PPP loans in Bay County, Michigan

Name: Bay County, Michigan
Address: MI, US

Each amount is what the Small Business Administration approved, as SBA published it, and says nothing more about the borrower. SBA guaranteed 2,209 Paycheck Protection Program loans for businesses it recorded in Bay County, $195.7 million in all.

Bay County, as of September 30, 2024

$195.7 million
Approved: $195,712,807; 0.8% of the $24.1 billion approved in Michigan.; 2,209
Loans: 1,631 first draws and 578 second draws.; 96.8%
Forgiven: 2,139 of 2,209 loans carry a forgiveness amount, $195.3 million in all.; 1.9%
Charged off: 43 of 2,209 loans, approved for $909.9 thousand. That is the loans' size, not what SBA lost.

The largest borrowers in Bay County · 2020–21

1 more column on a wider screen

The largest borrowers in Bay County, 2020–21
Rank	Name	USD	Loans
1	Fabiano Bros., Inc., Bay City	$4.7 million$4,744,019	1
2	M & R Corporate Services LLC, Bay City	$2.8 million$2,842,600	1
3	Northern Concrete Pipe Inc, Bay City	$2.6 million$2,640,300	1
4	Calgary Services, LLC, Bay City	$2.6 million$2,614,200	1
5	Bay County Medical Care Facility, Essexville	$2.5 million$2,487,047	1
6	Bay View Food Products Co., Pinconning	$2.4 million$2,356,515	1
7	Roese Pipeline Company, Inc., Kawkawlin	$2.4 million$2,355,900	1
8	Outdoor Adventures, Inc., Bay City	$2.2 million$2,204,100	1
9	M & R Corporate Services LLC, Bay City	$2.0 million$2,000,000	1
9	Outdoor Adventures Inc., Bay City	$2.0 million$2,000,000	1
11	R. Roese Contracting Co., Inc., Kawkawlin	$1.9 million$1,904,968	1
12	Masleasing, Inc., Bay City	$1.8 million$1,783,360	1
13	Delta Containers, Inc., Bay City	$1.7 million$1,655,400	1
14	Ava Tubular Metal Systems LLC, Pinconning	$1.6 million$1,643,047	1
15	Jack's Fruit Market, Inc, Essexville	$1.6 million$1,603,305	1
16	York Electric, Inc., Bay City	$1.5 million$1,508,623	2
17	Rwc Inc., Bay City	$1.5 million$1,478,153	1
18	Rwc, Inc., Bay City	$1.5 million$1,478,100	1
19	Escon Group Inc., Bay City	$1.4 million$1,403,050	1
20	Escon Group, Inc., Bay City	$1.4 million$1,403,000	1
21	Rowley Brothers, Inc., Bay City	$1.4 million$1,396,900	1
22	F.P. Horak Employment Services Inc, Bay City	$1.3 million$1,285,807	1
22	F.P. Horak Employment Services Inc, Bay City	$1.3 million$1,285,807	1
24	Labadie Buick Gmc Cadillac, Inc., Bay City	$1.3 million$1,260,800	1
25	Job Site Services, Inc, Bay City	$1.2 million$1,231,465	2
26	Riversbend Rehabilitation, Inc., Bay City	$1.2 million$1,224,000	1
27	Bay Cast Inc., Bay City	$1.1 million$1,106,400	1
27	Bay Cast, Inc., Bay City	$1.1 million$1,106,400	1
29	Pyramid Paving And Contracting Co., Bay City	$1.1 million$1,078,124	1
30	Soli-Bond Inc, Bay City	$1.0 million$1,040,920	1
31	Peters Management Group L.L.C., Bay City	$1.0 million$1,014,820	1
32	Dobson Industrial, Inc., Bay City	$1.0 million$1,013,500	1
33	Dobson Industrial Inc., Bay City	$997.5 thousand$997,489	1
34	Pioneer Quick Lubes, Inc., Bay City	$926.2 thousand$926,221	1
35	Continental Rental, Inc., Bay City	$897.8 thousand$897,818	1
36	Colonial Rest Home, Inc. DBA The Carriage House Of Bay City, Bay City	$889.9 thousand$889,920	1
37	Gougeon Brothers, Inc, Bay City	$851.2 thousand$851,200	1
38	Graff Chevrolet, Inc, Bay City	$841.6 thousand$841,585	1
39	Advanced Tex Screen Printing Inc, Bay City	$827.7 thousand$827,740	2
40	Notebaert Construction Services Inc., Bay City	$777.8 thousand$777,800	1
40	Notebaert Construction Services, Inc., Bay City	$777.8 thousand$777,800	1
42	Wieland Sales, Inc., Bay City	$760.7 thousand$760,678	1
43	Wieland Sales Inc, Bay City	$760.7 thousand$760,678	1
44	Dice Resource Holdings LLC, Bay City	$757.6 thousand$757,582	1
45	G & D Contracting, Inc., Bay City	$748.5 thousand$748,500	1
46	Cambron Engineering Inc., Bay City	$746.5 thousand$746,450	1
47	Cambron Engineering Inc., Bay City	$746.4 thousand$746,449	1
48	Newtech Financial Services LLC, Bay City	$746.2 thousand$746,192	2
49	Snow Machines Incorporated, Midland	$745.6 thousand$745,625	1
50	Northwoods Wholesale Outlet Inc, Pinconning	$744.7 thousand$744,700	1
50	Weinlander Fitzhugh P.C., Bay City	$744.7 thousand$744,700	1
52	Falcon Road Maintenance Equipment, LLC, Freeland	$734.0 thousand$734,032	1
53	Falcon Road Maintenance Equipment LLC, Freeland	$728.8 thousand$728,848	1
54	Shaw Contracting Co., Bay City	$707.1 thousand$707,066	1
55	Saginaw Bay Plastics Inc., Kawkawlin	$675.3 thousand$675,255	1
55	Saginaw Bay Plastics, Inc, Kawkawlin	$675.3 thousand$675,255	1
57	Bay Plastics Machinery Company LLC, Bay City	$663.0 thousand$663,000	1
58	Wood Care Viii Inc, Bay City	$648.4 thousand$648,400	1
59	MacMillan Associates, Inc., Bay City	$639.3 thousand$639,270	1
60	Bay Plastics Machinery Company LLC, Bay City	$625.0 thousand$625,000	1
61	Peplinski Investment, Inc., Kawkawlin	$620.9 thousand$620,864	1
62	Metro Fabricating LLC, Bay City	$610.1 thousand$610,137	1
63	Metro Fabricating LLC, Bay City	$602.4 thousand$602,400	1
64	Serenus Johnson & Son Construction Co., Inc., Bay City	$593.6 thousand$593,560	1
65	G&D Contracting Inc., Bay City	$584.7 thousand$584,718	1
66	Fabiano Brothers Development - Wisconsin, LLC, Bay City	$583.2 thousand$583,200	1
67	Reder Landscaping, Inc., Midland	$580.5 thousand$580,500	1
68	Mercury Therapy Mgt Inc, Bay City	$572.7 thousand$572,722	1
69	Labadie Auto Of Bay City, LLC, Bay City	$569.1 thousand$569,100	1
70	Ginop Sales Inc, Alanson	$569.1 thousand$569,080	1
71	Mercury Therapy Mgt Inc., Bay City	$563.9 thousand$563,900	1
72	Schafer Inc., Pinconning	$561.9 thousand$561,865	1
72	Schafer, Inc., Pinconning	$561.9 thousand$561,865	1
74	Bay Eye Care Center, Bay City	$551.7 thousand$551,670	1
75	Reder Landscaping, Inc., Midland	$550.4 thousand$550,385	1
76	Bay Eye Care Center, P.C., Bay City	$550.0 thousand$549,978	1
77	Dore's Stores Inc, Kawkawlin	$544.0 thousand$544,000	1
78	Arnold Sales Complete Janitor Supply Inc, Bay City	$526.6 thousand$526,600	1
79	Hagen Ford Inc., Bay City	$523.0 thousand$523,035	1
80	Hagen Ford, Inc., Bay City	$523.0 thousand$523,035	1
81	Neurocare Home Health LLC, Essexville	$510.3 thousand$510,310	1
82	Renosol Corporation, Bay City	$505.5 thousand$505,519	1
83	General Housing Corporation, Bay City	$504.4 thousand$504,413	1
84	Atm-Tex LLC, Bay City	$493.5 thousand$493,480	1
85	Williams Cheese Co, Linwood	$490.1 thousand$490,100	1
86	Venture Out Resorts LLC, Bay City	$481.5 thousand$481,460	1
87	J C S Tool And Mfg Co Inc, Essexville	$469.1 thousand$469,066	1
88	Dore's Stores Inc., Kawkawlin	$450.0 thousand$450,000	1
89	Renosol Corporation, Bay City	$436.9 thousand$436,926	1
90	Lucky's Steakhouse V Inc, Bay City	$436.1 thousand$436,128	1
91	Dobson Healthcare Services Inc, Bay City	$420.9 thousand$420,879	1
92	Frank's Great Outdoors, Inc., Linwood	$415.3 thousand$415,338	1
93	Dow Bay Area Family Young Men's Christian Association, Bay City	$413.6 thousand$413,638	1
93	Dow Bay Area Family Young Men's Christian Association, Bay City	$413.6 thousand$413,638	1
95	Clements Electric Inc., Bay City	$406.1 thousand$406,138	1
96	Nhb Operations, LLC, Bay City	$406.0 thousand$406,000	1
97	Nxt Generation, LLC, Bay City	$400.7 thousand$400,700	1
98	M.P.A. Group Nfp Ltd., Bay city	$399.6 thousand$399,613	1
99	Future Technologies, Inc., Bay City	$396.2 thousand$396,177	1
100	Future Technologies, Inc., Bay City	$396.1 thousand$396,100	1

How the list is drawn

100 of the 2,119 borrowers ranked in Bay County are listed: every one ranked in the top 100, with ties. Borrowers approved the same amount share a rank, so the list can be longer than 100.
A borrower is ranked here when SBA recorded its first loan in Bay County. Its amount is summed over every loan it was approved, a first draw, a second or both, and is not what was forgiven or repaid, which each borrower’s page shows loan by loan.

Sources

SBA Paycheck Protection Program (PPP) FOIA — loan-level data — U.S. Small Business Administration · Public domain — U.S. Government work · retrieved September 25, 2026
Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026

Data retrieved September 23, 2026

Bay County, as of September 30, 2024

The largest borrowers in Bay County · 2020–21

How the list is drawn

Related

Sources