Trueleaf Finance, a small-business funding service in Saginaw, Michigan, takes requests from Freeland, MI owners for equipment financing, lines of credit, working capital and term loans. This page gives Census figures for ZIP 48623, where construction leads the employer count, explains how the ZIP relates to the Freeland CDP, and points to the matching industry pages.
| Distance | 11 miles NW of Saginaw, MI, give or take |
|---|---|
| Employers with payroll in ZIP 48623 (2023) | 274 (ZBP) |
| Construction establishments in ZIP 48623 | 47 (ZBP 2023) |
| Share under 5 employees | 54.0% (ZBP 2023) |
What ZIP 48623 Covers Beyond Freeland, MI
Freeland is a census-designated place in Saginaw County, MI. Almost all of it (93.7%) lies in ZIP 48623, but it covers only 8.5% of that ZIP's land, so ZIP figures describe a much wider surrounding area (2020 Census ZCTA-place relationship file).
ZIP 48623 had 274 employer establishments in 2023, about 2,399 employees and an annual payroll near $113.5 million. More than half, 54.0%, had fewer than five employees (ZIP Business Patterns 2023), a higher small-employer share than the 44.4% county-wide figure.
A Construction-Led ZIP
| Sector | Establishments | Share under 5 |
|---|---|---|
| Construction | 47 | 55.3% |
| Other services | 30 | 66.7% |
| Health care and social assistance | 29 | 44.8% |
| Retail trade | 25 | 36.0% |
| Professional and technical services | 25 | 60.0% |
| Transportation and warehousing | 19 | 57.9% |
| Accommodation and food services | 18 | 16.7% |
Construction is the largest sector in the ZIP, with 47 employer establishments, so contractor funding and lines of credit are relevant pages for owners there. Other services (30), health care (29) and retail (25) follow; see practice funding and retail funding.
Equipment Financing and Small Business Loans in Freeland, MI
Contractors and trades may need trucks, trailers and machines, which could fit equipment financing. Buying commercial real estate in Freeland can start as a term loan conversation; all six structures are compared on the funding options page.
About 5.6% (+/- 2.6) of employed Freeland residents are self-employed (ACS 2020-2024).
Getting Hold of Trueleaf From Freeland, MI
Phone (989) 265-5907, or send the form online. Countywide Census counts sit on the Saginaw, MI page; other towns on the areas served page.
Freeland, MI businesses we help
Funding partners consider businesses across most industries in Freeland, MI, from contractors and construction trades and restaurants and food service to medical and dental practices and retailers and wholesalers that carry stock. Each partner still decides case by case.
Documents to have ready
- Business checking statements covering roughly the last quarter or two
- Your most recent business tax return
- Current financial statements: profit and loss plus a balance sheet
- A driver's license or passport for each owner
- Proof of ownership and business registration
- For equipment, the seller's quote with make, model and price
No two partners ask for exactly the same file, so use this as a checklist rather than a rule.
How a request moves forward
- It starts with a call to (989) 265-5907 or the short contact form. On the phone we cover the purpose of the funds, time in business and approximate monthly revenue.
- You hear which options match the need and what a partner will likely want to review. We submit nothing without your approval.
- 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.
- If a partner makes an offer, you compare the total cost, payment schedule and terms. You are never obligated to accept.
From Freeland, MI, the whole request can run by phone and online.
By Trueleaf Finance · Updated
