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Detroit /d?'tr??t/ is the most populous city in the U.S. state of Michigan and the largest city on the United States�Canada border. It is the seat of Wayne County, the most populous county in the state. It is a primary business, cultural, financial and transportation center in the Metro Detroit area, a region of 5.2 million people. It is a major port on the Detroit River, a strait that connects the Great Lakes system to the Saint Lawrence Seaway. It was founded on July 24, 1701, by the French explorer and adventurer Antoine Laumet de La Mothe, sieur de Cadillac and a party of settlers.The Detroit area emerged as a significant metropolitan region within the United States as construction of a regional freeway system was completed in the 1950s and 1960s. With these commuting ties allowing social and economic integration across a larger area, the Detroit name sometimes refers to the three-county Urban Area (population 3,734,090, area of 1,337 square miles (3,460 km2), as of the 2010 United States Census), the six-county Metropolitan Statistical Area (2010 Census population of 4,296,250, area of 3,913 square miles [10,130 km2]), or the nine-county Combined Statistical Area (2010 Census population of 5,218,852, area of 5,814 square miles [15,060 km2]). The Detroit�Windsor area, a commercial link straddling the Canada�U.S. border, has a total population of about 5,700,000. In the early 21st century, the Detroit metropolitan region holds roughly one-half of the state's population. Detroit is the third-largest economic center in the Midwest, behind Chicago and Minneapolis, respectively.Known as the world's traditional automotive center, ""Detroit"" is a metonym for the American automobile industry. Detroit's auto industry was an important element of the American ""Arsenal of Democracy"" supporting the Allied powers during World War II. It is an important source of popular music legacies celebrated by the city's two familiar nicknames, the Motor City and Motown. Other nicknames arose in the 20th century, including City of Champions, beginning in the 1930s for its successes in individual and team sport; ; and The 313 (its telephone area code).Between 2000 and 2010 the city's population fell by 25 percent, changing its ranking from the nation's 10th-largest city to 18th. In 2010, the city had a population of 713,777, more than a 60 percent drop from a peak population of over 1.8 million at the 1950 census. This resulted from suburbanization, industrial restructuring and the decline of Detroit's economic strength. Following the shift of population and jobs to its suburbs or other states or nations, the city has had to adjust its role within the larger metropolitan area. Downtown Detroit has held an increased role as an entertainment destination in the 21st century, with the opening of three casinos, new sports stadiums, and a riverfront revitalization project. But many neighborhoods remain distressed.The Michigan governor declared a financial emergency in March 2013, appointing an emergency manager for the city. On July 18, 2013, Detroit filed the largest municipal bankruptcy case in U.S. history. It was declared bankrupt by Judge n W. Rhodes of the Bankruptcy Court for the Eastern District of Michigan on December 3, 2013; he cited its $18.5 billion debt and declared that negotiations with its thousands of creditors were unfeasible. On November 7, 2014, Judge Rhodes approved the city's bankruptcy plan, allowing the city to begin the process of exiting bankruptcy. The City of Detroit successfully left municipal bankruptcy with all finances handed back to the city beginning at midnight on December 11, 2014.About 80,500 people work in downtown Detroit, comprising one-fifth of the city's employment base. A number of major corporations are based downtown, and several prominent law firms. Downtown also contains large offices for all of the major nationwide consulting firms-- as well as large offices for corporations officially based outside the city, and several other banks. In sum, Detroit has a highly concentrated base of financial, automotive, and technology firms, accented by a full range of professional services firms.

 

Grand Rapids is the second-largest city in the U.S. state of Michigan, and the largest city in West Michigan. It is located on the Grand River about 25 miles east of Lake Michigan. As of the 2010 census, the city population was 188,040. In 2010, the Grand Rapids metropolitan area had a population of 1,005,648, and the combined statistical area of Grand Rapids-Muskegon-Holland had a population of 1,321,557. Grand Rapids is the county seat of Kent County, Michigan. A historic furniture-manufacturing center, Grand Rapids is still home to five of the world's leading office furniture companies, and is nicknamed Furniture City. Its more common modern nickname of River City refers to the landmark river for which it was named. The city and surrounding communities are economically diverse, and have economies based in the health care, information technology, automotive, aviation, and consumer goods manufacturing industries, among others.Grand Rapids Championship Boxer James Toney, singer and song writer Anthony Kiedis, the filmmakers Paul Schrader and Leonard Schrader, the singer Al Green, and U.S. President Gerald , who�along with his wife Betty�is buried on the grounds of the Gerald R. Presidential Museum in the city.Headquartered in Grand Rapids, Health is the largest employer in West Michigan, with 16,000 staff and 1,500 physicians. Health's Meijer Heart Center, Lemmen-Holton Cancer Pavilion, and Butterworth Hospital, a level I trauma center, are located on the Grand Rapids Medical Mile, which has world-class facilities focusing on the health sciences. These facilities include the Van Andel Research Institute, Grand Valley State University's Cook-DeVos Center for Health Sciences, and the Michigan State University College of Human Medicine medical school's Secchia Center, along with Ferris State University's College of Pharmacy. Nearly a billion dollars has been invested in the Health Cancer Pavilion, the Health Helen DeVos Children's Hospital, and the expansion to the Van Andel Institute. These facilities have attracted numerous health science businesses to the area.

 

Warren is a city in Macomb County in the U.S. state of Michigan. The 2010 census places the city's population at 134,056, making Warren the largest city in Macomb County, the third largest city in Michigan, and Metro Detroit's largest suburb. The city is home to a wide variety of businesses, The current mayors, who was elected to his first mayoral term in November 2007.Companies based in Warren include .

 

Sterling Heights is a city in Macomb County of the U.S. state of Michigan, and one of Detroit's core suburbs. As of the 2010 census, the city had a total population of 129,699. It is the second largest suburb in Metro Detroit, and the fourth largest city in Michigan.

 

Lansing /'l�ns??/ is the capital of the U.S. state of Michigan. It is located mostly in Ingham County, although portions of the city extend west into Eaton County and north into Clinton County. The 2010 Census placed the city's population at 114,297, making it the fifth largest city in Michigan. The population of its Metropolitan Statistical Area (MSA) was 464,036, while the even larger Combined Statistical Area (CSA) population, which includes Shiawassee County, was 534,684.The Lansing Metropolitan Area, colloquially referred to as ""Mid-Michigan"", is an important center for educational, cultural, governmental, commercial, and industrial functions. The area is home to two medical schools, one veterinary school, two nursing schools, two law schools�including Western Michigan University and Michigan State University�a Big Ten Conference university (Michigan State), the Michigan State Capitol, the state Supreme Court, the Court of Appeals, a federal court, the Library of Michigan and Historical Center, and headquarters of four national insurance companies.Lansing is the only U.S. state capital (among the 47 located in counties) that is not also a county seat. The county seat of Ingham County is Mason, but the county maintains some offices in Lansing.The Lansing metropolitan area's major industries are government, education, insurance, healthcare, and automobile manufacturing. Being the state capital, many state government workers reside in the area.

 

Ann Arbor is a city in the US state of Michigan and the county seat of Washtenaw County. The 2010 census recorded its population to be 113,934, making it the sixth largest city in Michigan. The Ann Arbor Metropolitan Statistical Area (MSA) includes all of Washtenaw County, which had a population of 344,791 as of 2010. The city is also part of the larger Detroit�Ann Arbor�Flint, MI Combined Statistical Area (CSA).Ann Arbor was founded in 1824, named for wives of the village's founders and the stands of Bur Oak trees. The University of Michigan moved from Detroit to Ann Arbor in 1837, and the city showed steady growth throughout the 19th and 20th centuries, except during the Depression of 1873. During the 1960s and 1970s, the city gained a reputation as a center for left-wing politics. Ann Arbor became a focal point for political activism and served as a hub for the civil-rights movement and anti-Vietnam War movement, as well as various student movements.Ann Arbor is home to the University of Michigan, one of the foremost research universities in the United States. The university shapes Ann Arbor's economy significantly as it employs about 30,000 workers, including about 12,000 in the medical center. The city's economy is also centered on high technology, with several companies drawn to the area by the university's research and development , and by its graduates.The University of Michigan shapes Ann Arbor's economy significantly. It employs about 30,000 workers, including about 12,000 in the medical center. Other employers are drawn to the area by the university's research and development , and by its graduates. High tech, health services and biotechnology are other major components of the city's economy; numerous medical offices, laboratories, and associated companies are located in the city. Automobile manufacturers, such as and , also employ residents.

 

Flint is the largest city and county seat of Genesee County in the State of Michigan. It is located along the Flint River, 66 miles (106 km) northwest of Detroit. According to the 2010 census, Flint has a population of 102,434, making it the seventh largest city in Michigan.Flint is the largest city in the Flint/Tri-Cities region of Michigan. Genesee County comprises the entirety of Flint's metropolitan area, the fourth largest metropolitan area in Michigan with a population of 425,790 in 2010.Founded as a village by fur trader Jacob Smith in 1819, Flint became a major lumbering area on the historic Saginaw Trail during the 19th century, and incorporated as a city in 1855. It later became a leading manufacturer of carriages and other vehicles earning it the nickname ""Vehicle City"".In 1908, William Crapo Durant formed in Flint, and it was later the home of the Flint Sit-Down Strike of 1936�37 that played a vital role in the formation of the Workers, and eventually became an automobile manufacturing powerhouse for Buicks and Chevrolets. However, by the late 1980s the city sank into a deep economic depression after GM closed and demolished several factories in the area, the effects of which remain today.In the mid-2000s, it became known for its high crime rates. Since this time, Flint has been ranked among the ""Most Dangerous Cities in the United States"", with a per capita violent crime rate seven times higher than the national average. It has also been in a state of financial emergency since 2011, the second in a decade.

 

Dearborn is a city in the State of Michigan. It is located in Wayne County and is part of the Detroit metropolitan area. Dearborn is the eighth largest city in the State of Michigan. As of the 2010 census, it had a population of 98,153. First settled in the late 18th century by French farmers in a series of ribbon farms along the Rouge River and the Sauk Trail, the community grew with the establishment of the Detroit Arsenal on the Chicago Road linking Detroit and Chicago. It later grew into a manufacturing hub for the automotive industry.The city was the home of Henry and is the world headquarters of the Motor Company. It has a campus of the University of Michigan as well as Henry Community College. Dearborn has The Henry , the United States' largest indoor-outdoor museum complex and Metro Detroit's leading tourist attraction.Dearborn residents are primarily of European or Middle Eastern heritage, descendants of 19th and 20th-century immigrants. German, Polish, Irish and Italian are the primary European ethnicities. Middle Eastern ancestries make up the largest ethnic grouping with Lebanese, Yemeni, Iraqi, Syrian and Palestinian groups present. Motor Company has its world headquarters in Dearborn.[25] In addition its Dearborn campus contains many research, testing, finance and some production facilities. Land controls the numerous properties owned by , including sales and leasing to unrelated businesses, such as the Fairlane Town Center shopping mall. Financial, the largest credit union in Michigan, was created for and related companies' employees.

 

Livonia is a city in the northwest part of Wayne County in the U.S. state of Michigan. Livonia is a large suburb with an array of traditional neighborhoods (most of which were built in the 1950s and 1960s) connected to the metropolitan area by freeways. The population was 96,942 at the 2010 census, making it Michigan's ninth largest municipality. The municipality is a part of Metro Detroit, and is located approximately 15 miles (24 km) northwest of downtown Detroit, and less than two miles (3 km) from the western city limits of Detroit (Red Township lies between the two).In addition to its schools, colleges, churches, parks, recreation center, libraries, and St. Mary Mercy Hospital, Livonia also has commercial and industrial sectors, restaurants, and shopping. Laurel Park Place, an upscale fashion mall with 74 stores, was built in 1989 at 6 Mile Road and Newburgh Road. Department stores serve as anchors.

 

Clinton Township is a charter township and a census-designated place (CDP) of Macomb County in the U.S. state of Michigan. It is a part of Metro Detroit. As of the 2010 census, the township had a total population of 96,796, and is Michigan's most populous township. It is also the tenth largest municipality in Michigan. The township is also home to very broad economic diversity. Clinton Township plays home to many upscale, exclusive areas that many notable people, including rapper , call home. For the most part, Clinton Township is a mix of middle class communities, with many blue collar working-class areas near the southern border with Roseville.

 

Canton is a charter township of Wayne County in the U.S. state of Michigan. The commuter town is located about 10 miles (16 km) west of Detroit city limits and 8 miles (13 km) east of Ann Arbor city limits. As of the 2010 census, the township had a population of 90,173,[3] making it Michigan's second largest township and eleventh largest community. Canton is one of Michigan's est growing communities.According to the Charter Township's 2010 Comprehensive Annual Financial Report, the top employers in the city are:

 

Westland is a city in Wayne County in the U.S. state of Michigan. It is located about 16 miles (26 km) west of downtown Detroit. As of the 2010 census, the city had a total population of 84,094. It is the 10th largest city and 12th largest municipality in Michigan.

 

Troy is a city in Oakland County in the state of Michigan. The population was 80,980 at the 2010 census, making it the 11th-largest city in Michigan by population, and the largest city in Oakland County. Troy has become a business and shopping destination in the Metro Detroit area, with numerous office centers and the upscale Somerset Collection mall.In 2011, Troy was ranked the safest city in Michigan, as well as the 19th safest city in the nation. In 2008, Troy was ranked 22nd on a list of ""Best Places to Live"" in the United States by , using criteria including housing, quality of education, economic strength, and recreational opportunities. In 2008, Troy ranked as the fourth most afable U.S. city with a median household income of approximately $79,000.Troy is a thriving center of business, particularly in the automotive and financial sectors, and is home to a number of major companies. Troy has the second highest cumulative property value in Michigan, second only to Detroit. Troy is home to the upscale Somerset Collection mall, featuring a skywalk and over 180 stores, and the Oakland Mall. The Top of Troy is the city's tallest building with offices of Financial Services. Bank maintains a major operations center in Troy.

 

Farmington Hills is the second largest city in Oakland County in the U.S. state of Michigan. Its population was 79,740 at the 2010 census. It is part of the upscale northwestern suburbs of Metropolitan Detroit and is also 33 miles (53 km) northeast of downtown Ann Arbor.Farmington Hills consistently ranks as one of the safest cities in the United States, as well as in the state of Michigan. In 2010, the area ranked as the 30th safest city in America.Although the two cities have separate services and addresses, Farmington and Farmington Hills are often thought of as the same community. Features of the community include a recently renovated downtown, boutiques, a vintage cinema, numerous restaurants, exotic car dealerships, art galleries, and public parks including Heritage Park. There are several historical sites including the Longacre House and the Governor Warner Mansion. Both cities are served by Farmington Public Schools. Farmington Hills serves as a major business center for the greater Detroit area.Farmington Hills is the home of the Holocaust Memorial Center, the only Holocaust Memorial in the State of Michigan. The Center's mission is to educate the public about the tragedy and evils of the Holocaust. The Holocaust Memorial Center was originally located in neighboring West Bloomfield Township, but has since expanded and moved to its current facility.Gale, an educational publishing company owned by gage Learning, and t are located in Farmington Hills. There are also many branches of large corporations in the office campuses recently built.[citation needed]

 

Macomb Township is a general law township and northern suburb of Detroit located in Macomb County in the U.S. state of Michigan, in the Metropolitan Detroit region. The township's population was 50,478 at the 2000 census. The 2010 Census places the township's population at 79,580, making it Michigan's est growing major municipality.

 

Kalamazoo /?k�l?m?'zu?/ is a city in the southwest region of the U.S. state of Michigan. It is the county seat of Kalamazoo County. Kalamazoo is located geographically in Western and Southern Michigan. As of the 2010 census, Kalamazoo had a total population of 74,262. Kalamazoo is the major city of the Kalamazoo-Portage Metropolitan Statistical Area, which has a population of 326,589 as of 2010.Kalamazoo is home to Western Michigan University, a large public university, and Kalamazoo College, a liberal arts school, and Kalamazoo Valley Community College, a two year community college. Kalamazoo is home to major players in the pharmaceutical and medical science industries. Kalamazoo is also known for its importance in the world of music as it was the original home to guitars. Kalamazoo has also built a reputation as a major player in the American craft beer movement.Kalamazoo finds itself located equidistant from the major American cities of Chicago and Detroit, both less than 150 miles from Kalamazoo.In 2007, Kalamazoo was named to Company (magazine)'s ' 50: Most Innovative Companies 2007',[33] in recognition of the city's Community Capitalism approach to revitalize the economy. In 2012 Personal Finance ranked Kalamazoo fourth of the Ten Best Cities for Cheapskates.[34] The city was named in .com's 2014 'Top 10 Best Cities for Work-Life Balance'.[35][36]

 

Shelby Charter Township, officially the Charter Township of Shelby, is a charter township and census-designated place located in Macomb County in the U.S. state of Michigan. The township, a northern suburb of Detroit, is located roughly 15 miles north of the city. As of the 2000 census, the township had a total population of 65,159. The 2010 Census places the population at 73,804. Shelby Charter Township is one of the est growing communities in Metro Detroit.[3]

 

Wyoming is a city in Kent County, Michigan. As of the 2010 census, the city had a total population of 72,125. That makes it the 3rd largest community or city in West Michigan, the 14th largest city in the state of Michigan, and the 18th largest community in the state as well as being the largest suburb of Grand Rapids.In 1832 the area was settled and organized under the Byron Township. In 1848 the township split the northern half being called Wyoming Township and then became a city in 1959 after a period of annexation, water, and sewer fights. The city has experienced population growth every census since the 1890 with some of the largest occurring after major wars.

 

Southfield is a city in Oakland County of the US state of Michigan. It is a suburb of Detroit. As of the 2010 census, the city had a population of 71,739. Southfield Township is adjacent to the city on the north side. A part of Metro Detroit's upscale office market, the city's marque is a cluster of five golden skyscrapers � known as the ""Golden Triangle"" � that form the contemporary 2,200,000 square feet (204,400 m2) Southfield Town Center office complex with a Westin Hotel and a conference center. In addition, a 33-story luxury residential high-rise is separate from the complex. To the west, near the confluence of I-696/Reuther Freeway and M-10/Lodge Freeway, is the American Center.Southfield is a commercial and business center for the metropolitan Detroit area, with Southfield's 27,000,000 square feet (2,508,400 m2) of office space, second in the Detroit metro area to Detroit's central business district of 33,251,00 square feet (3,089,000 square metres). Several internationally recognized corporations have major offices and headquarters in Southfield, Academy. Today, more than 100 Fortune 500 companies have offices in Southfield.

 

Water Township is a charter township in the center of Oakland County, Michigan. By 2012 Southeast Michigan Council of Governments (SEMCOG) population estimates, the township had a population of 72,166, up from the 2010 census.

 

Rochester Hills is a city in northeast Oakland County of the U.S. state of Michigan, in the northern outskirts of Metropolitan Detroit area. As of the 2010 census, the city had a total population of 70,995.

 

West Bloomfield Township is a charter township in Oakland County in the U.S. state of Michigan, within the Detroit metropolitan area. As of the 2010 census, the township had a population of 64,690.[3] In the Metropolitan Detroit area, it is known for its large homes and rolling hills. West Bloomfield was named No. 37 on magazine's Top 100 Small Cities in 2012. West Bloomfield is also #6 on the list of 100 highest-income places with a population of at least 50,000 people.

 

Taylor is a city in Wayne County in the U.S. state of Michigan. The population was 63,131 at the 2010 census. Taylor was originally known as Taylor Township and residents of the township voted to incorporate as the City of Taylor in May 1968. Taylor is the 17th most populous city in Michigan and the 543rd largest city in the United States.Taylor Township was named in honor of Zachary Taylor, a national military hero in the 1840s, who would go on to be elected the twelfth President of the United States in 1849. Taylor Township was organized on March 16, 1847 from 24 square miles (62 km2) that were originally part of Ecorse Township, Michigan. It is also 18 miles (29 km) southwest of Detroit.Taylor is a member of the Downriver Community. Taylor is home to Southland Shopping Center, Factory, Taylor Sportsplex, Taylor Meadows Golf Course, Lakes of Taylor Golf Course, Oakwood Heritage Hospital, the Michigan State Police Metro South Post and Wayne County Community College Downriver Campus. Taylor is the birthplace of Pizza. Taylor has a large park named Heritage Park that features: ball diamonds, soccer fields, pavilions, grills, picnic tables, restrooms, playground, historic buildings, shops, catch and release fishing pond, 1/3 mile walking path, path system, old growth nature area, park benches, picnic area, playground, plus a petting farm. The park is home to the Taylor South Little League, the League World Series and the Taylor Soccer Club. The Detroit of the Professional Soccer League play their home games at the Taylor Sportsplex. Avery, a major league baseball player, was raised here and graduated from John F. Kennedy High School. Taylor is also the birthplace and home of C. who died in 2000. Due to the alleged Southern roots of many of its inhabitants it is sometimes referred to as ""Taylortucky."" In addition to its schools, the Downriver Campus of the Wayne County Community College District, churches, parks, recreation center, library, and the Oakwood Health System�s Heritage Hospital, Taylor also has commercial and industrial sectors, restaurants, and shopping. Southland Shopping Center, a regional shopping mall with over 100 stores, was opened in 1970 at Eureka Road and Pardee Road. "

"

while the MSA population was 136,146.Battle Creek, known as the ""Cereal City"", is the world headquarters of Company, founded by Will Keith in 1906, whose brother, Dr. John Harvey , invented cold breakfast cereal as an alternative to the traditional meat-based breakfast. It is also the founding location of Cereals which is now Foods, as well as the location of a Foods cereal factory owned by Ralcorp. Until 2007 it was the home of tourist attraction 's Cereal City USA.Dr. John Harvey , director of the Battle Creek Sanitarium, was featured in the T.C. Boyle novel The Road to Wellville and the movie of the same name. The Battle Creek Sanitarium, which is now the Battle Creek Federal Center building, is still one of the tallest buildings in Battle Creek. This building is a historical marker to the city and the state of Michigan.In 1982, voters approved merging Battle Creek Township with the city of Battle Creek, under pressure from Company, which threatened to move its headquarters away from Battle Creek if the city and township did not merge. Battle Creek is currently the third-largest city in Michigan by area, after Detroit and Grand Rapids.According to the City's 2011 Comprehensive Annual Financial Report, the largest employers in the city are:

 

Saginaw /'s�g.?.n??/ is a city in the State of Michigan and the seat of Saginaw County. Both the city of Saginaw and Saginaw County are located in the Flint/Tri-Cities region of Michigan. The city of Saginaw is located adjacent to Saginaw Charter Township and is considered part of the Tri-Cities area, along with neighboring Bay City and Midland. The Saginaw County MSA had a population of 196,542 in 2013.The city of Saginaw was a thriving lumber town in the 19th century and an important industrial city and manufacturing center throughout much of the 20th century. However, by the late 20th century, Saginaw's industry and its once-strong manufacturing presence declined, leading to increasing unemployment, crime, and a decrease in population. Neighboring communities, such as Saginaw Charter Township, saw subsequent population increases while the city itself is projected to return to normal population growth after the decades-long structural changes to the economy.Currently, economic development is focused on comparative advantages in innovation, clean energy, and continued manufacturing exports. Compared to other mid-sized communities, Saginaw has a disproportionately high number of patents per employee, and more than 81 times the average US share of jobs in photovoltaic technology research and production. The city continues to have a higher proportion of manufacturing jobs in comparison to the US.

 

Kentwood is a city in Kent County in the U.S. state of Michigan. The population was 48,707 at the 2010 census.

 

East Lansing is a city in the U.S. state of Michigan directly east of Lansing, the state capital. Most of the city is within Ingham County, with the rest in Clinton County. The population was 48,579 at the 2010 census, an increase from 46,420 in 2000. It is best known as the home of Michigan State University.

 

Red Charter Township is a charter township in Wayne County in the U.S. state of Michigan and a suburb of Detroit. The population was 48,362 at the 2010 census.Red is the birthplace of musician (April 14, 1984). so the site of the first Fretter's electronics store.Red is also the site of Hosanna-Tabor Evangelical Lutheran Church and School, whose hiring practices spurred the 2012 Supreme Court Case Hosanna-Tabor Evangelical Lutheran Church and School v. Equal Employment Opportunity Commission.

 

Roseville is a city in Macomb County in the U.S. state of Michigan, and is a part of the Metro Detroit area. The population was 47,299 at the 2010 census. Until 1958, Roseville was a part of Erin Township.

 

Georgetown Charter Township is a charter township of Ottawa County in the U.S. state of Michigan. The population was 46,985 at the 2010 census. The city of Hudsonville is adjacent to the township and the unincorporated community of Jenison is within the township, which includes about half the township's population.

 

Portage is a city in Kalamazoo County in the U.S. state of Michigan. The population was 46,292 in the 2010 census. It is the smaller of the two main cities included in the Kalamazoo-Portage Metropolitan Statistical Area, which has a population of 326,589 as of 2010.Portage is adjacent to the southern boundary of the City of Kalamazoo. The city was incorporated from the entirety of the former Portage Township on December 31, 1963.There are two public high schools in Portage, Portage Central and Portage Northern. The pharmaceutical company Pfizer also has manufacturing operations located there, which in recent years has caused much controversy due to layoffs. Stryker Corporation also has a large manufacturing presence in the city and is a world wide leader in medical equipment, instruments and imaging technologies. Portage is also home to FEMA Corporation, a growing hydraulic valve manufacturing company.Portage is known for its extensive network of historical parks and used for cycling, walking, canoeing, and other recreational activities. Since the creation of the Portage Bikeway system in 1989, the have expanded to over 50 miles (80 km), over five times as long as the city�s expressways. Portage is also home to the Kalamazoo Air Zoo.

 

Chesterfield Charter Township is a charter township of Macomb County in the U.S. state of Michigan. As of the 2000 census, the township population was 37,405. The 2010 Census places the population at 43,381. The township was organized in 1842, formed out of a portion of Macomb Township. The Township is part of Metro Detroit.Chesterfield Township is home to Trains. In 2002 they moved their manufacturing out of the United States to China, however Chesterfield continues to the location of their corporate offices, and non-manufacturing support functions.

 

Midland is a city in the U.S. state of Michigan in the Tri-Cities region of the state. It is the county seat of Midland County. The city's population was 41,863 as of the 2010 census. It is the principal city of the Midland Micropolitan Statistical Area and, in 2010, was named the #4 Best Small City to raise a family in by Magazine.

 

Bloomfield Township is a charter township of Oakland County in the U.S. state of Michigan. As of the 2010 census, the township population was 41,070. This area often referred to simply as ""Bloomfield"" by residents and visitors alike.This Metro Detroit township was organized in 1827, the first township to be established in Oakland County. It almost completely surrounds the city of Bloomfield Hills. In 2010, Bloomfield Township was ranked the tenth most expensive suburb in America, and the most expensive community in which to live in the state of Michigan.

 

Saginaw Charter Township is a charter township of Saginaw County in the U.S. state of Michigan. The population was 40,840 at the 2010 census. The city of Saginaw is adjacent to the township to the southeast, but is administratively autonomous.For statistical reporting, two census-designated places are defined within the township: Saginaw Township North and Saginaw Township South.

 

Commerce Charter Township is a charter township of Oakland County, and suburb of Detroit, located in the U.S. state of Michigan. The population was 40,186 at the 2010 census. The terrain is rolling hills with large expanses of flat farmland and suburban development. The Huron River runs mostly north-south through the township. Commerce was formerly a weekend and summer resort for Detroiters because of the area's small inland lakes and peaceful seclusion, but due to recent development the cottages are now all permanent homes. There has been a sharp increase in population in the last few years, mostly on or near the several lakes and golf courses. Much of Proud Lake State Recreation Area is within the township. The northern terminus of M-5 is in Commerce. The busy highway would have continued north to Interstate 75, but because of the area's high property value and the many lakes that dot the landscape such a project would have been far too costly.In 1994, David Hahn, a 17-year old Eagle Scout, constructed a makeshift nuclear reactor in his backyard in Commerce Township, exposing himself and his neighbors�and maybe even as many as 40,000 people in the area�to radioactive materials, and drawing the attention of the EPA. The event became a short-lived media sensation, and a book by Ken Silverstein called The Radioactive Boy Scout was written about the incident and published in 2004.

 

Meridian Charter Township is a charter township of Ingham County in the U.S. state of Michigan. As of the 2010 census the township had a population of 39,688. Meridian Township is the local government unit that includes the unincorporated communities and census-designated places of Okemos and Haslett. Meridian Township is the third largest municipality in the Lansing-East Lansing Metropolitan Statistical Area.Meridian Township takes its name from the fact that the Michigan Meridian, the prime north-south survey line, comprises the eastern border of the township. It is from this line that all townships were surveyed and measured.

 

Muskegon (mus-keg'n)[needs IPA] is a city in the U.S. state of Michigan, on the shore of Lake Michigan. At the 2010 census the city population was 38,401. The city is the county seat of Muskegon County. It is located at the southwest corner of Muskegon Township, but is administratively autonomous.Muskegon is the larger of the two cities in the Muskegon-Norton Shores Metropolitan Statistical Area, with population of 172,188 in 2010. It is further included in the larger Grand Rapids-Muskegon-Holland Combined Statistical Area (CSA) with a population of 1,321,557.Muskegon is the largest city on the eastern shores of Lake Michigan.In 1976, Muskegon Mall was built in downtown Muskegon, featuring Sears, Steketee's, and Hardy's-Herpolsheimer's. A second mall, The Lakes Mall, was built southeast of town in 2001, resulting in the closure of Muskegon Mall.

 

Lincoln Park is a city in Wayne County in the U.S. state of Michigan. It lies in an area of cities and communities known as Downriver. The population was 38,144 at the 2010 census. The settlement was organized as a village in 1921, and reorganized as a city in 1925. The area was originally home to the Potawatomi Indians who ceded the land to a French settler, Pierre St. Cosme, in 1776. It developed as a bedroom community, providing homes to workers in the nearby steel mills and automobile plants of the Detroit area while having no industry within its bounds.

 

Grand Blanc Charter Township is a charter township of Genesee County in the U.S. state of Michigan. The population was 35,705 at the 2010 census. The city of Grand Blanc is situated within the township, but it administratively autonomous.

 

Holland Charter Township is a charter township of Ottawa County in the U.S. state of Michigan. The population was at the 42,299 2010 census. As of 2011 estimates, the population is now at 44,351.The City of Holland is adjacent to the south and is administratively autonomous.

 

Orion Charter Township (pronounced OR-ee-un) is a charter township of Oakland County in the U.S. state of Michigan. The population was 35,394 at the 2010 census. The official motto of the township and village is ""Where living is a vacation"". ""Lake Orion"" is often used to describe both the village and the township. Orion Township (Lake Orion), is located almost exactly between Flint, Michigan and Detroit, Michigan.[citation needed]

 

Bay City is a city in Bay County, Michigan, located near the base of the Saginaw Bay on Lake Huron. As of the 2010 census, the city's population was 34,932, and is the principal city of the Bay City Metropolitan Statistical Area, which is included in the Saginaw-Bay City-Saginaw Township North Combined Statistical Area. The city, along with nearby Midland and Saginaw, form the ""Tri-Cities"" region, which has more recently been called the ""Great Lakes Bay"" region.The city is geographically divided by the Saginaw River, and travel between the east and west sides of the city is made possible by four modern drawbridges; Liberty Bridge, Veterans Memorial Bridge, Independence Bridge, and Lafayette Avenue Bridge, which allow large ships to travel easily down the river. The city is served by MBS International Airport, located in nearby Freeland, and James Clements Municipal Airport.Michigan Sugar is based in Bay City.

 

Independence Charter Township is a charter township of Oakland County in the US state of Michigan. The population was 34,681 at the 2010 census. The township was named by one of its earliest settlers, Joseph Van Sycle, who came to the area in 1834 from Independence, New Jersey.[citation needed]

 

Pittsfield Charter Township is a charter township south of Ann Arbor in Washtenaw County in the U.S. state of Michigan. The population was 34,663 at the 2010 census.

 

Jackson is a city located along Interstate 94 in the south central area of the U.S. state of Michigan, about 40 miles (64 km) west of Ann Arbor and 35 miles (56 km) south of Lansing. It is the county seat of Jackson County. As of the 2010 census, the city population was 33,534. It is the principal city of the Jackson Metropolitan Statistical Area, which includes Jackson County and has a population of 160,248.It was founded in 1829 and named after President Andrew Jackson. Holland is a coastal city in the western region of the Lower Peninsula of the U.S. state of Michigan. It is situated near the eastern shore of Lake Michigan on Lake Macatawa, which is fed by the Macatawa River (formerly known locally as the Black River).The city spans the Ottawa/Allegan county line, with 9.08 square miles (23.52 km2) in Ottawa and the remaining 8.13 square miles (21.06 km2) in Allegan. As of the 2010 census, the population was 33,051, with an Urbanized Area population of 95,394.Holland is the largest city in Ottawa County, and as of 2013 part of the Grand Rapids-Wyoming Metropolitan Statistical Area. Prior to 2013, Holland was the chief city in the Holland-Grand Haven Metropolitan Statistical Area with a population of 264,910 as of the 2010 census. Holland was founded by Dutch Americans, and is in an area that has a large percentage of citizens of Dutch American heritage. It is home to Hope College and Western Theological Seminary, institutions of the Reformed Church in America.Holland is home to the world's largest pickle factory. The Company has operated the factory at the same location since 1897 and currently processes over 1 million pounds of pickles per day during the green season. Holland was the birthplace of Slashdot, an influential early Internet weblog created by Hope College student Rob ""CmdrTaco"" Malda.

 

Motto: ""The Gateway to Macomb County""""A Family Town"" Location of Eastpointe, Michigan Eastpointe (formerly East Detroit) is a city in Macomb County of the U.S. state of Michigan. As of the 2010 census, the city population was 32,442. Eastpointe forms a part of the Metro Detroit area. It borders on 8 Mile Road on the northern edge of Detroit.The American Power Boat Association (APBA) is a New York non-profit, membership owned corporation that was created in 1903 by an act of the New York legislature as a racing association for powerboats. The APBA is headquartered in Eastpointe.

 

Delta Charter Township, officially known as the Charter Township of Delta and commonly known as simply Delta Township, is a charter township of Eaton County in the U.S. state of Michigan. As of the 2010 census, it had a population of 32,408 making it the most populous municipality in Eaton County. The township operates its own fire department, but contracts with the Eaton County Sheriff Department for police protection. The township is a major community in metropolitan Lansing.

 

The Charter Township of Flint is a charter township of Genesee County in the U.S. state of Michigan. The population was 31,929 at the 2010 census. The City of Flint is adjacent to the township on the east, but is administratively autonomous.

 

Bed Township is a civil township of Monroe County in the U.S. state of Michigan. The population was 31,085 at the 2010 census, making it Toledo's largest suburb. The unincorporated communities of Temperance, Lambertville and Samaria are located within the township. The township is directly north of Toledo, Ohio, sharing its entire southern boundary with the northern boundary of Toledo. Bed Township also has strong cultural ties to the Metro Detroit area and Monroe, Michigan.

 

Plainfield Charter Township is a charter township of Kent County in the U.S. state of Michigan. According to the 2010 census, the population was 30,952. The township forms part of the metro Grand Rapids area. It derives its name from the extinct lumbertown of Plainfield founded in 1838 by Andrew Stout at the intersection of the Rogue and Grand Rivers. The town name was eventually changed to Austerlitz before its eventual dissolution. Plainfield township is bordered by Alpine Township to the west, Algoma Township to the north, Cannon Township to the east, and Grand Rapids Township to the south.

 

Brownstown Charter Township is a charter township of Wayne County in the U.S. state of Michigan. The population was 30,627 at the 2010 census.It is part of the collection of communities known as Downriver. Brownstown's three separate segments are due to the incorporation of the cities of Flat Rock, Rockwood, and Woodhaven in the early 1960s.The township is also home to the Chevrolet Volt Battery Pack Assembly Plant. GM converted an empty warehouse on Sibley and King roads between I-75 and Allen Road into a temporary plant.

 

Port Huron is a city in the U.S. state of Michigan and the county seat of St. Clair County. The population was 30,184 at the 2010 census.The city is adjacent to Port Huron Township but is administratively autonomous. Located along the St. Clair River, it is connected to Point Edward, Ontario in Canada via the Blue Water Bridge. The city lies at the southern end of Lake Huron and is the easternmost point on land in Michigan. Port Huron is noted for its regional distinctiveness. Anthropologists assume that this is due to its close proximity to Canada. As a result many Canadian institutions and parts of Canadian culture are quite prevalent in Port Huron.Port Huron is home to two paper mills; Mueller brass; and many businesses related to tourism and the automotive industry. The city features a historic downtown area, boardwalk, marina, museum, lighthouse, and the McMorran Place arena and entertainment complex.

 

Southgate is a suburban city in Wayne County, Michigan in the U.S. state of Michigan. The population was 30,047 at the 2010 census.Southgate officially became a city in October 1958, ending Ecorse Township, Michigan.

 

White Lake Charter Township is a charter township of Oakland County in the U.S. state of Michigan. Together with its two unincorporated communities, the township makes up part of the Detroit metropolitan area. As of the 2010 census, the township population was 30,019.

 

Burton is a city in Genesee County in the state of Michigan and a suburb of Flint. The population was 29,999 at the 2010 census, making Burton the second largest city in Genesee County.

 

Madison Heights is a city in Oakland County of the U.S. state of Michigan. It is a suburb of Detroit. As of the 2010 census, its population was 29,694.The Hungry Howie's Pizza corporate headquarters is located in Madison Heights. Madison Heights is also home to Moosejaw.

 

Oak Park is a city in south Oakland County of the U.S. state of Michigan. It is a northern suburb of the city of Detroit, which is located in neighboring Wayne County, and part of its metropolitan area. As of the 2010 census, the population of Oak Park is 29,319.

 

Van Buren Charter Township is a charter township of Wayne County in the U.S. state of Michigan. The population was 28,821 at the 2010 census. It is home to Willow Run Airport, Metro Detroit's second busiest airport.Auto parts maker Visteon is based in Van Buren Township.

 

Northville Township is a charter township of Wayne County in the U.S. state of Michigan and a suburb in Metro Detroit. The population was 28,497 at the 2010 census.The City of Northville is adjacent to the northern part of the township but is administratively autonomous. Portions of Northville Township were incorporated into the Village of Northville, which later incorporated as the City of Northville. Portions of the township have also since been annexed to the city. The most recent annexation was property owned by the City of Northville as part of the Rural Hill Cemetery. A majority of the township is served by Northville Public Schools. A small portion of the township is served by Plymouth-Canton Community Schools. The entire township is served by the Northville District Library and by its own police and fire departments.ZF Group North American Operations is based in Northville Township.

 

Allen Park is a city in Wayne County in the State of Michigan. At the 2010 census, the population was 28,210. The suburb of Detroit was recognized in Money Magazine's list of America's Best Small Cities. Allen Park is part of the collection of communities known as Downriver. Motor Company is an integral part of the community. Many of the company's offices and facilities lie within the city limits. Since 2002, Allen Park is the practice home of the Detroit Lions and is also the site of the team's headquarters.

 

Garden City is a city in Wayne County of the U.S. state of Michigan. As of the 2010 census, the city population was 27,692. The city is part of the Metro Detroit region.

 

Plymouth Charter Township is a charter township in Wayne County in the U.S. state of Michigan. The population was 27,524 at the 2010 census. The City of Plymouth is located within the township but is administratively autonomous.Among the companies based in Plymouth Township are Aisin World Corp. of America, Hella Corporate Center USA, Johnson Controls Automotive Experience and Metaldyne.

 

Mount Pleasant is a city in the U.S. state of Michigan and the county seat of Isabella County and located in Central Michigan. The population was 26,016 at the 2010 census.Part of the city (with a population of 8,741) is on the Isabella Indian Reservation, site of the Soaring Eagle Casino. The city is also home to the main campuses of Central Michigan University and Mid Michigan Community College.

 

Wyandotte is a city in Wayne County in the U.S. state of Michigan. The population was 25,883 at the 2010 census, a decrease of 7.6% from 2000. Wyandotte is located in southeastern Michigan, approximately 11 miles (18 km) south of Detroit on the Detroit River, and is part of the collection of communities known as Downriver. Wyandotte is bounded by Southgate (west), Lincoln Park (northwest), Riverview (south), Ecorse (north) and Lasalle (east).Wyandotte is a sister city to Komaki, Japan, and each year delegates from Komaki come to Wyandotte to tour the city.

 

Delhi Charter Township (/'d?lha?/ DEL-hy) is a charter township of Ingham County in the U.S. state of Michigan, located directly south of the state's capital city, Lansing. The population was 25,877 at the 2010 census, an increase from 22,569 in 2000. Delhi Township is the fifth-largest municipality in Metro Lansing, and part of the Lansing Urban Area.

 

Forest Hills is an unincorporated community in Kent County in the U.S. state of Michigan. It is a census-designated place (CDP) for statistical purposes. The population was 20,942 at the 2000 census.The Forest Hills CDP encompasses nearly all of Ada Township except the northeast corner and most of the northern half of Cascade Township. The CDP includes most of the area served by the Forest Hills Public Schools District.

 

Inkster is a city in Wayne County, Michigan, United States. At the 2010 census, the city population was 25,369. It is one of the few Metro Detroit suburbs whose population is majority African American.

 

Gaines Charter Township is a charter township of Kent County in the U.S. state of Michigan. The population was 25,146 at the 2010 census.The township is about 13 miles south of downtown Grand Rapids. It is directly south of the city of Kentwood. The Charter Township of Caledonia and Village of Caledonia are to the east. Leighton Township in Allegan County is to the south and Byron Township to the west.Gaines Township was established in 1848.

 

Washington Charter Township is a charter township of Macomb County in the U.S. state of Michigan. The population was 25,139 at the 2010 census. Washington Township is bordered by the village of Romeo as well as Ray Township, Shelby Township, and Oakland Township.

 

Harrison Charter Township is a charter township and a census-designated place (CDP) of Macomb County in the U.S. state of Michigan. As of the 2000 census, the population was 24,461. The 2008 Census Bureau Estimate places the population at 26,004.

 

Blackman Charter Township is a charter township of Jackson County in the U.S. state of Michigan. As of the 2000 census, the township population was 22,800. It encompasses most of the survey township T2S R1W.The Southern Michigan State Prison, which closed in 2007, is partly located within the township. It is also the junction of four major trunklines: I-94, M-50, M-60 and US 127.

 

Norton Shores is a city in Muskegon County in the U.S. state of Michigan. The population was 23,994 at the 2010 census.

 

Romulus is a suburban city of "

"

ed as Kalamazoo Township, the same day that the village of Bronson was renamed as Kalamazoo. On March 11, 1837, Cooper Township was set off, consisting of Cooper and Alamo townships. On March 22, 1839, Oshtemo Township was set off from Kalamazoo.

 

Oshtemo Charter Township is a charter township of Kalamazoo County in the U.S. state of Michigan. The 2010 census recorded a population of 21,705. The township was organized in 1839.

 

Genesee Charter Township is a charter township of Genesee County in the U.S. state of Michigan. The population was 24,125 at the 2000 census.

 

Mount Morris Charter Township is a charter township of Genesee County in the U.S. state of Michigan. The population was 21,501 as of the 2010 census.

 

Auburn Hills (formerly Pontiac Township) is a city in Oakland County, in the U.S. state of Michigan. The population was 21,412 at the 2010 census.Auburn Hills roughly follows the course of Interstate 75 and is home to a prosperous business community. In the early 1980s, Oakland University partnered with developers to create a technology and research park. The Oakland Technology Park was approved by the city in 1985, to build campuses there. The city's many tech and office buildings host 80,000 people during the workday.

 

Okemos /'o?k?m?s/ is an unincorporated community in Meridian Charter Township, Ingham County in the U.S. state of Michigan. It is a census-designated place (CDP) for statistical purposes and does not have any separate legal existence as a municipality. Local government is provided by the township. The population was 21,369 at the 2010 census.The Okemos Public Schools includes Okemos and some immediate surrounding areas. The nickname of the school's sports teams is the Chiefs.The settlement of Hamilton was founded in 1839 by Freeman Bray as a trading point with the surrounding Ojibwa people and as a farming community. In 1859, one year following the death of Chief John Okemos (on whose treaty lands the community was built), the area was renamed Okemos to honor the Native American chief.It was originally a farming community, but has been entirely absorbed as a Lansing suburb. The center of Okemos, referred to by many as ""The Four Corners,"" is located at the intersection of Hamilton and Okemos Roads. The most notable business is the Meridian Mall (located on M-43 Grand River Avenue), which is northeast of The Four Corners. The American novelist James Hynes was born in Okemos in 1955. Four Corners of Okemos, Michigan

 

Marquette is a city in the U.S. state of Michigan and the county seat of Marquette County. The population was 21,355 at the 2010 census, making it the most populated city of the Upper Peninsula. Marquette is a major port on Lake Superior, primarily for shipping iron ore, and is the home of Northern Michigan University. In 2012, Marquette was listed among the 10 best places to retire in the U.S. by Watch.

 

Hamburg Township is a civil township of Livingston County in the U.S. state of Michigan. As of the 2010 census, the township population was 21,165 making it the largest municipality in Livingston County.

 

Adrian is a city in the U.S. state of Michigan and the county seat of Lenawee County. The population was 21,133 at the 2010 census. Adrian lies in Michigan's 7th congressional district.According to Adrian's 2012 Comprehensive Annual Financial Report, the top employers in the city are:

 

Monroe is a city in the U.S. state of Michigan. The population was 20,733 at the 2010 census. It is the largest city and county seat of Monroe County. The city is bordered on the south by Monroe Charter Township, but both are politically independent. The city is located approximately 14 mi (23 km) north of Toledo, Ohio and 25 mi (40 km) south of Detroit. The United States Census Bureau lists Monroe as the core city in the Monroe Metropolitan Area, which had a population of 152,021 in 2010. Monroe itself is officially part of the Detroit-Ann Arbor-Flint CSA, and Monroe is also sometimes unofficially included as a northerly extension of the Toledo Metropolitan Area.Settled as early as 1784, Monroe was platted in 1817 and was named after then-President James Monroe. Today, the city has a strong sense of historic preservationism and is remembered for the Battle of Frenchtown during the War of 1812, as well as being the childhood residence of George Armstrong Custer and other members of his family, including his wife Elizabeth Bacon and brother Boston Custer. The city has numerous historic museums and landmarks. Monroe is also recognized as the home world headquarters.According to the City's 2010 Comprehensive Annual Financial Report, the top employers in the city are:

 

Allendale Charter Township is a charter township of Ottawa County in the U.S. state of Michigan. As of the 2010 census, the township population was 20,708. It is a part of the Grand Rapids-Muskegon-Holland, Michigan combined statistical area, and is an exurb of Grand Rapids, due to its major commuter routes into the city (M-45 and I-96).Malta was initially chosen as the name for the township; however when the township was organized in 1849, state senator Pennoyer changed the name to Allendale, after Agnes Allen, the first person on the tax roll in the area and the widow of Hannibal Allen, who was the son of Revolutionary War hero Ethan Allen.Allendale Charter Township is best known as being home to the main campus of Grand Valley State University.

 

Charter Township of Ox is a charter township of Oakland County in the U.S. state of Michigan. The population was 20,526 at the 2010 census.

 

Frenchtown Charter Township is a charter township of Monroe County in the southeastern corner of the U.S. state of Michigan. The population was 20,428 at the 2010 census. Frenchtown is the second most-populated township in Monroe County after Bed Township. The township has no incorporated cities or villages but numerous unincorporated areas; it ?is bordered by the city of Monroe to the south, and the two jurisdictions are politically independent. Sterling State Park and the Enrico Fermi Nuclear Generating Station are located within the township.

 

Byron Township is a civil township of Kent County in the U.S. state of Michigan. As of the 2010 census, the township population was 20,317.Michigan grocery distributor and retail operator Spartan Stores is headquartered in the township.

 

Birmingham is a city in Oakland County of the U.S. state of Michigan and a suburb of Detroit. As of the 2010 census, the population was 20,103. The city's downtown attracts shoppers from throughout the Metro Detroit area.Birmingham's traditional street-side shopping district runs along Old Woodward Avenue. Birmingham's downtown district has many coffee houses, ice cream parlors, cale apparel and home furnishing shops, restaurants and theatres. The Townsend Hotel, a luxury boutique hotel, is one of the state's notable accommodations chosen by celebrities visiting or working in southeastern Michigan. operates its Detroit-area offices in Birmingham. The downtown offers a wide variety of shopping choices.

 

Scio Township is a civil township of Washtenaw County of the U.S. state of Michigan. As of the 2010 census, the township's population was 20,081. The township is situated west of Ann Arbor.

 

Ferndale is a city in Oakland County of the U.S. state of Michigan. It forms part of the Detroit metropolitan area. As of the 2010 census, the city population was 19,900.Ferndale is primarily residential, with a smaller commercial and industrial sector in the southeast part of the city. Ferndale's business district is anchored by the intersection of Woodward Avenue and 9 Mile Road, where privately owned shops, storefronts, dance clubs, bars and numerous restaurants are featured. Ferndale is well known in the Detroit area for its LGBT population and progressive policies.

 

Genoa Charter Township is a charter township of Livingston County in the U.S. state of Michigan. As of the 2000 census, the township population was 15,901.Genoa Township was organized in 1837.The now defunct Mattress World of Michigan was headquartered in the township.

 

Davison Township is a general law township of Genesee County in the U.S. state of Michigan. The population was 17,722 at the 2000 census. The city of Davison is located within the township, but is administratively autonomous.

 

Ypsilanti (/??ps?'l�nti/,[a 1] often mispronounced /?j?ps?'l�nti/),[a 2] commonly shortened to Ypsi, is a city in Washtenaw County in the U.S. state of Michigan, perhaps best known as the home of Eastern Michigan University. As of the 2010 census, the city's population was 19,435. The city is bounded to the north by Superior Township and on the west, south, and east by Ypsilanti Township. Ypsilanti is located six miles (10 km) east of Ann Arbor and thirty-five miles (56 km) west of Detroit.The geographic grid center of Ypsilanti is the intersection of the Huron River and Michigan Avenue, the latter of which connects downtown Detroit, Michigan with Chicago, Illinois, and through Ypsilanti is partially concurrent with U.S. Route 12 Business and M-17.On July 23, 2007, Governor Jennifer Granholm announced that Ypsilanti, along with the cities of Caro and Clio, was chosen by the Michigan State Housing Development Authority (MSHDA) to take part in the Blueprints for Michigan's Downtowns program. The award provides for an economic development consultant to assist Ypsilanti in developing a growth and job creation strategy for the downtown area.

 

Haslett is an unincorporated community in Ingham County in the U.S. state of Michigan. It is a census-designated place (CDP) used for statistical purposes. The population was 11,283 at the 2000 census. Though it has its own school district and post office (ZIP code 48840), Haslett is administered by Meridian Charter Township as the local government unit. Downtown Haslett is located near the intersection of Haslett and Marsh roads.Haslett is most notable for being the home of Lake Lansing. The lake is approximately 500 acres (2.0 km2) in size and features two public parks, allowing access to beaches, fishing, and a boat launch. The Michigan State University Sailing Club and Lansing Sailing Club are located on Lake Lansing. From 1934 until 1974, an amusement park operated near the lake and featured a wooden roller coaster [1]. In 2007, Business Week ranked Haslett 42nd on their list of 'Best Places to Raise Your Kids.' [1]The city of Haslet, Texas, is named after Haslett, Michigan (note that the Texas community is spelled with one 't'). The Texas town of Haslet received its name after a railroad worker relocated to Texas from Michigan in the late 1800's.

 

Highland Charter Township is a charter township of west Oakland County in the U.S. state of Michigan. The population was 19,202 at the 2010 census. Highland is a suburb of Detroit.Highland Township was founded by pioneer families in 1835. A major factor in the development of Highland was the railroad, which allowed lumber to be transported cheaply, and allowed pickles from the township's early factories to be exported easily. In 2003, in an effort to retain its rural character, as well as preserve its extensive equestrian heritage, Highland declared itself an ""equestrian community"" and began active support and encouragement of the equestrian presence and related development in the township. In 2006, thanks in large part to the efforts of the Highland Equestrian Conservancy, Highland Township received official recognition by the state government as Michigan's first designated equestrian community.[citation needed]

 

Trenton is a small city in Wayne County in the southeast portion of the U.S. state of Michigan. At the 2010 census, the city population was 18,853. The city is part of Downriver, a collection of mostly blue-collar communities south of Detroit on the west bank of the Detroit River.Many residents are employed in the city's factories such as the Chrysler Trenton Engine Plant, Solutia, and the Trenton Channel Power Plant. Oakwood South Shore Hospital (formerly known as Seaway Hospital) is located within city limits and has 203 beds. The former Steel plant is also located in the city. There is rail service in the city. The city operates the 21,000-square-foot (2,000 m2) Trenton Veterans Memorial Library and a historical museum. Trenton has 15 churches of 10 denominations.The Battle of Monguagon took place in Trenton on what is now the site of Elizabeth Park, which is part of the Wayne County park system and is the first county park in Michigan, designated in 1919.

 

Muskegon Charter Township is a charter township of Muskegon County in the U.S. state of Michigan. The population was 17,737 at the 2000 census. The City of Muskegon is at the southwest corner of the township and is administratively autonomous.The township was organized in 1837. The township claims to be the ""oldest Township in the State of Michigan""; however, many other townships were created earlier than Muskegon Township.

 

Park Township is a civil township of Ottawa County in the U.S. state of Michigan. As of the 2000 census, the township population was 17,579. As of 2006 the population was 18,351.

 

Brighton Township is a charter township of Livingston County in the U.S. state of Michigan. As of the 2000 census, the township population was 17,673.

 

Wayne is a city in Wayne County in the state of Michigan, west of Detroit. As of the 2010 census, the city population was 17,593. Motor Company has two plants here; Assembly Plant, formerly known as Michigan Truck Plant. The Michigan Assembly Plant began manufacturing the third generation, North American Focus on December 14, 2010.As of 2006, Downtown Wayne began to undergo a revitalization & growth program, with the assistance of Andrews University - Design Studio. Completed projects have included the new fire station on Wayne Road, the new police station on Michigan Avenue, and the new Department of Public Works on Forest. Plans in the program includes adding Wayne as a Transit Department train stop on Washington Street.In 2006, the Downtown Development Authority launched several beautification projects including streetscape and parking lot improvements and three City-operated hiking trails which border the city.

 

Allendale is Consolidated city-township in Ottawa County in the U.S. state of Michigan. It is also a census-designated place (CDP) for statistical purposes. The population was 17,579 at the 2010 census. The city-township is located within Allendale Charter Township and the CDP area consists of about the northern two thirds of the township, from the eastern boundary with the Grand River west along Pierce St., north along 75th Ave., then west along Lake Michigan Drive (M-45) to the western boundary of the township. Apart from the CDP definition, the city-township is centered at the intersection of M-45 and 68th Ave., which are the only roads which cross the Grand River in the county east of Grand Haven. It is a part of the Grand Rapids-Muskegon-Holland, Michigan combined statistical area, and is an exurb of Grand Rapids, due to its major commuter routes into the city (M-45 and I-96).The Allendale ZIP code 49401 serves all of the CDP. The 49401 ZIP code also serve portions of southern Allendale Township not included in the CDP as well as portions of Blendon Township to the south and Georgetown Township to the southeast.Allendale is named for the township. Malta was initially chosen as the name for the township, however when the township was organized in 1849, state senator Pennoyer changed the name to Allendale, after Agnes Allen, the first person on the tax roll in the area and the widow of Hannibal Allen, who was the son of Revolutionary War hero Ethan Allen.Allendale is best known as being home to the main campus of Grand Valley State University.

 

Green Oak Charter Township is a charter township of Livingston County in the U.S. state of Michigan. As of the 2010 census, the township population was 17,476. In September 2005, the township board voted to incorporate as a charter township, becoming the second charter township in Livingston County.

 

Cascade Charter Township is a charter township of Kent County in the U.S. state of Michigan. The population was 15,107 at the 2000 census.

 

Charter Township of Oakland is an affluent charter township on the north Oakland County outskirts of Metro Detroit, in the U.S. state of Michigan. It is colloquially referred to as ""Oakland Township"". The population was 16,779 at the 2010 census.Oakland Township is less densely populated than neighboring townships to the west, south, and east; and retains many elements of a rural, wooded residential bedroom community. Local ordinances and zoning laws are aimed at limiting commercial and industrial development while maintaining a cap on population density by way of a master plan.Oakland Township's northern half has its own zip code, ""Oakland, Michigan, 48363"", while the southern portion of the township uses zip code 48306 from nearby but not adjacent Rochester, Michigan.

 

Grand Rapids Charter Township is a charter township of Kent County in the U.S. state of Michigan. The population was 16,661 at the 2010 census.

 

Jenison is an unincorporated community in Ottawa County in the U.S. state of Michigan. It is a census-designated place (CDP) for statistical purposes, but has no legal status as an incorporated municipality. The community is governed by Georgetown Charter Township. The population of the CDP was 17,211 as of the 2000 census. The current estimated population for the entire Jenison ZIP code, 49428, is 25,770. The geographical boundaries of the ZIP code are larger than that of the CDP.

 

Hazel Park is a city in Oakland County of the U.S. state of Michigan. As of the 2010 census, the city population was 16,422. Hazel Park was incorporated in 1941 and bills itself as ""The Friendly City"".New development is a well-established trend in Hazel Park. In 2010, Tim Hortons coffee shop and a large CVS Pharmacy opened. The Hazelcrest Apartments is the tallest building in the city. In 2010, the city's business economy grew. An artistic community has emerged in the area, evidenced by plans such as those to build sculpture gardens and new businesses such as the Phoenix Cafe, a venue offering open mic nights, discussion forums, film nights and meet-and-greet gatherings.

 

Mount Clemens is a city in the U.S. state of Michigan. The population was 16,314 at the 2010 census. It is the county seat of Macomb County.

 

Garfield Charter Township is a charter township of Grand Traverse County in the U.S. state of Michigan. The population was 16,256 at the 2010 census.The township is adjacent to Traverse City on the southwest, and the city has incorporated much of land that was formerly part of the township. Much of the remaining township is considered to be a part of the city's urban area.Garfield Township was organized in January 1882. When Grand Traverse County was first organized, it comprised two townships: The Old Mission Peninsula was Peninsula Township, with its present boundaries, and the remainder of the county, including what is now Garfield Township was included in Traverse Township.

 

Grosse Pointe Woods is a suburban city in Wayne County in the U.S. state of Michigan, comprising a large portion of the Grosse Pointe communities. The population was 16,135 at the 2010 census. It is located about 10 miles (16 km) northeast of downtown Detroit in the northeastern corner of Wayne County.

 

Huron Charter Township is a charter township of Wayne County in the U.S. state of Michigan. The population was 15,879 at the 2010 census. Huron received its name from the Huron River, which flows through the township from the northwest corner to the southeast corner. Huron Township is home to three Metroparks situated along the river.

 

Mil Township is a charter township of Oakland County in the U.S. state of Michigan. The population was 15,736 at the 2010 census. The village of Mil is located within the township.

 

Fenton Charter Township is a charter township of Genesee County in the U.S. state of Michigan. The population was 15,552 at the 2010 census.

 

Grandville is a city in Kent County in the U.S. state of Michigan. The population was 15,378 at the 2010 census. Grandville is one of the oldest suburbs of Grand Rapids, and was incorporated as a city in 1933.

 

Owosso is a city in Shiawassee County in the U.S. state of Michigan. The population was 15,194 at the 2010 census. The city is located on the eastern side of Owosso Township, but is politically independent. The city was named after Chief Wasso, an Ojibwa leader of the Shiawassee area.Indian Trails has its headquarters in Owosso.

 

Grand Haven Charter Township is a charter township of Ottawa County in the U.S. state of Michigan. The population was 13,278 at the 2000 census.[1] The city of Grand Haven is located just north of the township.

 

Brandon Charter Township is a charter township of Oakland County in the U.S. state of Michigan. The population was 15,175 at the 2010 census. Brandon Township is within the metro Flint, Michigan area, and competes in the Flint Metro League for high school sports.

 

The Charter Township of Mundy is a charter township of Genesee County in the U.S. state of Michigan. The population was 15,082 at the 2010 census.The survey area township that Mundy mostly covers is range 5 North and 5 East.

 

Berkley is a suburb of Detroit located along the Woodward Corridor in southeastern Oakland County, Michigan. As of the 2010 census, the total population was 14,970. Berkley was ranked the No. 12 best place to live by Coldwell Banker in 2012.

 

Comstock Charter Township is a charter township of Kalamazoo County in the U.S. state of Michigan, located east of the city of Kalamazoo and is part of the Kalamazoo�Portage Metropolitan Area. The 2010 census recorded the population within the township at 14,854.The fertile soil along the Kalamazoo River valley led the Comstock area to become known as the Bedding Plant Capital of the World. Comstock Township is home to the largest bedding plant cooperative in the United States. Hundreds of thousands of plants, many varieties of which can be found throughout the county's parks and boulevards, are sold each year to retail garden centers nationwide.[12]

 

Benton Charter Township is a charter township of Berrien County in the U.S. state of Michigan. At the 2010 census, the township population was 14,749.Whirlpool Corporation has its headquarters in the township. Whirlpool employs a total of 2,058 employees in the metropolitan area.

 

Texas Charter Township, officially named the Charter Township of Texas, is a charter township of Kalamazoo County, in the U.S. state of Michigan. As of the 2000 census, the township population was 10,919. It encompasses the entire portion of the survey township T3S R12W.The township encompasses two major highway trunklines: I-94 and US 131 (which borders the eastern boundary with Portage). The township wholly contains the Al Sabo Preserve, which straddles Portage Creek through southwestern Kalamazoo County.The Texas Township Campus of Kalamazoo Valley Community College is located on the southern side of West O Avenue, just east of 8th Street South.

 

Lincoln Charter Township is a charter township of Berrien County in the U.S. state of Michigan. The population was 14,691 at the 2010 census.Lincoln Charter Township is located in the west-central portion of Berrien County, with Lake Michigan to the west. The village of Shoreham and St. Joseph Charter Township are to the north, Royalton Township to the east, Baroda Township to the southeast and south, and Lake Charter Township to the south and southwest.

 

Traverse City (/'tr�v?rs 's?ti/ or local /'tr�v?r.s?ti/) is a city in the U.S. state of Michigan. It is the county seat of Grand Traverse County, although a small portion extends into Leelanau County. It is the largest city in the 21-county Northern Michigan region. The population was 14,674 at the 2010 census, with 143,372 in the Traverse City micropolitan area.The Traverse City area is the largest producer of tart cherries in the United States. Near the time of cherry harvest, the city hosts the annual week-long National Cherry Festival in the first full week of July, attracting approximately 500,000 visitors annually. The surrounding countryside also produces grapes, and is one of the centers of wine production in the Midwest. Tourism, both summer and winter, is another key industry. The Traverse City area features varied natural attractions, including freshwater beaches, vineyards, a National Lakeshore, downhill skiing areas, and numerous forests. In 2009, TripAdvisor named Traverse City the number two small town travel destination in the United States.[11] In 2012, the city was listed among the 10 best places to retire in the U.S., by U.S. News.[12]

 

Hartland Township is a civil township of Livingston County in the U.S. state of Michigan located along M-59. The population was 14,663 at the 2010 census. Recognized regionally for its warmth and community engagement, the Hartland Community tagline is Hartland: Friendly by Nature.In 2013, Hartland Township opened two new parks: Hartland Heritage Park and Settlers Park. Hartland Heritage Park features fields to host lacrosse, soccer and football practices. The focal point of Settlers Park is a paved walking path that winds alongside midwest prairies and wooded areas.

 

Bangor Charter Township is a charter township of Bay County in the U.S. state of Michigan. The township's population was 14,641 as of the 2010 Census and is included in the Bay City Metropolitan Statistical Area.

 

Monroe Charter Township is a charter township of Monroe County in the U.S. state of Michigan. As of the 2010 census, the township population was 14,5681. The City of Monroe is adjacent to the township, but is administratively autonomous. It is named after James Monroe, the 5th President of the United States.The township is home to the North American business unit. manufacturers absorbers and struts, as well as emissions control equipment. Just under 500 people are employed by in Monroe.

 

Southfield Township is a civil township of Oakland County in the U.S. state of Michigan. The population was 14,547 at the 2010 census.The cities of Lathrup Village and Southfield are autonomous municipalities and are no longer part of the township. The township shares some responsibilities with the villages of Franklin, Bingham Farms, and Beverly Hills. The township handles elections, animal control, tax collection, merchant and animal licensing and ordinances for the areas it represents. The incorporated village governments handle all other municipal services.The unincorporated part of the township, which belongs to no village, measures 0.2 square miles (0.52 km2) with a population of 19 at the 2010 census.

 

Lyon Charter Township is a charter township of Oakland County in the U.S. state of Michigan. The population was 14,545 at"

 

Your Company may likely have heard of truck factoring but most people might not know exactly what it is or even more importantly what it might do for your business. Trucking Factoring likewise referred to as accounts receivable funding is a kind of asset based financing that can increase a business' short-term cash flow. This is not a loan; no debt is assumed by Receivable Funding ,and the financing is unconditional. Accounts Receivable Factoring Companies in Small Business Invoice Factoring Freight Bill Factoring Companies at Freightfactoringcompany.org- furnishing factoring company account debt buyer deals freight-bill-factoring-companies

Freightfactoringcompany.org-Freight Bill Factoring Companies

Detroit

Michigan

Accounts Receivable Factoring Companies

Given that, basing on the size of the project, it can take up to 60 days for several firms to get paid then it's important to take care of your own back and certainly not leave yourself funds short to pay the expenses. After all, how many firms have two months revenue just occupying there to deal with all their overheads until they earn?

 

 

Myfreightfactoring.Com

Accounts Receivable Loan Companies

In the United states of America, where truck companies prosper, factoring agencies are not considered accepting loan of in any capacity. This private settlement then makes it possible for both parties to profit and take joy in a comfortable future-- it provides the factoring provider a warranted asset of profit to put into the list and it gives the trucking firm the required cash that they sweated to gain.

 

 



Best Factoring Companies-Factoringaccountreceivables.Org

 

Products and services include automobiles, food products, information technology, aerospace, military equipment, furniture, and mining of copper and iron ore. Michigan is the third leading grower of Christmas trees with 60,520 acres (245 km2) of land dedicated to Christmas tree farming. Michigan ranked fourth in the U.S. in high tech employment with 568,000 high tech workers, which includes 70,000 in the automotive industry.[79] Michigan typically ranks third or fourth in overall Research & development (R&D) expenditures in the United States.[22][23] Its research and development, which includes automotive, comprises a higher percentage of the state's overall gross domestic product than for any other U.S. state.[80] The state is an important source of engineering job opportunities. The domestic auto industry accounts directly and indirectly for one of every ten jobs in the U.S. A wide variety of commodity crops, fruits, and vegetables are grown in Michigan, making it second only to California among U.S. states in the diversity of its agriculture.[94] The state has 55,000 farms utilizing 10,000,000 acres (40,000 km2) of land which sold $6.6 billion worth of products in 2008.[95] The most valuable agricultural product is milk. Leading crops include corn, soybeans, flowers, wheat, sugar beets and potatoes. Livestock in the state included 1 million cattle, 1 million hogs, 78,000 sheep and over 3 million chickens. Livestock products accounted for 38% of the value of agricultural products while crops accounted for the majority.

 

Trucking Factoring

Given that, basing on the size of the project, it can take up to 60 days for several firms to get paid then it's important to take care of your own back and certainly not leave yourself funds short to pay the expenses. After all, how many firms have two months revenue just occupying there to deal with all their overheads until they earn?

 

 



Best Factoring Companies-Factoringaccountreceivables.Org

 

 

 

Receivable Factoring

 

Receivable Factoring

 

At one time or another, every business, even effective ones, have actually experienced poor money flow.

Cash flow does not have to be an issue any more. Do not be fooled -- banks are not the only places you can get financing. Other solutions are available and you do not have to borrow. What is trucking factoring ? One solution is called truck factoring. Trucking Factoring is the process of offering accounts receivable to a financier rather than waiting to gather the cash from the client. Oh, the Irony- Truck factoring has a paradoxical distinction: It is the financial backbone of many of America's most effective businesses. Why is this paradoxical ? Since commercial factoring is not instructed in business colleges, is seldom discussed in business strategies and is fairly unknown to the majority of most of American business people.

Yet it is a financial procedure that releases up billions of dollars every year, allowing thousands of companies to grow and prosper. Invoice Factoring has been around for thousands of years. Trucking Factoring Businesses are investors who pay cash for the right to receive the future payments on your invoices. An overdue receivable or invoice has value. It is a financial obligation your customer has to pay in the near future. Factoring Principals--Although factoring deals exclusively with business-to-business transactions, a large percentage of the retail business utilizes a factoring principal. MasterCard, Visa, and American Express all use a type of factoring in their retail transactions. Using the purest definition of the word, these large consumer finance companies are really simply big Commercial Factoring Businesses of consumer paper. Think about it: You purchase at Sears and charge it to your MasterCard. The store gets paid almost instantly, even though you do not pay up until you are prepared.

For this service, the charge card company charges Sears a charge (typical common normal fees range from two to four percent of the sale). The Advantages Truck Factoring can provide numerous advantages to cash-hungry companies. Rather than wait 30, 60, 90 days or longer for payment on an item that has already been delivered, a business can factor (sell) its receivables for cash at a small discount off the dollar value of the invoice. Payroll, marketing efforts, and working capital are simply a few of the business requirements that can be satisfied with instant  money.

Receivable Financing offers the ways for a manufacturer to replenish inventory and make more items to sell: There is no longer a need to await for earlier sales to be paid. FACTORING is not just a money management device for manufacturers: Practically any kind business can take advantage of Trucking Factoring. Typically, a business that extends credit will have 10 to 20 percent of its annual sales bound in accounts receivable at any given time. Think for a minute about exactly how much is bound in 60 days' worth of invoices: You can not pay the power bill or today s payroll with a client s invoice, however you can offer that invoice for the money to meet those obligations. Using trucking factoring companies is a quick and easy procedure. The factoring company purchases the invoice at a price cut, typically a couple of percentage points less than the face value of the invoice.

Factoring Companies Reviews at Receivablesfactoringcompany.Com

 

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The American Truck Association
states that there are about
205,000 work with freight trucking
companies and
300,000 private service providers trucking
companies certified to
run in the U.S. that transported,
according to their newest searchings for billions of
items, supplies and
fundamental products .
There are several common
carriers either going solo or in
teams on our nation
roads transporting these
vital products to our
stores, manufacturingplants and shipping ports.

Also  freight bill factoring
corporations aid
countless of them and offer their
receivables financing facilities
countrywide counting
including the following states.


: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware,Florida,
Georgia, Hawaii, Idaho State,Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine,
Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska,
Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina,
North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina,
South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia,
Wisconsin, and Wyoming

Freight Bill Factoring Companies

 

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Oilfield services Factoring Company Calculator
This calculator will show you how much you will make by using our Oilfield services Factoring company . But, as your about to discover, you will certainly notice the increased cash flow that will occur when you use our Oilfield services Factoring company
Enter the principal balance of your Oilfield services Factoring company
(call your Oilfield services Factoring company lender and ask for the current payoff amount):
Enter the amount of your monthly Oilfield services Factoring company payment:
(invoice amount):
Enter the your Oilfield services Factoring company's current interest rate:

Click below to find Trucking Companies in the United States:

Trucking Companies serving to/from points within the United States,
categorized by services offered. United States Trucking
Companies will be listed under all categories in which they provide specified Trucking Services.
To find companies offering specific Trucking Services in the United States, click on the list of services below.

Click below to find Trucking Companies in the United States:

Trucking Companies serving to/from points within the United States,
categorized by services offered. United States Trucking
Companies will be listed under all categories in which they provide specified Trucking Services.
To find companies offering specific Trucking Services in the United States, click on the list of services below.

Searching for the right trucking companies to move your freight can be tough, with the large amount of local, regional, and national truck carriers out there. Center helps make freight shipping simple, finding you the safest, reliable trucking companies every time you ship. Trucking companies are licensed and insured to carry freight safely and efficiently across the country, no matter the size or type of freight you need to ship.Plus, with the high volume of freight we move, we will work to get you the best freight rates possible. Simply enter in a few details below and you�ll see instant freight rates from all the top trucking companies in one easy screen

 

Searching for the right trucking companies to move your freight can be tough, with the large amount of local, regional, and national truck carriers out there. Center helps make freight shipping simple, finding you the safest, reliable trucking companies every time you ship. Trucking companies are licensed and insured to carry freight safely and efficiently across the country, no matter the size or type of freight you need to ship.Plus, with the high volume of freight we move, we will work to get you the best freight rates possible. Simply enter in a few details below and you�ll see instant freight rates from all the top trucking companies in one easy screen

 

Searching for the right trucking companies to move your freight can be tough, with the large amount of local, regional, and national truck carriers out there. Center helps make freight shipping simple, finding you the safest, reliable trucking companies every time you ship. Trucking companies are licensed and insured to carry freight safely and efficiently across the country, no matter the size or type of freight you need to ship.Plus, with the high volume of freight we move, we will work to get you the best freight rates possible. Simply enter in a few details below and you�ll see instant freight rates from all the top trucking companies in one easy screen

 

Life of a Truck driver, like many other professionals can be very challenging, rewarding, and frustrating at the same time. �The com� is an information site for many of the Truckers needs. It is designed to encompass the needs of the Trucker, both on the Road and at Home.

List of Trucking Companies for Owner/Operators and Company Drivers

 

 

 

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Factoring Trucking Receivables

 

"

�So, this is not a loan?� asked Jack Bailey, reclining back into his chair and crossing his legs. The woman sitting across the desk from Jack smiled at him, shaking her head.�Not quite,� she said.Jack was the owner of a small trucking company which had fallen on some hard times recently. Certainly the trucking business can be an extremely profitable venture, and for many years it had been that way for Brian. His company was called Mcdonald Trucking, named after both of his grandfathers, Greg and Reginald. They had both been hardworking men, and had done a lot to make Jack the same.Six months ago disaster struck Brian's business when two out of his fleet of fifteen trucks were taken off the road.

 

One was a roll-over and ended up in the trucking graveyard: the other was involved in a serious and costly accident. The financial security of Brian's company relied on his full fleet on fifteen being on the road, and missing two trucks was just devastating . In addition, he just did not have the available cash to buy a new truck, plus repair the other one.Paying of bills in the trucking industry is always a major cause for concern for businesses.

 

Waiting a month or longer for bills to be paid was quite normal. This system works okay as long as no problems arise, but if they do, then things can get quite sticky.Jack wasn�t a bad owner, and he hadn�t messed up. Certain events had occurred that he could not possibly have predicted, and now he had to find a way to protect his business and prevent it from ultimate devastation.And that's why he found himself across the desk from this woman. Her name was Bessie and she worked for a factoring company. Jack had come across her company as he sat in his office late one night, pouring over the internet for some solution to his problem long after his employees had gone home.She sat there now, and explained. �It�s not a loan, we purchase your accounts receivable. We aren�t giving you money to be paid back later, we�re buying something from you, and you can buy it back when you can. This is a win-win situation: we are protected from a total loss, and you're protected from the ridiculous fees and charges you'd have to pay if you borrowed from a bank.Jack nodded. It sounded perfect - perhaps too good?.The woman laughed. �I'm not sure that you believe me,� she chuckled.�Oh no, I do: it just sounds too good to be true. I thought I was going to lose my company.�Bessie smiled, agreeing. �We get that a lot. Listen, I�d hate to see you lose your company. We know how hard you work, and that you've invested everything in your business. We all need help sometimes. That's why we do what we do.""In any case, thank you for coming to see me.""No problem - I'm just down the road. We normally do it all online but I was happy to come and visit you today,� Bessie said with a smile. �Let�s see what we can do to help you.�And with that they set about making a profile.

 

Jack completed the form, with Bessie offering advice as needed.

 

The profile filled Bessie and her company in on Brian�s company, and would help them determine if he was suitable for factoring. In truth, not all companies were. Some businesses are beyond the help of a Factoring company, while other businesses weren't in enough financial stress to warrant it. Listening as Jack filled out his form, Bessie was pretty sure he was a perfect candidate for factoring.When the form was done Bessie took it and slid it into her briefcase. She then stood, reached across the desk and shook Brian�s hand. He also stood up, and they smiled at each other. They said their goodbyes and Jack walked her to the door, and then returned to his office.All his staff members were there, all seven who worked in his office. Sitting behind his desk once more he could hear the familiar sounds of his office workers going about their daily business.He leaned back and closed his eyes. He felt so drained: he had been flailing helplessly for so long, he just knew his business was going to collapse and probably take him with it. Talking to Bessie though, learning about factoring, it felt like a weight had been lifted from his shoulders. He sat back in his chair and ran a hand through his graying but still thick black hair.All those long, sleepless nights. The terrifying panic attacks that occurred regardless of where he was. Already he could feel all the stress start to drain away. He knew it wasn't over yet and that there was still a way to go, but he could just feel everything start to change for him. He was still here; he knew this was the right path for him, and he felt proud that he had taken the appropriate steps to sort out his problems.Jack couldn�t help but think back to when he had first started the business. At twenty-two and straight out of school he had opened a restaurant. It had been successful. Offering home cooking in his own hometown, his business had really prospered.But he had gotten bored. His passion didn�t lie with the food industry. He thought about it for a long time, then decided it was time to sell his restaurant. He took half a year off, and in that time he thought to start Mcdonald Trucking. And that's exactly what he did. Once again he built a company from the ground up. He had been successful.Then disaster! The two trucks went down and suddenly his success wasn't looking so guaranteed. He was about to turn fifty. He didn�t think he had it in him, to save this company. But giving up wasn't part of his personality either.

 

Just the thought of shutting down, cutting his losses, laying off his workers - the whole thing made him physically sick some nights. He didn�t know how to say quit.And now, because of factoring, he was sure he wouldn�t have to. Brian's eyes opened, he sat forward in his chair and turned on his computer. He had lots to do. There would be plenty of time later to be thankful, but for now it was time to get back to work.

 

"

 

 

 

 

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"

Austin Truck and Haul has been in business since the mid 1980s. They've delivered goods for nearly every major industry in the nation and for 20 plus years, business was booming as they've traversed the country in all weather for all clients. During the heady times from 2002 to 2007, Austin was a top rated accounts receivable mastermind of the trucking industry. Very few customers were behind on their bills, and those customers who were late turned in their overdue payments within an acceptable time frame. The money was flowing, and times were great.It was just one year later, in 2008, when the economy in the United States took a sharp decline, and both large and small businesses started to notice the squeeze on their pocketbooks: everyone had suddenly gone silent. Business slowed to a crawl

 

. Worse still, it was noticed by Austin in early 2008 that even though most of their loyal customers were on time with their payments, there were a few late bloomers who were starting to spread the disease. Spring changed to summer, summer changed to fall, and the CEO of Austin, Ramon Boyd, was beginning to feel very uncomfortable indeed whenever he looked at their weekly Accounts Receivable reports. There was a growing list of clients who now owed them back debt.He had gone to his administrators and asked them what the problem had been. Were they doing things different, or wrong, when it came to collecting overdue accounts? By his bookkeepers records, this wasn't the case. He thought perhaps that he was losing clients to a competitor who offered rock-bottom prices with little to no guarantee of quality performance, and that the folks who owed Austin money had jumped ship and decided to leave him holding the bag.

 

. They could not afford to pay him their debt, but they could afford a lesser service, maybe. But after doing the cursory research for this and talking to friends in the field, he found that alas, no, customers of Austin hadn't gone elsewhere. They had just gone home.The situation looked dire to Ramon Boyd. He had employees to pay, goods to ship, trucks to maintain and overhead that was almost unbearable when compared against the lack of funds that were coming in. At night he would speak to his wife Alma and shake his head in frustration.

 

""Lin, I have a really bad feeling,"" he'd sadly say to his wife.""What could you do differently?"" she would say.Ramon would stare off for a moment and then close eyes. In his mind he could clearly see the fleet of trucks purchased over the many years. He could see them traveling, bringing goods to all of his clients. But then a haze would cover his trucks and his vast fleet would vanish to leave just a few. Why couldn�t he work out how to resolve this financial problem with his business?""I know what it is,"" Ramon said. ""For way too long I've been relying solely on profits received from invoices. For too long I've been allowing our clients to let their accounts become overdue."" Alma would look at her husband lovingly, and holding his hand would say 'it is such a harsh economy these days and our clients must be having difficulty meeting their responsibilities'.""Ramon knew his wife meant well, but he knew that he was responsible for too many people to sit idly by, waiting for the sun to peak over the clouds.The next day Ramon strolled into his office and was determined to sit down and make every phone call to every client who had owed Austin money. This wasn't really a very efficient way for a Chief Executive to spend his day, and Ramon knew he should be overseeing all the other sides of the business, such as shipments and deliveries, approaching prospective customers, or working with his sales team. But, he felt like he was doing something proactive to help his business, even though he had staff on salary to do just that thing. Wasting money, wasting time - even with the best of intentions, Ramon knew that he was in trouble.

 

After a half day of contacting debtors in vain - they dodged his calls or promised to call back at worst or made minimal interest-only payments at best - he was about to throw in the towel when his secretary Doriserley knocked at his door.

 

""Can I have a word with you Ramon?"" she queried, standing in the doorway.

 

""Sure thing Doris, come on in."" Ramon relaxed back into his chair and looked up at Doriserley.""Well Ramon, this afternoon I did some research, trying to work out how we are going to get out of this mess."" She opened up a folder she had been carrying and pulled out a small wad of papers, placing them on the desk in front of him.""Have you ever heard the word factoring?"" Doriserley asked.""It sounds vaguely familiar. What is it?"" he said.She began, ""Well, it is really very simple. Basically, factoring invoices means that we would get paid immediately for the loads we haul.""Ramon interrupted ""Immediately?"".""Immediately, yes"" she added, ""In a nutshell, it is pretty easy. We can have an expert account manager review our numbers and help us complete a company profile. Included in the profile would be the investigation of our accounts receivable aging reports, our current customers' credit limits etc.. Additionally, the factoring will help to determine the creditworthiness of our customers independent of their credit history with our business. It provides a very broad view.""I see,� Ramon said. �And then what?""Well, after their review, and we�re approved for a factoring contract, we can negotiate terms and conditions. There�s a lot of flexibility depending on the business volume and credit histories. The company will advise us the cost to purchase factoring for our company's accounts receivable. The funding commences once we�ve arrived at an agreement.�Ramon leaned forward and reviewed the paperwork closely.""It sounds too good to be true, Doris,"" he said.""Now, now, I know, I thought the same thing. But think about it, Ramon: they've guaranteed that experts will do all the paperwork, and that will free us up to do what we should be doing - focusing on our customers in good standing, and that kind of stuff. They appear to be very flexible, Ramon,"" she underlined a paragraph on the paper before him.""How flexible?"" he asked.""It seems that they personalize their factoring charges so that the amount they're prepared to work with is commensurate with our client's debt and our needs. It only takes 2 to 4 days for this to be figured out. ""It does all sound pretty good, remembering that we are all tapped out now with loans from the bank last year to repair vehicles, and we all know just how tight money is. We need to keep business rolling as normal and every day we�re going unpaid, we�re closer to facing some serious problems in both the short and long term,"" said Ramon.He took a deep breath and looked at his secretary with something she recognized as hope.""Precisely�. This could very well be the answer to resolving the problems we are having with these clients who still owe us money.""Ramon took a moment to think about this solution, and agreed with his secretary. The customers who were in debt to Austin Truck & Haul were professional resources of the company, but they were also long-standing friends. Ramon wasn't prepared to lose these relationships just because they were having financial issues at the moment. He was well aware that the economy was in a bad way and that it might be quite a while before things started picking up. If he did not handle these debtors in the right way, that unknown amount of time could spell disaster for all of them. Of course he did not want to lose any more money, but he did not want to lose business either.""Let me go over this tonight Doris, and thankyou."" Doris stood up and left Ramon's office, with the nice feeling of knowing that she may just have solved a very serious problem.Ramon stayed at his desk for a long time, looking over the details they hadn't discussed during their meeting. He wondered if there might be other problems freight factoring could help Austin Truck & Haul with? With his pencil gliding down the sheet he noticed that the factoring company could help fray the cost of fuel with fuel discount cards and fuel advances. In fact, Austin could receive up to fifty-percent cash advances upon load pick-ups. Ramon was a typical business man: he despised binding contracts that did not allow room to breathe, so he was pleasantly surprised to see that the factoring company did not require a long term contract, that there was no minimum volume required, and that there were no sign-up fees.""Well, I'll have to tell Adrian about this,"" muttered Ramon to himself.Ramon's son-in-law, Adrian, loved the idea behind Austin and highly respected his father-in-law for having such great business sense, that two years ago he got his capital together and started his own transportation company. Ramon knew then what struggles Adrian would face but he encouraged him nonetheless. With the economy the way it was, if an established company such as Austin was struggling then the little guys, like Adrian, were going to be in even more trouble.

 

But, an antidote may have been found in freight factoring and Ramon was soon to find out.Some months later, having successfully gone through the entire process of the application, having experts study his credit history and statements and review his accounts receivable, Ramon found that he was starting his journey out of the despair which had been created for him by his delinquent account holders.They adopted reasonable factoring purchase contracts and stopped wasting their own precious time trying to collect debts. They took that time and refocused effort to offering competitive prices in new territories. Ramon recalled those dismal months when he wasn't aware of freight factoring, and he shuddered at those memories. If Ramon hadn't discovered freight factoring at just the right time, his business may not be operating today.

 

"

 

 

 

 

 

 

More Factoring Trucking Receivables -Articles

 

 

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Trucking Factoring Companies Reviews

 

The reason why Trucking Firms Work with Factoring Companies.

 

As the manager of your own company, you may likely be more than perceptive already of the challenge in making sure that capital matters do not become a problem down the line. Anyway, the most disappointing thing that can quite possibly happen for your establishment is to find yourself embroiled in a long and difficult condition that leaves you forever looking for the funds you really need on an continuing manner.

 

For just about any business enterprise in this predicament, the complication can come for waiting for work to clear up and actually be paid into your statement. Invoices, checks, and the like can take a while to actually to beprocessed which can certainly leave you with temporary capital problems. Luckily, there are opportunities out there for companies to examine-- and one of these is factoring providers.

 

Factoring providers will, in substitution for your bill of sales, provide you with the cash asap to ensure you do not have to fret about the waiting period which could make paying out the bills and purchasing toolsmore hard. With this sort of system, invoice factoring can come to be extraordinarily valuable for several companies who have to avoid a money trap which they have gotten themselves in.

 

Simply because, relying on the volume of the job, it can take up to 60 days for a number of firms to get paid out then it is necessary to cover your own back and definitely not leave yourself resources short to settle the bills. After all, how many business enterprises possess two months revenue just occupying there to cover all their expenditures till they get paid?

 

This is especially correct of trucking establishments. They generally manage great deals of accounts which means a significant volume of collection time demands company owner themselves. Seeking to get paid out in time can come to be an amazing trouble and this is why you make use of trucking factoring organizations who are delighted to help out truckers specifically.

 

As all of us recognize, trucking is an extremely big industry with many companies out there employing hundreds of operators. Regretfully, many of these drivers end up in income predicaments simply because they are still waiting on work from six weeks back to actually compensate them. When this is the scenario for a truck firm, turning to factoring firms for reinforcement may be the most suitable alternative left.

 

This signifies that a truck firm can compensate the wages of the workers, keep all the vehicles filled with fuel and continue to scale, progress and expand without continually waiting for the resources which is taking too long to come in. Trucking Enterprises running without a factoring program implemented are leaving themselves at critical danger, as rivals cash out rapidly and proceed to expand.

 

There's honestly not much to be worried about when it comes to working with a Factoring firm-- they typically are not like a bank or an individual who is going to leave you with a big mound of financial obligation to repay. You give them genuine invoices from job you have already wrapped up , you are only accelerating the payment system.

 

In the United States, where trucking companies succeed, factoring providers are not considered accepting loan of in any capacity. This private arrangement then permits both groups to profit and delight in a convenient future-- it provides the factoring provider a warranted resource of cash flow to add to the list and it supplies the trucking business the needed funds that they worked hard to get.

 

The trucking firm provides their invoices to the factoring enterprise. The trucking factoring agency then receive the payment amounts from the trucking company's clients. Factoring has been all around for centuries and has been adopted for several years by lots of various business-- but none much more so than truckers. While you may well miss out on a small part of the money, something like 1-3 % depending on who you deal with, it implies that you are acquiring the money today and can actually start putting the cash to operate.

 

Once and for all, an IOU or an invoice is certainly not going to pay for spendings, is it? For trucking firms when the money can be great one day and gone the next, it is up to the vehicle drivers to work sensibly and to guarantee they are leaving themselves with a considerable quantity of time and finance to get through the week till they are paid once more.

 

So the next moment your trucking establishment is bearing some momentary capital issues and you are putting in a lot of time chasing inactive paying clients, why not start considering using a factoring businesses as a manner to get your cash and give yourself a more comfortable future in the eyes of your trucking staff and your bank balance?

 

 

 

 

 

 

 

More Trucking Factoring Companies Reviews -Articles

 

 

 

Freight Bill Factoring Companies

 

 

 

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Trucking Invoice Factoring Companies

 

Factoring in the Future of a Trucking Business: A Story Lance Day let the phone ring on his desk. His morning coffee cooled and his cigarette smoked away in the tray: Lance is thinking, and pondering the biggest decision he's ever had to make for his trucking business. Day Trucking Company had reached a turning point and he now had to make a decision as to whether he should sign up with a factoring company, and indeed if this would be a good or regrettable decision for his business.

 

More than forty years ago Lance's father had started this business working as an owner-operator and eventually growing Day Trucking Company into a fifteen trailer fleet. Yes, they had survived some very difficult times when it appeared like they might go under, and even Lance's mother had jumped into the cab at times to make hauls. His father had worked long enough to see the price of hires drop dramatically during the recession and to see the explosion of fuel prices afterwards. But now things were different: the company was in Lance's hands and he needed to ensure that this business would be left in great shape for his sons.

 

To move Day Trucking Company ahead into the future, he needed a steady cash flow but there was just not enough money to go around. His employees needed to be paid. They all have families and the usual household bills. Some of the refrigerated trailers were in need of repairs and he felt to stay competitive it was also a good idea to invest in specialized haulers to be ready for the constant requests he was getting for loads of new energy and agriculture equipment. He knew that turning down these requests made Day Trucking look inefficient and weak in what was currently a strong market.

 

His father would have told him to wait and to take his time adding on new technology. Lance chuckled, thinking about his father. His father had been against placing GPS units in the cabs. He would say, �Why do you need the voice of some woman to tell you to get off at an exit that has been the same exit that has been there for years?� Also his father had the habit of teasing all the drivers he caught switching into automatic even though driving in automatic was much more efficient though not manly in his father�s eyes. His father days were long gone and technology was actually an important improvement for the business such as having Qualcomm to cut down on fruitless time communicating on the phone for bills of lading.

 

Lance knew he was right in his forward thinking. What would be the next step for Day Trucking? More importantly, how could he afford it? Business funding was tied up in fuel bills and the mortgage for the garage and office. Thankfully he'd just finished paying off the bank loan for the installation of satellite radio in the trucks.

 

But was factoring the answer? If he was being honest, he did not really understand how it all worked. It sounded like a ninth grade math problem and he wondered how this would fit into the trucking business. A factoring company actually purchases your invoices and takes control of your accounts receivable, payment being a certain percentage of the amount invoiced. The factoring company gives the trucking business its payment right away which allows the business to have continuous cash flow so it can pay employees, buy fuel, and make repairs for upcoming hauls. Without this assistance, you're placed in the position of waiting for payment from your customers, and this can often be thirty days, or more. During those thirty days the trucking company cannot pay its employees and bills with invoices.

 

Lance had to really consider what his next step was going to be. He had heard of companies charging for same day money transfers, advancing a percentage of the money owed to your business, while the rest is held in a private account if the bill wasn't paid within sixty or more days. Worse still, if the customer defaulted on payment, the factoring company takes it out of the money supposedly coming to you! He'd even heard about some companies putting you onto a sliding percentage scale regardless of any previously signed contracts for possibly 3% or 7%, and there you are now with 10% coming as a charge to you out of the freight bill. His friend Ronnie who had a trucking business in Missouri, was run nearly into the ground by a factoring company that charged him the full freight bill on top of the factoring fees. He knew he would have to be very careful if he was to avoid any of these shady companies?

 

However, it all turned out to be very simple. When he called the factoring companies he discovered they were very open about their business practices, and very friendly and helpful. Their customer service actually knew things about their company and spoke in nice clear English so he could understand what was being explained. He was quite happy to sign an exclusive contract. He liked the idea of a long term commitment so he knew he wouldn�t have to bother going back and forth to different companies and wasting time filing more forms. He was not charged for a credit check, and in addition he was offered a fuel advance on the pick-up of a load. In fact there were a few companies who offered him a non-recourse factoring program, and this was exactly what he had been hoping for. Also he was happy to hear how much he was offered in terms of percentages on the freight bills. It was good money.

 

It was really refreshing dealing with the factoring people. They were more personable than those loan managers at the bank. It seemed as though those bank people spoke another language, but these factoring guys knew the trucking business and spoke to him like a client, not like a beggar for a handout. The factoring companies didn�t worry over his credit and the debt troubles his father had had in the past of the company. All the factoring company was interest in was the credit of his customers and on their reliability: this worked great for Lance because he and his father had created a very strong and loyal list of clientele over the years. So he knew they would understand when the factoring company contacted them for the invoices. His clients would not have any problems, nor would they think poorly of Day Trucking, because the factoring companies handle themselves in such a polite and professional manner, similar to the way his father had managed the business in the past.

 

Feeling happier now, Lance stepped out of his office to advise his secretary to expect to receive the contract very shortly from the factoring company. There was a new bounce is his step now: he knew instinctively that this new step would raise the future of his company to a new and higher level, and that all the stress from the past could now be put behind him. With the capabilities of this new cash flow, Lance could actually expand Day Trucking Company further across the country and perhaps even go international into Canada. He was a happy man again knowing that he had just made a decision which would guarantee the success of his business and his sons would not be inheriting a financial mess.

 

 

 

 

 

 

 

More Trucking Invoice Factoring Companies -Articles

 

 

 

 

 

 

 

 

Freight Bill Factoring Companies

 

 

 

 

 

 

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Invoice Discounting Factoring Companies

 

Date Published- 2014- 02-07 Trucking Factoring Service

 

"

Traditional Bank Loans

 

Bank loans are an extremely traditional way for a business to get financing. While these loans are handy they are not available to every business. As an example, a newly formed business may not have the required assets to qualify for a bank loan, and even if they did, it is usual practise for a bank to use the business itself as collateral. This means that if you default on your loan payment you could lose your entire business. Plus, the amount you apply for through the bank is the actual amount that you are going to receive. Once the loan is paid off, you can then apply for another loan if the need arises.

 

Trucking Factoring Companies

 

Trucking Factoring companies do not offer loans, and you do not go into debt when you get money from a Trucking Factoring company. The finance you receive from the Trucking Factoring company is determined by money already earned by your business, but not yet received. The Trucking Factoring company purchases your accounts receivable, or part of them, for a certain percentage of their value - this is normally about 80-95%. The amount of money you can receive is based on the amount of money you have earned and the accounts receivable you are willing to �sell.� Once a Trucking Factoring account has been created for you, it will continue for as long as you need it, with the money available continuing to grow as your business grows, and providing cash as you require it.

 

Benefits of a Trucking Factoring Company Vs. A Bank Loan

 

While not every business can take advantage of Trucking Factoring account financing (you have to have a business that has account receivables) for those that can use this type of financing there are several distinct benefits.

 

1. There is no debt. You do not incur debt as you do with a bank loan because the Trucking Factoring company actually purchases your accounts receivable. One of the main benefits of this kind of financing is that your business credit rating and your personal credit rating will not be affected. In the event that your business fails, you would not have to be concerned about someone coming after your personal or your business assets in order to pay off a loan. With a bank loan, the debt goes onto your credit report, and even one late payment can adversely affect your businesses credit, and even the ability to get insurance and may even reflect upon your personal credit rating.

 

2. No Collateral Required. Another benefit of using a Trucking Factoring company instead of a traditional loan is that you are not required to provide collateral to the Trucking Factoring company in order to secure financing, because the company �buys� the accounts receivables; not loans you money based on them. In addition, while the Trucking Factoring company does run a credit check on your customers whose accounts receivables are offered for financing, the state of your credit is not an issue. This means that it is easier for new businesses to access the finance they need through a Trucking Factoring company, providing their accounts receivable are in good order. A bank may believe you haven't been in business long enough to be able to cover this risk.

 

3. Receive Your Money Faster. With a Trucking Factoring company you can actually get the money you need faster. Once the Trucking Factoring company assures itself that the customers in your accounts receivable are likely to pay their debt, the money is usually in the account within 24 hours. With a bank, there are vast amounts of paperwork, then the loan has to be underwritten, which can take months before you actually see the loan if it is approved.

 

4.Interest is Paid Up Front. With a bank loan interest continues to build, and this has to be paid the whole time you have a business loan; however with a Trucking Factoring company there is no interest - they take it right off the top by deducting it from the total amount of receivable accounts. So not only are you relieved of those monthly loan payments, but you also do not have to worry about the building up of interest, as every penny in the account is yours to spend on the business.

 

As you can see, there are several benefits that makes considering financing through a Trucking Factoring company over a traditional bank worthwhile. However, there are also a couple of other benefits that a factory company can offer your business is far beyond the scope of the bank. The main benefit is that once you've sold your accounts receivable to the Trucking Factoring company, you are free from having to collect money owed by your customers. Since these accounts belong to the Trucking Factoring company, this is now their job. Trucking Factoring companies are very efficient at debt collecting, and this frees up your valuable time to devote to running your company.

 

Another bonus is that, because the Trucking Factoring company has evaluated the quality of your customers' credit before buying the accounts receivable, you learn valuable information regarding your customers, like which ones are likely to pay, and which ones are less likely to pay.While a Trucking Factoring company is not the only way for your business to obtain the money it needs to keep growing, it does offer a type of financing well worth considering.

 

"
Jasonsloan.Org/

 

 

 

 

 

More Trucking Invoice Factoring Companies -Articles

 

 

 

"

Traditional Bank Loans

 

Bank loans are an extremely traditional way for a business to get financing. While these loans are handy they are not available to every business. As an example, a newly formed business may not have the required assets to qualify for a bank loan, and even if they did, it is usual practise for a bank to use the business itself as collateral. This means that if you default on your loan payment you could lose your entire business. Plus, the amount you apply for through the bank is the actual amount that you are going to receive. Once the loan is paid off, you can then apply for another loan if the need arises.

 

Trucking Factoring Companies

 

Trucking Factoring companies do not offer loans, and you do not go into debt when you get money from a Trucking Factoring company. The finance you receive from the Trucking Factoring company is determined by money already earned by your business, but not yet received. The Trucking Factoring company purchases your accounts receivable, or part of them, for a certain percentage of their value - this is normally about 80-95%. The amount of money you can receive is based on the amount of money you have earned and the accounts receivable you are willing to �sell.� Once a Trucking Factoring account has been created for you, it will continue for as long as you need it, with the money available continuing to grow as your business grows, and providing cash as you require it.

 

Benefits of a Trucking Factoring Company Vs. A Bank Loan

 

While not every business can take advantage of Trucking Factoring account financing (you have to have a business that has account receivables) for those that can use this type of financing there are several distinct benefits.

 

1. There is no debt. You do not incur debt as you do with a bank loan because the Trucking Factoring company actually purchases your accounts receivable. One of the main benefits of this kind of financing is that your business credit rating and your personal credit rating will not be affected. In the event that your business fails, you would not have to be concerned about someone coming after your personal or your business assets in order to pay off a loan. With a bank loan, the debt goes onto your credit report, and even one late payment can adversely affect your businesses credit, and even the ability to get insurance and may even reflect upon your personal credit rating.

 

2. No Collateral Required. Another benefit of using a Trucking Factoring company instead of a traditional loan is that you are not required to provide collateral to the Trucking Factoring company in order to secure financing, because the company �buys� the accounts receivables; not loans you money based on them. In addition, while the Trucking Factoring company does run a credit check on your customers whose accounts receivables are offered for financing, the state of your credit is not an issue. This means that it is easier for new businesses to access the finance they need through a Trucking Factoring company, providing their accounts receivable are in good order. A bank may believe you haven't been in business long enough to be able to cover this risk.

 

3. Receive Your Money Faster. With a Trucking Factoring company you can actually get the money you need faster. Once the Trucking Factoring company assures itself that the customers in your accounts receivable are likely to pay their debt, the money is usually in the account within 24 hours. With a bank, there are vast amounts of paperwork, then the loan has to be underwritten, which can take months before you actually see the loan if it is approved.

 

4.Interest is Paid Up Front. With a bank loan interest continues to build, and this has to be paid the whole time you have a business loan; however with a Trucking Factoring company there is no interest - they take it right off the top by deducting it from the total amount of receivable accounts. So not only are you relieved of those monthly loan payments, but you also do not have to worry about the building up of interest, as every penny in the account is yours to spend on the business.

 

As you can see, there are several benefits that makes considering financing through a Trucking Factoring company over a traditional bank worthwhile. However, there are also a couple of other benefits that a factory company can offer your business is far beyond the scope of the bank. The main benefit is that once you've sold your accounts receivable to the Trucking Factoring company, you are free from having to collect money owed by your customers. Since these accounts belong to the Trucking Factoring company, this is now their job. Trucking Factoring companies are very efficient at debt collecting, and this frees up your valuable time to devote to running your company.

 

Another bonus is that, because the Trucking Factoring company has evaluated the quality of your customers' credit before buying the accounts receivable, you learn valuable information regarding your customers, like which ones are likely to pay, and which ones are less likely to pay.While a Trucking Factoring company is not the only way for your business to obtain the money it needs to keep growing, it does offer a type of financing well worth considering.

 

"