Keeping Tabs: PPP Loans to Ypsi-Area Businesses

Heidi Jugenitz
Keeping Tabs: PPP Loans to Ypsi-Area Businesses

On July 6, the federal government released the names of organizations that have received forgivable loans of at least $150,000 through the Paycheck Protection Program (PPP). The PPP was created by Congress as part of the Coronavirus Aid, Relief, and Economic Security (CARES) Act to keep American workers employed and paid during the COVID-19 pandemic. Specifically, it was designed to help small businesses cover their near-term operating expenses during the “lockdown” phase of the pandemic and to incentivize employers to keep employees on payroll. Loans are forgivable so long as they are used towards payroll expenses. Congress directed the Small Business Administration (SBA), the agency implementing the PPP, to prioritize small businesses in underserved and rural markets, businesses owned by socially and economically disadvantaged individuals or women, and businesses in operation for less than two years.

Evidence is mounting that PPP loans are not reaching the small businesses that need them most urgently. Large loans of $150,000 or more account for more than 70% of the $521.5 billion approved to date. Investigative reporting by ProPublica has revealed that smaller businesses, especially those owned by people of color, have struggled to access loans due to requirements favoring larger, established businesses with digital skills, accounting expertise, and close relationships with a major bank or credit union. A flash report by the SBA Inspector General found that the SBA failed to instruct lenders to prioritize underserved and rural markets and omitted standard demographic information from PPP loan application forms.  

In the coming months, What’s Left will be keeping tabs on the local impact of the PPP, interviewing small business employees, owners, and bank loan officers to find out who has accessed PPP funding and how that funding is being put to use. For now, we are presenting a summary report on PPP loan data for businesses located in ZIP codes 48197 and 48198 to give readers a sense of the number and type of businesses in the Ypsilanti area that have received PPP loans, and the approximate size of those loans. 

In total, at least 89 loans of $150,000 or more have been approved for Ypsilanti-area businesses including residential property management companies, restaurants, convenience stores, assisted living facilities, motor vehicle dealerships, and others. The vast majority of Ypsilanti-based businesses did not provide information on the race and gender of the business owner/principal. Among those that did, 100% (10 of 10) were white-owned and 63% (12 of 19) were male-owned, suggesting that local Black- and Latinx-owned businesses have been virtually locked out of larger PPP loans. Nine loans went to non-profit entities, while the remaining 80 were issued to for-profit businesses.  

Section 1: Loans by amount

$5-10 million 

Business NameAddressZIPJobs RetainedLender
DOUG KALITTA HOLDINGS, INC843 WILLOW RUN AIRPORT48198311Fifth Third Bank

$2-5 million 

Business NameAddressZIPJobs RetainedLender
CHARLIE MARTIN10750 MARTZ RD48197170PNC Bank, National Association
DOAN CONSTRUCTION CO.3670 CARPENTER RD48197127Comerica Bank
HURON GASTROENTEROLOGY ASSOCIATES, P.C.5300 ELLIOTT DR48197131Bank of Ann Arbor
HURON VALLEY RADIOLOGY PC5333 McAuley Drive Suite 601648197
PNC Bank, National Association
JACOBSEN/DANIELS ASSOCIATES, LLC121 PEARL ST48197130Bank of Ann Arbor
O&W, INCORPORATED3003 WILLIAM AVE48198202Oxford Bank

$1-2 million

Business NameAddressZIPJobs RetainedLender
A.F. SMITH ELECTRIC INC624 S Mansfield St4819737Bank of Ann Arbor
BOSAL INDUSTRIES-GEORGIA, INC.1476 SEAVER WAY4819771Bank of Ann Arbor
CUETER CHRYSLER JEEP DODGE LLC2448 Washtenaw4819776PNC Bank, National Association
FOREST HEALTH MEDICAL CENTER LLC135 S. Prospect St.48198133Bank Michigan
HEANEY GENERAL CONTRACTING, INC.7560 Carpenter Road481977KeyBank National Association
HIGH SCOPE EDUCATIONAL RESEARCH FOUNDATION600 N River St4819848KeyBank National Association
MASTER MAINTENANCE CORPORATION2701 INTERSTATE 94 SERVICE DR48198301Comerica Bank
MICHIGAN ADVOCACY PROGRAM15 S. Washington St.48197130Level One Bank
NEPHROLOGY ASSOCIATES OF MICHIGAN PC5333 MCAULEY DR STE R-40034819740JPMorgan Chase Bank, National Association
YPSILANTI OPCO, LLC28 S PROSPECT ST48198129CIBC Bank USA

$350,000-$1 million

Business NameAddressZIPJobs RetainedLender
AIRNET II, LLC843 WILLOW RUN AIRPORT4819853Fifth Third Bank
ALLERGY & IMMUNOLOGY ASSOCIATES OF ANN ARBOR, P.C.2000 N HURON RIVER DR STE 2004819753Bank of Ann Arbor
ANN ARBOR WELDING SUPPLY COMPANY4811 Carpenter Rd4819737Bank of America, National Association
ASSOCIATES IN PHYSICAL MEDICINE AND REHABILITATION, P.C.5333 McAuley Dr.4819744KeyBank National Association
BEAL PROPERTIES LLC23 N WASHINGTON ST4819748Old National Bank
BLJ WIRELESS INC3644 CARPENTER RD STE F4819738Old National Bank
BRG INVESTMENTS, INC. (Maiz)36 E Cross St4819852Flagstar Bank, FSB
CENTER FOR PLASTIC & RECONSTRUCTIVE SURGERY, PC5333 McAuley Dr 50014819734Bank of Ann Arbor
CHARLIE MARTIN (21st Century Salvage)10750 MARTZ RD4819767PNC Bank, National Association
COMMUNITY RESIDENCE CORPORATION301 W. Michigan Avenue, Ste 1024819768Level One Bank
DAWN FARM INC6633 Stony Creek Road4819772Level One Bank
GENE BUTMAN FORD SALES, INC.2105 Washtenaw Rd4819777PNC Bank, National Association
HURON OPTHALMOLOGY PC5477 CLARK RD4819750mBank
INTERCLEAN EQUIPMENT, LLC709 JAMES L HART PKWY4819740Northstar Bank
MARGOLIS NURSERY, INC.9600 CHERRY HILL RD4819872Chelsea State Bank
MARSH PLATING CORPORATION103 N. GROVE ST4819875Level One Bank
OZONE HOUSE, INC.1600 HURON RIVER DR4819748Bank of Ann Arbor
PAINLESS LEASING, LLC135 South Prospect St.4819849Bank Michigan
PERSONAL TOUCH HOME HEALTH CARE SERVICES INC.300 HURON ST48197106Fifth Third Bank
POPULIST CLEANING, CO.22 N. Washington St.48197115Bank of Ann Arbor
S & C TRANSPORT, INC.2701 N. INTERSTATE 94 SERVICE DR4819855Independent Bank
SIDETRACK INC56 E Cross St4819831Bank of Ann Arbor
SUBURBAN PONTIAC CADILLAC, INC.15 E Michigan Ave4819842The Huntington National Bank
SUPERIOR TEXT LLC151 Airport Industrial Drive4819839IncredibleBank
SYNOD RESIDENTIAL SERVICES615 S Mansfield St48197130Comerica Bank
THE GILBERT RESIDENCE, INC.203 S Huron Street48197126Bank of Ann Arbor
UNITED AMERICAN INDUSTRIES INC.575 SOUTH MANSFIELD ST4819747Fifth Third Bank
WOLVERINE FREIGHTLINER WESTSIDE, INC.3000 WILLIAM AVE4819862Fifth Third Bank

$150,000-$350,000

Business NameAddressZIPJobs RetainedLender
200 W MICHIGAN AVE LLC200 W Michigan Ave4819255Community Choice CU
AARON’S LAWN CARE INC.3802 Bemis Rd4819722TCF National Bank
AL’S HEATING AND AIR CONDITIONING SERVICE, INC.636 S MANSFIELD ST4819718KeyBank National Association
AMERICAN PHOTO MARKETING, INC300 West Forest Ave.4819718Bank of Ann Arbor
ANN ARBOR ENDOCRINOLOGY AND DIABETES ASSOCIATES, P.C.5333 Mcauley Dr Ste. 51154819714Bank of Ann Arbor
AUBREE’S PIZZA #1 LLC2122 Whittaker Rd481970Level One Bank
AUBREE’S SALOON INC39 East Cross St481980Level One Bank
CAVALIER CLEANERS INC.3901 BESTECH RD Suite 7004819724Old National Bank
CHARLIE MARTIN (21st Century Salvage)10750 MARTZ RD4819716PNC Bank, National Association
CITY BODY INC.20 E. Cross St4819812Bank of Ann Arbor
COMPREHENSIVE DENTISTRY, PLLC5425 WHITTAKER RD4819727Level One Bank
CORNER BREWERY, LLC720 NORRIS ST4819843Bank of Ann Arbor
CORNER HEALTH CENTER47 N. Huron St.4819727Bank of Ann Arbor
DIVERSIFIED EXCAVATING7810 WHITTAKER RD4819720JPMorgan Chase Bank, National Association
DOUGLAS G. CORPORATION6195 Carpenter Rd481977Bank of Ann Arbor
FLPX, LLC324 Airport Industrial Drive48198
Citizens Bank, National Association
GARRETT LANDSCAPE GROUP LLC950 North River Street4819825JPMorgan Chase Bank, National Association
H AND G ENTERPRISES LLC902 W. Michigan Ave481978Kabbage, Inc.
H AND G ENTERPRISES LLC902 W Michigan Ave481977Kabbage, Inc.
HEALTHY SMILE FAMILY DENTISTRY,P.C.1866 Packard Road4819720TCF National Bank
HEMOPHILIA FOUNDATION OF MICHIGAN1921 W Michigan Ave4819716Old National Bank
HOME SWEET HOME CARE SERVICES, LLC4007 Carpenter Rd Num 2074819793WebBank
INTEGRATED SENSING SYSTEMS INCORPORATED391 Airport Industrial Drive481987Level One Bank
INTERNATIONAL TURBINE INDUSTRIES2890 Tyler Rd.481980Comerica Bank
JABO INCORPORATED3901 BESTECH RD STE 6004819714JPMorgan Chase Bank, National Association
LAKE COUNTRY DISTRIBUTING, INC.3113 CARPENTER RD4819733Old National Bank
LEAFGUARD OF MICHIGAN LLC260 Airport Industrial Dr4819816KeyBank National Association
LIVE OAK LLC301 W MICHIGAN AVE.,  SUITE 4114819730Old National Bank
MARSH PLATING CORPORATION – WILLOW RUN2800 Tyler Road4819815Level One Bank
MICHIGAN LADDER COMPANY, LLC0 PO Box 981307481980Level One Bank
MICHIGAN PAIN SPECIALISTS, PLLC135 South Prospect St.481987Bank Michigan
PARKWAY SERVICES INC2876 Tyler Road481980Comerica Bank
PHX CONSTRUCTION, INC.2111 Golfside481970Level One Bank
PRESTIGE FREIGHT LLC2925 E MICHIGAN AVE UNIT 34819838JPMorgan Chase Bank, National Association
QUATRO CONSTRUCTION LLC201 North PARK ST4819822The State Bank
REBUILD LLC1205 Westmoorland St4819714The Huntington National Bank
RHI, INC.2727 E Michigan Ave4819825JPMorgan Chase Bank, National Association
SENSITILE SYSTEMS, LLC1735 HOLMES RD4819822Chelsea State Bank
SOS COMMUNITY SERVICES101 S Huron St4819719Old National Bank
TERRAFIRMA, INC.3780 Morgan Road4819740Old National Bank
THE NIEMI CORPORATION6343 Crane Road481985TCF National Bank
WALL STREET TOWING INC.876 Railroad St4819716Comerica Bank
WASHTENAW AUTO-TECH INC5133 Carpenter Rd Ste A4819715JPMorgan Chase Bank, National Association
WATERMARK PARTNERS MANAGEMENT LLC301 W MICHIGAN AVE., SUITE 411481979Old National Bank

Section 2: Loans by industry 

Construction trades

Business NameNAICS DescriptionLoan RangeNon-Profit?
A.F. SMITH ELECTRIC INCElectrical Contractors and Other Wiring Installation Contractors$1-2 million
AARON’S LAWN CARE INC.Landscaping Services$150,000-350,000
AL’S HEATING AND AIR CONDITIONING SERVICE, INC.Plumbing, Heating, and Air-Conditioning Contractors$150,000-350,000
DAWN FARM INCCommercial and institutional building construction$350,000-1 million
DIVERSIFIED EXCAVATINGSite Preparation Contractors$150,000-350,000
DOUGLAS G. CORPORATIONRoofing Contractors$150,000-350,000
GARRETT LANDSCAPE GROUP LLCLandscape Architectural Services$150,000-350,000
HEANEY GENERAL CONTRACTING, INC.Commercial and Institutional Building Construction$1-2 million
LEAFGUARD OF MICHIGAN LLCRoofing Contractors$150,000-350,000
PARKWAY SERVICES INCWater and Sewer Line and Related Structures Construction$150,000-350,000
PHX CONSTRUCTION, INC.Commercial and Institutional Building Construction$150,000-350,000
QUATRO CONSTRUCTION LLCCommercial and Institutional Building Construction$150,000-350,000
REBUILD LLCOther Services to Buildings and Dwellings$150,000-350,000
RHI, INC.Roofing Contractors$150,000-350,000
TERRAFIRMA, INC.Landscape Architectural Services$150,000-350,000
THE NIEMI CORPORATIONIndustrial Building Construction$150,000-350,000

Education

Business NameNAICS DescriptionLoan RangeNon-Profit?
CHARLIE MARTIN (21st Century Salvage)Elementary and secondary schools$2-5 million
CHARLIE MARTIN (21st Century Salvage)Elementary and Secondary Schools$350,000-1 million
CHARLIE MARTIN (21st Century Salvage)Elementary and Secondary Schools $150,000-350,000
HIGH SCOPE EDUCATIONAL RESEARCH FOUNDATIONElementary and Secondary Schools$1-2 millionYes

Living facilities

Business NameNAICS DescriptionLoan RangeNon-Profit?
COMMUNITY RESIDENCE CORPORATIONAssisted living facilities for the elderly$350,000-1 millionYes
OZONE HOUSE, INC.Temporary shelters$350,000-1 millionYes
SYNOD RESIDENTIAL SERVICESResidential mental health and substance abuse facilities$350,000-1 millionYes
THE GILBERT RESIDENCE, INC.Nursing care facilities (skilled nursing facilities)$350,000-1 millionYes
YPSILANTI OPCO, LLCNursing care facilities (skilled nursing facilities)$1-2 million

Manufacturing

Business NameNAICS DescriptionLoan RangeNon-Profit?
BOSAL INDUSTRIES-GEORGIA, INC.Other Measuring and Controlling Device Manufacturing$1-2 million
DOAN CONSTRUCTION CO.Ready-mix concrete manufacturing$2-5 million
FLPX, LLCAll Other Miscellaneous Chemical Product and Preparation Manufacturing$150,000-350,000
INTEGRATED SENSING SYSTEMS INCORPORATEDInstruments and Related Products Manufacturing for Measuring, Displaying, and Controlling Industrial Process Variables$150,000-350,000
INTERCLEAN EQUIPMENT, LLCOther Commercial and Service Industry Machinery Manufacturing$350,000-1 million
MARSH PLATING CORPORATIONElectroplating, Plating, Polishing, Anodizing, and Coloring$350,000-1 million
MARSH PLATING CORPORATION – WILLOW RUNElectroplating, Plating, Polishing, Anodizing, and Coloring ** Also received a loan of $350K-$1M$150,000-350,000
MICHIGAN LADDER COMPANY, LLCAll Other Miscellaneous Wood Product Manufacturing$150,000-350,000
SENSITILE SYSTEMS, LLCClay Building Material and Refractories Manufacturing$150,000-350,000
UNITED AMERICAN INDUSTRIES INC.Other industrial machinery manufacturing$350,000-1 million

Medical/Healthcare

Business NameNAICS DescriptionLoan RangeNon-Profit?
ALLERGY & IMMUNOLOGY ASSOCIATES OF ANN ARBOR, P.C.Offices of physicians (except mental health specialists)$350,000-1 million
ANN ARBOR ENDOCRINOLOGY AND DIABETES ASSOCIATES, P.C.Offices of physicians (except mental health specialists)$150,000-350,000
ASSOCIATES IN PHYSICAL MEDICINE AND REHABILITATION, P.C.Specialty (except Psychiatric and Substance Abuse) Hospitals$350,000-1 million
CENTER FOR PLASTIC & RECONSTRUCTIVE SURGERY, PCOffices of physicians (except mental health specialists)$350,000-1 million
COMPREHENSIVE DENTISTRY, PLLCOffices of Dentists$150,000-350,000
CORNER HEALTH CENTERAll Other Outpatient Care Centers$150,000-350,000Yes
FOREST HEALTH MEDICAL CENTER LLCGeneral Medical and Surgical Hospitals$1-2 million
HEALTHY SMILE FAMILY DENTISTRY,P.C.Offices of Dentists$150,000-350,000
HEMOPHILIA FOUNDATION OF MICHIGANVoluntary Health Organizations$150,000-350,000Yes
HOME SWEET HOME CARE SERVICES, LLCAll Other Professional, Scientific, and Technical Services$150,000-350,000
HURON GASTROENTEROLOGY ASSOCIATES, P.C.Offices of physicians (except mental health specialists)$2-5 million
HURON VALLEY RADIOLOGY PCOffices of physicians (except mental health specialists)$2-5 million
MICHIGAN PAIN SPECIALISTS, PLLCOffices of physicians (except mental health specialists)$150,000-350,000
NEPHROLOGY ASSOCIATES OF MICHIGAN PCOffices of physicians (except mental health specialists)$1-2 million
PAINLESS LEASING, LLCOffices of physicians (except mental health specialists)$350,000-1 million
PERSONAL TOUCH HOME HEALTH CARE SERVICES INC.Home Health Care Services$350,000-1 million

Not specified

Business NameNAICS DescriptionLoan RangeNon-Profit?
200 W MICHIGAN AVE LLC** No category or info provided **$150,000-350,000

Other services

Business NameNAICS DescriptionLoan RangeNon-Profit?
AMERICAN PHOTO MARKETING, INCPhotography Studios, Portrait$150,000-350,000
CAVALIER CLEANERS INC.Janitorial services$150,000-350,000
CITY BODY INC.Automotive Body, Paint, and Interior Repair and Maintenance$150,000-350,000
JABO INCORPORATEDOther Personal and Household Goods Repair and Maintenance$150,000-350,000
JACOBSEN/DANIELS ASSOCIATES, LLCProcess, Physical Distribution, and Logistics Consulting Services$2-5 million
LAKE COUNTRY DISTRIBUTING, INC.Fitness and Recreational Sports Centers$150,000-350,000
MASTER MAINTENANCE CORPORATIONJanitorial services$1-2 million
MICHIGAN ADVOCACY PROGRAMOffices of lawyers$1-2 millionYes
POPULIST CLEANING, CO.Janitorial Services$350,000-1 million
SOS COMMUNITY SERVICESOther individual and family services$150,000-350,000Yes
WALL STREET TOWING INC.Motor Vehicle Towing$150,000-350,000
WASHTENAW AUTO-TECH INCAutomotive Body, Paint, and Interior Repair and Maintenance$150,000-350,000

Property management

Business NameNAICS DescriptionLoan RangeNon-Profit?
BEAL PROPERTIES LLCResidential property managers$350,000-1 million
LIVE OAK LLCResidential property managers$150,000-350,000
WATERMARK PARTNERS MANAGEMENT LLCResidential property managers$150,000-350,000

Retail or wholesale

Business NameNAICS DescriptionLoan RangeNon-Profit?
ANN ARBOR WELDING SUPPLY COMPANYFuel Dealers$350,000-1 million
AUBREE’S PIZZA #1 LLCFull-service restaurantse $150,000-350,000
AUBREE’S SALOON INCFull-service restaurantse $150,000-350,000
BLJ WIRELESS INCElectronics storesd $350,000-1 million
BRG INVESTMENTS, INC. (Maiz)Full-service restaurantsd $350,000-1 million
CORNER BREWERY, LLCBreweriese $150,000-350,000
CUETER CHRYSLER JEEP DODGE LLCNew Car Dealersc $1-2 million
GENE BUTMAN FORD SALES, INC.New Car Dealersd $350,000-1 million
H AND G ENTERPRISES LLCConvenience storese $150,000-350,000
H AND G ENTERPRISES LLCConvenience storese $150,000-350,000
HURON OPTHALMOLOGY PCAll Other Miscellaneous Store Retailers (except Tobacco Stores)d $350,000-1 million
MARGOLIS NURSERY, INC.Nursery, Garden Center, and Farm Supply Storesd $350,000-1 million
O&W, INCORPORATEDBeer and Ale Merchant Wholesalersb $2-5 million
SIDETRACK INCFull-service restaurantsd $350,000-1 million
SUBURBAN PONTIAC CADILLAC, INC.New Car Dealersd $350,000-1 million
SUPERIOR TEXT LLCBook, Periodical, and Newspaper Merchant Wholesalersd $350,000-1 million
WOLVERINE FREIGHTLINER WESTSIDE, INC.Motorcycle, ATV, and All Other Motor Vehicle Dealersd $350,000-1 million

Business NameNAICS DescriptionLoan RangeNon-Profit?
AIRNET II, LLCOther non-scheduled air transportationd $350,000-1 million
DOUG KALITTA HOLDINGS, INCNonscheduled charter freight air transportationa $5-10 million
INTERNATIONAL TURBINE INDUSTRIESOther Support Activities for Air Transportatione $150,000-350,000
PRESTIGE FREIGHT LLCGeneral Freight Trucking, Long-Distance, Truckloade $150,000-350,000
S & C TRANSPORT, INC.All Other Transit and Ground Passenger Transportationd $350,000-1 million