesses (ACS 2020-2024). Owners in Bay City can start by phone at (989) 265-5907 or with the online form. Compare structures on the funding options page, or see other towns served and the Saginaw, MI page.
Bay City, MI sectors our partners fund
Owners in Bay City, MI come from many trades and services, such as contractors and construction trades, restaurants and food service, medical and dental practices and retailers and wholesalers that carry stock. Partners review each request on its own merits.
Documents to have ready
- Business checking statements covering roughly the last quarter or two
- Business and personal tax returns for the latest year
- A driver's license or passport for each owner
- Your articles of organization or incorporation and the EIN letter
- A list of existing business debts and payments
- For equipment, the seller's quote with make, model and price
Partners differ in what they request; this list covers the usual ground.
From first call to a partner's decision
- Reach us at (989) 265-5907 or through the contact form. When we call back, the first questions are simple: what the funding is for, how long the business has operated and its rough revenue.
- We explain which funding types fit that use and what partners usually need to see. Nothing is submitted without your go-ahead.
- With your permission, we take the request to lending partners that offer that kind of funding. Each partner reviews it and makes its own credit decision.
- Any offer comes from the partner. Read the total cost, the payment schedule and the terms before deciding; turning it down is always an option.
Owners in Bay City, MI can start by phone or with the short online form; no office visit is needed.
By Trueleaf Finance · Updated
