Loans to put up a building are outside this site.
A used telehandler and drywall finishing tools fit equipment financing. Replacing a stolen tool set fits a short working capital loan. County contractor and permit counts on this page are background, not a forecast of anyone’s work.
At a glance
- Construction, Lenawee County, MI
196 employer establishments (CBP 2023)
- Construction establishments with fewer than five employees
155, or 79.1% (CBP 2023)
- Residential building construction, Lenawee County, MI
73 employer establishments (CBP 2023)
- Housing units authorized by building permits, Lenawee County, MI
184 in 2025 (BPS)
A used telehandler for a Lenawee County, MI framing contractor, financed over five years
A framing crew that rents a telehandler every time it lifts trusses may decide to own one. In this invented example the contractor finds a used machine with forks and a truss boom for $58,900, puts $5,890 down and finances $53,010.00 on equipment financing.
At 10.45% a year over 60 months, each invented payment is $1,138.08; five years of them reach $68,284.80, with $15,274.80 going to interest. With the down payment, the invented machine costs the contractor $74,174.80 by the last payment.
A partner may ask for the seller’s invoice, the serial number and the machine’s hours before it sets terms on a used telehandler. Delivery to the yard can sit on the same quote.
Drywall finishing tools for an Adrian, MI interior contractor: an equipment schedule
A drywall finisher who tapes by hand may price automatic tools for a second crew. In this invented case the set is an automatic taping tool kit at $4,280, two panel lifts at $690 each, a dustless sander with its vacuum at $1,940 and a mud mixer at $310, $7,910.00 in all.
Spread across 24 months at a 12.75% annual rate, the invented drywall finishing tools come to $375.13 monthly; by the last payment the contractor has paid $9,003.12, and $1,093.12 of it is interest. A two-year schedule ends before tools like these are worn out.
Hand tools that a crew member owns stay that person’s; the request covers what the business buys and keeps on its own books.
Replacing a stolen tool set: working capital for a Lenawee County, MI electrician
In this invented case an electrical contractor finds its job-site box broken open and its tools gone: a cordless tool kit, a wire puller, a conduit bender and meters worth $6,480 to replace. The job cannot wait for a decision on any insurance claim.
A working capital loan of $6,480 over 6 months at a 14.95% annual rate would cost $1,127.58 a month in the invented case; the 6 payments total $6,765.48, with $285.48 of interest.
If an insurer later pays a claim, the contractor can put that money toward the balance, as far as the loan’s terms allow early payment. A partner sets those terms, so they belong on the list of questions for any offer.
Lenawee County, MI contractors by type and size, 2023
Of the 196 construction employer establishments the 2023 County Business Patterns found in Lenawee County, MI, 155 kept fewer than five people on payroll, a share of 79.1%. The sector total also takes in heavy and civil engineering firms, which this table leaves out.
| Type (NAICS) | Establishments | Fewer than 5 employees | Paid employees |
|---|---|---|---|
| Construction of buildings (236) | 82 | 68 | 280 |
| Residential building construction (2361) | 73 | 62 | 210 |
| Specialty trade contractors (238) | 107 | 83 | 480 |
| Plumbing, heating and AC contractors (238220) | 23 | 15 | 119 |
| Electrical contractors (238210) | 17 | 13 | 72 |
| Building finishing contractors (2383) | 22 | 20 | 89 |
| Other specialty trade contractors (2389) | 23 | 20 | 95 |
The office ZIP, 49221, held 67 construction establishments by the 2023 ZIP Code Business Patterns count. Nonemployer Statistics, which leave out every business with a payroll, counted 810 construction businesses in Lenawee County, MI for 2024. A one-person contractor can request the same funding types, and the Adrian, MI page covers funding for businesses across the city.
Housing permits in Lenawee County, MI, 2023 to 2025: what the counts show and leave out
Count the units on Lenawee County, MI residential permits and the Census Building Permits Survey gives 128 for 2023, 168 for 2024 and 184 for 2025, all new privately owned housing. The 2025 count is 43.8% above 2023 (our arithmetic).
Of the 184 units authorized in 2025, 169 were in single-unit buildings, 4 in buildings with three or four units and 11 in buildings with five or more (BPS 2025). Permits count new units authorized, not houses finished.
A framing crew or a finish carpenter pricing a machine names the jobs it has signed and its own bank statements; the county permit count is background for that conversation, not a forecast.
The contractor funding article covers customer financing programs and a line striper financed for a county contract.
By Valeshire Financial · Updated
