PPP loans in Otsego County, Michigan

Name: Otsego 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 672 Paycheck Protection Program loans for businesses it recorded in Otsego County, $58.6 million in all.

Otsego County, as of September 30, 2024

$58.6 million
Approved: $58,597,449; 0.2% of the $24.1 billion approved in Michigan.; 672
Loans: 500 first draws and 172 second draws.; 96.7%
Forgiven: 650 of 672 loans carry a forgiveness amount, $58.7 million in all.; 2.5%
Charged off: 17 of 672 loans, approved for $238.5 thousand. That is the loans' size, not what SBA lost.

The largest borrowers in Otsego County · 2020–21

1 more column on a wider screen

The largest borrowers in Otsego County, 2020–21
Rank	Name	USD	Loans
1	Ipec, Inc., Gaylord	$3.6 million$3,621,700	1
2	Treetops Acquistion Company LLC, Treetops Village	$1.8 million$1,784,300	1
3	Freeman Family Enterprises, LLC, Gaylord	$1.7 million$1,696,555	1
4	M&M Excavating Co., Inc., Gaylord	$1.4 million$1,385,837	1
5	Johnson Oil Company Of Gaylord, Gaylord	$1.4 million$1,379,157	1
6	Johnson Oil Company Of Gaylord, Gaylord	$1.4 million$1,379,155	1
7	Treetops Acquisition Company LLC, gaylord	$1.3 million$1,274,500	1
8	Perfecto Industries (Osdc), Gaylord	$1.2 million$1,192,500	1
9	Mayfair Plastics, Inc., Gaylord	$1.1 million$1,129,220	1
10	J&N LLC, Gaylord	$1.1 million$1,079,130	1
11	A. & L. Iron And Metal Company, Gaylord	$823.6 thousand$823,600	1
12	Gaylord Opco LLC, Gaylord	$820.4 thousand$820,351	1
13	A. & L. Iron And Metal Company, Gaylord	$717.0 thousand$717,000	1
14	Mark One Corporation, Gaylord	$680.8 thousand$680,800	2
15	Merchpond Manufacturing, LLC, Gaylord	$620.6 thousand$620,620	1
16	Otsego Club Food And Beverage LLC, Gaylord	$578.5 thousand$578,505	1
17	Siwecki Construction Inc, Gaylord	$510.4 thousand$510,400	2
18	Community Home & Health Services LLC, Gaylord	$496.3 thousand$496,300	1
19	Jim Wernig, Inc., Gaylord	$461.1 thousand$461,118	1
20	Roman Catholic Diocese Of Gaylord, Gaylord	$414.5 thousand$414,461	1
21	Bronco Oil Company, Inc., Gaylord	$374.4 thousand$374,438	1
22	Zaremba Equipment, Inc., Gaylord	$360.3 thousand$360,328	1
23	Campbell Farm And Forestry, Inc., Johannesburg	$343.1 thousand$343,100	1
24	Mid-American Inspection Service Inc, Gaylord	$341.1 thousand$341,100	1
25	Otsego County Ambulance Corps, Inc, Gaylord	$336.2 thousand$336,243	1
26	Great Lake General Contractor, Gaylord	$321.0 thousand$320,958	1
27	Feeny Chrysler-Jeep-Dodge-Ram Of Gaylord, Inc., Gaylord	$318.5 thousand$318,500	1
28	Ell-Tron Manufacturing Company Inc., Vanderbilt	$316.9 thousand$316,916	1
29	Alpine Chocolat Haus LLC, Gaylord	$310.0 thousand$310,000	2
30	Loon Lake Club LLC, Gaylord	$307.1 thousand$307,051	1
31	Gaylord Eye Care Center Inc., Gaylord	$305.5 thousand$305,529	1
32	Northern Michigan Rv LLC, Gaylord	$305.2 thousand$305,200	1
32	Northern Michigan Rv, LLC, Gaylord	$305.2 thousand$305,200	1
34	Silversmith Inc, Gaylord	$304.0 thousand$303,969	1
34	Silversmith Inc., Gaylord	$304.0 thousand$303,969	1
36	Jeffrey K. Chaulk M.D. P.C., Gaylord	$299.2 thousand$299,190	1
36	Jeffrey K. Chaulk, M.D., P.C., Gaylord	$299.2 thousand$299,190	1
38	Jkle Inc, Gaylord	$295.5 thousand$295,518	2
39	Gaylord Eye Care Center, Gaylord	$292.0 thousand$292,045	1
40	St Mary's Cathedral, Gaylord	$278.0 thousand$278,000	1
41	Covenant Hospitality Inc, Gaylord	$277.7 thousand$277,700	1
42	The Fam B Inc., Gaylord	$272.2 thousand$272,154	2
43	Pines Club Corp, Gaylord	$262.2 thousand$262,237	1
44	Bwd'Z LLC, Gaylord	$251.9 thousand$251,900	1
45	Timberline South LLC, Gaylord	$250.8 thousand$250,772	1
46	Otsego County Commission On Aging, Gaylord	$246.3 thousand$246,300	1
46	Otsego County Commission On Aging, Gaylord	$246.3 thousand$246,300	1
48	Huron Pines Resource Conservation And Development Area Counc, Gaylord	$234.5 thousand$234,470	1
49	Wagar Motor Sales Inc, Gaylord	$230.6 thousand$230,590	1
50	Timoteo Inc, Gaylord	$227.5 thousand$227,500	1
51	Cr Powersports LLC, Gaylord	$220.0 thousand$220,000	1
52	Loon Lake Club LLC, Gaylord	$219.3 thousand$219,300	1
53	Timberline South LLC, Gaylord	$219.1 thousand$219,100	1
54	Northern Speech Services, Inc., Gaylord	$218.7 thousand$218,697	1
55	Northern Speech Services Inc, Gaylord	$218.7 thousand$218,697	1
56	Bensinger, Cotant, And Menkes, P.C., Gaylord	$216.7 thousand$216,668	1
57	Alpine Oven L.L.C., Gaylord	$215.2 thousand$215,230	1
58	Bensinger Cotant & Menkes Pc, Gaylord	$214.1 thousand$214,087	1
59	Kent Family Office, Gaylord	$208.1 thousand$208,148	1
60	Complete Truck & Trailer Repair LLC, Gaylord	$208.1 thousand$208,125	1
61	Huron Pines Resource, Gaylord	$207.2 thousand$207,162	1
62	Covenant Hospitality Inc, Gaylord	$198.3 thousand$198,300	1
63	Cbe Corporation Of Gaylord, Gaylord	$194.3 thousand$194,300	1
64	M And J Oilfield Services, Inc, Gaylord	$186.4 thousand$186,420	1
65	Eastport Group Inc., Johannesburg	$184.1 thousand$184,100	1
66	The Original Murdick's Fudge Company Of Mackinac Island, Inc, Gaylord	$184.0 thousand$184,003	1
67	Gaylord Collision, Inc., Gaylord	$180.5 thousand$180,500	1
68	Bwd'Z L.L.C., Gaylord	$179.9 thousand$179,900	1
69	Catt's Realty Company, Gaylord	$178.4 thousand$178,373	1
70	Northern Michigan Substance Abuse Services, Inc, Gaylord	$177.5 thousand$177,513	1
71	Jp Heating Of Northern Michigan, LLC, Gaylord	$171.9 thousand$171,900	1
72	Sklarczyk Seed Farm LLC, Johannesburg	$166.5 thousand$166,463	1
73	Mcw Ventures Inc, Gaylord	$165.9 thousand$165,851	1
74	Mcw Ventures Inc., gaylord	$163.4 thousand$163,431	1
75	Northern Family Intervention Services, Inc., Gaylord	$162.0 thousand$162,000	1
76	Pine Club Corp., Gaylord	$161.2 thousand$161,160	1
77	Amc Bagley, Inc., Gaylord	$157.5 thousand$157,500	1
78	Alpine Oven LLC, Gaylord	$156.1 thousand$156,086	1
79	Quality Plumbing And Mechanical Inc, Gaylord	$153.4 thousand$153,357	1
80	Roney Holdings Inc, Gaylord	$153.0 thousand$153,000	1
81	Gaylord Evangelical Free Church, Gaylord	$152.2 thousand$152,207	1
82	Sklarczyk Seed Farm, LLC, Johannesburg	$151.1 thousand$151,140	1
83	C & A Liberty Trucking Inc., Gaylord	$149.1 thousand$149,087	1
84	Advance Electric Inc., Gaylord	$148.5 thousand$148,505	1
85	Family Heating & Cooling Co., Inc., Gaylord	$148.5 thousand$148,500	1
86	Mustang Pipeline N Construction, Johannesburg	$145.3 thousand$145,252	1
87	Mega Power Sports LLC, Gaylord	$144.5 thousand$144,500	1
88	Mega Power Sports LLC, Gaylord	$144.4 thousand$144,425	1
89	Diversified Metal Products, Inc., gaylord	$144.1 thousand$144,113	1
90	Diversified Metal Products Inc, Gaylord	$143.7 thousand$143,699	1
91	Earthworks Enterprises, Inc., Gaylord	$139.8 thousand$139,800	1
92	G 1430 Clark Stampede, Gaylord	$138.9 thousand$138,900	1
93	Advance Electric, Inc., Gaylord	$138.0 thousand$138,038	1
94	Northern Michigan Family Dentistry PLLC, Gaylord	$135.6 thousand$135,630	1
95	Northern Mi Family Dentistry PLLC, Gaylord	$135.0 thousand$135,000	1
96	H & S Mold Inc., Gaylord	$134.8 thousand$134,800	1
96	H & S Mold, Inc., Gaylord	$134.8 thousand$134,800	1
98	Hrf Exploration & Production, L.L.C., Gaylord	$134.0 thousand$134,040	1
99	Paul's Pub Inc, Johannesburg	$132.0 thousand$132,000	2
100	Celt Hospitality LLC, Gaylord	$131.7 thousand$131,656	1

How the list is drawn

100 of the 650 borrowers ranked in Otsego 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 Otsego 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

Otsego County, as of September 30, 2024

The largest borrowers in Otsego County · 2020–21

How the list is drawn

Related

Sources