PPP loans in Emmet County, Michigan

Name: Emmet 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 1,422 Paycheck Protection Program loans for businesses it recorded in Emmet County, $112.2 million in all.

Emmet County, as of September 30, 2024

$112.2 million
Approved: $112,219,531; 0.5% of the $24.1 billion approved in Michigan.; 1,422
Loans: 1,035 first draws and 387 second draws.; 97.4%
Forgiven: 1,385 of 1,422 loans carry a forgiveness amount, $111.8 million in all.; 1.5%
Charged off: 21 of 1,422 loans, approved for $431.5 thousand. That is the loans' size, not what SBA lost.

The largest borrowers in Emmet County · 2020–21

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The largest borrowers in Emmet County, 2020–21
Rank	Name	USD	Loans
1	My Community Dentals Cneters, Inc., Petoskey	$4.2 million$4,187,300	1
2	Staffords Hospitality Inc, Petoskey	$2.0 million$1,997,069	1
3	Emmet County Medical Care Facility, Harbor Springs	$1.7 million$1,651,590	1
4	Staffords Hospitality Inc, Petoskey	$1.4 million$1,426,476	1
5	Sheplers Inc, Mackinaw City	$1.4 million$1,408,970	1
6	Preston Feather Lumber, Petoskey	$1.4 million$1,366,625	1
7	Inn At Bay Harbor, LLC, Petoskey	$1.2 million$1,212,500	1
8	Manthei, Inc, Petoskey	$1.2 million$1,157,872	1
9	Kilwin's Quality Confections Inc., Petoskey	$1.1 million$1,063,825	1
10	Kilwin's Quality Confections, Petoskey	$998.2 thousand$998,233	1
11	Symons General Store, Inc., Petoskey	$985.8 thousand$985,768	1
12	Shepler's, Inc., Mackinaw City	$951.8 thousand$951,800	1
13	Walstrom Marine, Inc., Harbor Springs	$951.1 thousand$951,053	1
14	Professional Medical Placement, Inc, Petoskey	$928.2 thousand$928,200	1
15	Drost Landscape Inc, Petoskey	$923.0 thousand$922,992	1
16	Dave Kring Chevrolet Cadillac Inc, Petoskey	$896.0 thousand$896,045	1
17	Irish Boat Shop, Inc., Harbor Springs	$863.3 thousand$863,320	1
18	Petoskey Opco LLC, Petoskey	$846.2 thousand$846,231	1
19	Redi-Rock International LLC, Petoskey	$841.0 thousand$841,000	1
20	Irish Boat Shop Inc., Harbor Springs	$818.8 thousand$818,780	1
21	Mitchell Graphics Inc, Petoskey	$802.1 thousand$802,144	2
22	Wineguys, L.L.C., Petoskey	$781.0 thousand$780,978	2
23	Fletch's, Inc., Petoskey	$711.6 thousand$711,600	1
24	Symons General Store, Inc., Petoskey	$704.1 thousand$704,100	1
25	Kilwins Chocolates Franchise, Petoskey	$656.8 thousand$656,790	1
26	Kilwins Chocolates Franchise Inc., Petoskey	$638.4 thousand$638,433	1
27	Bay Harbor Yacht Club, Petoskey	$610.4 thousand$610,425	1
28	Ballard's Plumbing And Heating, Inc., Petoskey	$598.4 thousand$598,412	1
29	Bay Harbor Yacht Club, Bay Harbor	$587.4 thousand$587,418	1
30	Birchwood Farms Golf & Country Club Property Owners Associat, Harbor Springs	$578.4 thousand$578,418	1
31	Beards Brewery, LLC, Petoskey	$567.8 thousand$567,824	2
32	Ballards Plumbing And Heating Inc, Petoskey	$556.5 thousand$556,520	1
33	Northern Michigan Rehabilitation Services, Inc., Petoskey	$539.1 thousand$539,115	1
34	Brown Motors, Inc., Petoskey	$536.5 thousand$536,468	1
35	Nubs Nob Inc., Harbor Springs	$529.5 thousand$529,505	1
36	Nubs Nob Inc., Harbor Springs	$512.1 thousand$512,127	1
37	Northern Anesthesia Providers P.C., Petoskey	$502.4 thousand$502,400	1
38	W. W. Fairbairn & Sons, Inc., Alanson	$492.9 thousand$492,923	1
39	Birchwood Construction, Harbor Springs	$487.3 thousand$487,335	1
40	Northern Michigan Rehabilitation Services Inc., Petoskey	$481.5 thousand$481,513	1
41	Little Traverse Bay Humane Society, Harbor Springs	$462.1 thousand$462,055	2
42	Physician Support Services PLLC, Harbor Springs	$455.9 thousand$455,895	1
43	American Spoon Foods, Inc., Petoskey	$450.0 thousand$450,028	1
44	Harbor Hall, Inc., Petoskey	$448.4 thousand$448,370	1
45	Evening Star Joinery, Inc., Harbor Springs	$446.7 thousand$446,668	1
46	Aero Management Group LLC, Harbor Springs	$430.9 thousand$430,888	1
47	Johan's Pastry Shop, Inc., Petoskey	$422.7 thousand$422,727	2
48	Physician Support Services, PLLC, Harbor Springs	$408.3 thousand$408,285	1
49	Meyer True Value Hardware Co., Petoskey	$402.4 thousand$402,433	1
50	Marco LLC, Petoskey	$392.2 thousand$392,180	1
50	Marco, LLC, Petoskey	$392.2 thousand$392,180	1
52	Women's Resource Center Of Northern Michigan, Petoskey	$382.5 thousand$382,500	1
53	Evening Star Joinery, Inc., Harbor Springs	$376.2 thousand$376,200	1
54	Bay Area Management Service, Inc., Petosky	$375.3 thousand$375,268	1
54	Bay Area Management Services, Petoskey	$375.3 thousand$375,268	1
56	Petoskey Surgeons, P.C., Petoskey	$374.2 thousand$374,231	1
57	Great Lakes Center For The Arts, Bay Harbor	$357.2 thousand$357,212	2
58	Bay Harbor Company, L.L.C., Bay Harbor	$354.6 thousand$354,600	1
59	Grain Train Natural Food Co-Operative, I Nc., Petoskey	$353.5 thousand$353,510	1
60	Zd Metal Products, Inc., Petoskey	$347.2 thousand$347,180	1
61	St. Francis Xavier Church, Petoskey	$346.7 thousand$346,705	1
62	Northern Imaging Associates P.C., Petoskey	$345.7 thousand$345,732	1
63	Centerfor Pulmonary And Sleep Medicine Pc, Petoskey	$334.1 thousand$334,091	1
64	Smolak Enterprises Inc. D.B.A. Legs Inn, Cross Village	$329.9 thousand$329,900	1
65	Waterfront Property Management & Builders Inc, Alanson	$324.2 thousand$324,232	1
66	Walloon Lake Country Club, Petoskey	$313.9 thousand$313,902	1
67	Final Touch Cleaning, Alanson	$312.2 thousand$312,180	2
68	Klepadlo Winnell Nuorala Pc, Petoskey	$310.7 thousand$310,673	1
69	Northern Brewing LLC, Petoskey	$306.1 thousand$306,062	1
70	Klepadlo Winnell Nuorala P.C., Petoskey	$295.8 thousand$295,770	1
71	Quick Care Family Medical Center, P.C., Petoskey	$290.1 thousand$290,133	1
72	Premier Restaurants LLC, Harbor Springs	$289.6 thousand$289,573	1
73	Petoskey Brewing Company LLC, Petoskey	$285.3 thousand$285,337	1
74	Petoskey Ear, Nose & Throat Specialists, P.L.L.C., Petoskey	$275.0 thousand$275,040	1
75	Harbor Springs Excavating Inc., Harbor Springs	$266.7 thousand$266,675	1
76	Bayview Ob/Gyn, P.C., Petoskey	$259.4 thousand$259,380	1
77	Common Angle, Inc., Petoskey	$256.4 thousand$256,400	1
78	Starship Entertainment, Petoskey	$254.8 thousand$254,776	1
79	Roast & Toast Of Michigan LLC, Petoskey	$251.8 thousand$251,802	2
80	Cosmetic Laser Centers, PLLC, Petoskey	$245.5 thousand$245,503	1
81	Eugene P. Wang D.O. P.C., Petoskey	$245.0 thousand$245,000	1
82	Eugene P. Wang, D.O., P.C., Petoskey	$244.7 thousand$244,676	1
83	Hie Petoskey Operating Inc, Petoskey	$244.3 thousand$244,296	1
84	Lakeview Management Group LLC, Petoskey	$243.6 thousand$243,593	1
85	MacDonald-Garber Broadcasting, Inc., Petoskey	$238.8 thousand$238,822	1
86	Smolak Enterprises Inc., Cross Village	$235.6 thousand$235,600	1
87	Kds Restaurant Inc., Harbor Springs	$234.4 thousand$234,394	1
88	Matthews Construction LLC, Petoskey	$232.9 thousand$232,910	1
89	Tip Of The Mitt Watershed Council, Petoskey	$232.9 thousand$232,905	2
90	Collie Construction, Inc., Harbor Springs	$229.0 thousand$229,000	1
91	Stillwater Custom Cabinetry, Inc., Petoskey	$228.5 thousand$228,500	1
91	Stillwater Custom Cabinetry, Inc., Petoskey	$228.5 thousand$228,500	1
93	Benny's Construction, Inc, Petoskey	$228.1 thousand$228,075	1
94	Serenity Home Care LLC, Petoskey	$225.0 thousand$225,000	1
95	Daniel J Harris Dbathe Law Office Of Dan, Petoskey	$223.3 thousand$223,334	1
96	Nlr Property Management, LLC, Harbor Springs	$222.4 thousand$222,448	1
97	Orthosport Physical Therapy And Athletic Rehabilitation Inc., Petoskey	$220.2 thousand$220,207	1
98	Rasmussen, Teller, O'Neil & Christman, Pc, Petoskey	$219.0 thousand$219,013	1
99	Northern Brewing LLC, Petoskey	$218.6 thousand$218,615	1
100	McGlaughlin Enterprises Inc, Petoskey	$217.2 thousand$217,195	1

How the list is drawn

100 of the 1,378 borrowers ranked in Emmet 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 Emmet 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

Emmet County, as of September 30, 2024

The largest borrowers in Emmet County · 2020–21

How the list is drawn

Related

Sources