LVRG Business Funding Launches SBA Express Working Capital Loans for Michigan Small Businesses
Michigan's Business Financing Authority Delivers Fast, Flexible Capital Solutions for Detroit, Metro Detroit, and Statewide Business Growth
⚡ Fast Track Your Application: Get pre-approved in 24 hours. Apply Now at LVRGFunding.com/apply-now or call (855) 998-LVRG
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Program Highlights
Eligibility Requirements
Approved Uses
Industries We Serve
Cities We Serve
Application Process
FAQs
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Detroit, Michigan – LVRG Business Funding, recognized as the state's Business Financing Authority, is proud to announce the launch of its LVRG Express Working Capital Loan Program—a streamlined financing solution designed specifically for established small businesses who need access to capital quickly and efficiently.
With over 20 years of experience and more than $1 billion in business loans funded to over 10,000 businesses nationwide, LVRG Business Funding continues its commitment to empowering entrepreneurs and business owners throughout Detroit, Grand Rapids, Ann Arbor, and communities across the Great Lakes State with the strategic capital they need to seize opportunities and drive sustainable growth.
Fast Business Loans for Michigan's Growing Economy
The LVRG Express Working Capital Loan Program represents a significant advancement in small business financing. Whether you're operating in Detroit's revitalized downtown, expanding throughout Metro Detroit's thriving suburbs, growing in Grand Rapids' vibrant business community, or anywhere across the state, LVRG Business Funding delivers the working capital solutions your business needs to compete and succeed.
"Business owners deserve financing solutions that move at the speed of opportunity," said Charles M. Barr, CEO and Founder of LVRG Business Funding. "Our Express Working Capital Loan Program eliminates the lengthy approval processes and excessive requirements that hold businesses back. We're providing entrepreneurs from Detroit to Lansing, Warren to Ann Arbor, with fast access to flexible capital so they can focus on what matters most—growing their businesses and creating jobs in our communities."
LVRG Express Working Capital Loans: Program Highlights
LVRG Business Funding's Express Working Capital Loan Program delivers powerful financing advantages for small businesses operating throughout the state:
Loan Amounts & Terms Designed for Small Businesses
Key Features:
Flexible Loan Amounts: $10,000 to $350,000 in working capital financing for business growth
Extended Repayment Terms: Up to 10-year terms available, providing manageable monthly payments
No Prepayment Penalties: Pay off your loan early without penalty fees
Competitive Variable Pricing: Tailored rates based on your business's financial strength and creditworthiness
Streamlined Application Process for Detroit & Metro Detroit Businesses
Digital Application Platform: Complete your business loan application online in minutes at LVRGFunding.com/apply-now
Fast Credit Decisions: Efficient underwriting process keeps your business on track for rapid funding
No Hard Personal Credit Pulls: Protecting business owners' credit scores during the application review
Minimal Collateral Requirements: No personal collateral required for qualifying businesses
Quick Funding Timeline: Most loans fund within 15-20 business days
Simplified Documentation Requirements
LVRG Business Funding understands that business owners are busy running their companies. Our Express Working Capital Loan Program requires minimal documentation:
✓ Completed LVRG application forms
✓ Most recent 3 months of business bank statements
✓ Last 3 years of filed business tax returns
✓ Current interim financial statements (within 90 days)
✓ Business debt schedule
Eligibility Requirements for Small Business Loans
LVRG Business Funding's Express Working Capital Loan Program is available to established small businesses throughout Detroit, Metro Detroit, Grand Rapids, Ann Arbor, Lansing, and communities statewide. To qualify for business financing through our Express program, your company must meet these straightforward requirements:
Minimum 2 Years in Business: At least 2 years of operating history required
Credit Score Requirement: Minimum FICO score of 650 for business owners
Minimum SBSS Score: Business credit score of 165 or higher
Debt Service Coverage: Demonstrated ability to maintain at least 1.25x debt service coverage ratio
Current on Obligations: Must be current on all existing business and personal debt
No Recent Bankruptcies: No bankruptcies filed within the last 7 years
Cash Flow Requirement: Proven cash flow demonstrating capacity for loan repayment
💡 Not Sure If You Qualify? Our team evaluates each application individually. Even if you don't meet all requirements, contact us at (855) 998-5874 to discuss alternative financing options.
Approved Uses for Working Capital Loans
LVRG Business Funding's Express Working Capital Loans provide businesses with flexible financing for a wide range of business purposes, excluding commercial real estate transactions. Business owners across Detroit, Metro Detroit, and throughout the state can use Express Working Capital Loan proceeds for:
Equipment Purchases: Finance essential equipment for your operations, from manufacturing machinery to restaurant equipment to medical devices
Working Capital & Cash Flow: Cover day-to-day operational expenses, payroll, inventory purchases, and seasonal fluctuations
Business Expansion & Growth: Fund expansion initiatives, new locations, or market entry strategies
Leasehold Improvements: Renovate and improve your business location (improvements up to $350,000)
Debt Refinancing: Consolidate and refinance existing high-interest business debt to improve cash flow
Business Acquisitions: Purchase existing businesses within approved industries (restrictions apply)
Inventory & Supplies: Stock up on inventory for peak seasons or take advantage of bulk purchasing opportunities
Marketing & Advertising: Invest in growing your business through strategic marketing campaigns
Technology Upgrades: Modernize your business with new software, hardware, or digital infrastructure
Industries We Serve Across Michigan
LVRG Business Funding specializes in providing Express Working Capital Loans to businesses across numerous industries. Whether you're operating in Detroit's urban core, throughout Metro Detroit's suburbs, or in communities like Grand Rapids, Warren, Sterling Heights, Dearborn, or Ann Arbor, we have deep expertise financing these established business sectors:
Professional Services Across Michigan
Accounting & Tax Preparation Services
Law Firms
Professional Services Firms
Educational Services
Investment Advisory
Healthcare & Medical Services
Dental Practices
Veterinary Clinics
Healthcare Facilities
Home Care
Pharmacy
Food & Hospitality Businesses
Franchise Restaurants
Approved Franchise Concepts
Food Service Establishments
Automotive & Transportation in Metro Detroit
Auto Dealerships
Automotive Care
Automotive Service Providers
Construction & Trades
HVAC and Plumbing Contractors
Restoration, Remediation, and Cleaning
Specialty Trade Contractors
Technology & Business Services
Managed Service Providers (MSPs)
Broadband and Telecommunications
Technology Firms
Additional Industries
Agriculture Operations
Fitness Centers
Funeral Homes and Crematories
Government Contracting
Hardware Stores
Insurance Agencies
Pet Care Facilities
Property Management
RV Parks
Self-Storage Facilities
General Small Businesses
Note: Certain industries may have stricter underwriting requirements. Some industries are restricted and not eligible for Express Working Capital Loans. Contact LVRG Business Funding to discuss your specific business and industry eligibility.
Serving Business Owners Throughout Michigan
LVRG Business Funding proudly serves established businesses across the Great Lakes State. Our Express Working Capital Loan Program is available to business owners in:
Major Michigan Cities We Serve:
Detroit - Michigan's largest city and economic hub
Grand Rapids - West Michigan's business center
Warren - Metro Detroit manufacturing
Sterling Heights - Automotive and tech corridor
Ann Arbor - Innovation and healthcare
Lansing - State capital
Dearborn - Automotive headquarters
Livonia - Commercial hub
Troy - Corporate center
Farmington Hills - Professional services
Flint - Manufacturing resurgence
Rochester Hills - Growing business community
Southfield - Office and retail
Novi - Technology corridor
And throughout Michigan - From the Upper Peninsula to the Ohio border
Whether your business is in a major metropolitan area or a smaller community, LVRG Business Funding delivers the same fast, professional service and competitive lending terms.
Why Michigan Business Owners Choose LVRG Business Funding
For over two decades, LVRG Business Funding has been the trusted financing partner for established businesses throughout the United States. As the state's Business Financing Authority, we've built our reputation on delivering results for entrepreneurs and business owners who need strategic capital solutions.
20+ Years Serving Michigan Businesses
Since our founding, LVRG Business Funding has facilitated over $1 billion in business financing to more than 10,000 established businesses nationwide. Our deep knowledge of Detroit's business landscape and Metro Detroit's diverse economy, combined with our understanding of markets from Grand Rapids to Ann Arbor, positions us uniquely to serve businesses throughout the state.
By The Numbers:
✓ $1+ Billion in business financing facilitated
✓ 10,000+ businesses funded nationwide
✓ 20+ Years of financing expertise
✓ 15-20 Days average funding timeline
✓ $50K-$50M total lending capacity
Boutique Service, Institutional Capabilities
LVRG Business Funding combines the personalized attention of a boutique financing firm with the capital capacity and lending partnerships of major institutions. This unique positioning allows us to serve businesses with loan amounts ranging from $50,000 to $50 million across our full suite of financing products, while our Express Working Capital Loan Program specifically targets the $10,000 to $350,000 range that many small businesses require.
Fast, Transparent, Reliable
Business owners choose LVRG Business Funding because we deliver what we promise. No gimmicks, no hidden fees, no misleading tactics. Our Express Working Capital Loan Program provides straightforward terms, rapid credit decisions, and funding timelines that keep your business moving forward. When opportunity knocks, LVRG Business Funding ensures you have the capital to answer.
Strategic Partnership Approach
We don't view ourselves as transactional lenders. LVRG Business Funding builds long-term strategic partnerships with business owners. Whether you're launching a new product line, expanding to additional locations, or navigating challenges, LVRG stands with you as a trusted capital partner committed to your success.
The LVRG Express Working Capital Loan Process
Securing business financing shouldn't be complicated or time-consuming. LVRG Business Funding has streamlined our Express Working Capital Loan process to get business owners the capital they need efficiently:
6-Step Funding Process:
1. Apply Online - 5-minute digital application
2. Consultation - Advisor reviews your needs
3. Documentation - Submit required documents
4. Underwriting - Fast credit decision
5. Approval - Review clear loan terms
6. Funding - Receive capital in 15-20 days
Step 1: Connect & Apply
Click here to complete our digital application. The online application takes just minutes and provides LVRG Business Funding with an overview of your business and financing needs. We don't run hard credit pulls during the initial application, protecting your credit score.
Step 2: Consultation & Documentation
An experienced LVRG Business Funding advisor will contact you promptly to discuss your business financing needs and determine the best path forward. We'll request key documents such as business bank statements, tax returns, and current financial statements. Our team works closely with business owners to make the documentation process as seamless as possible.
Step 3: Underwriting & Credit Decision
LVRG Business Funding's efficient underwriting and credit decision process reviews your business's financial profile and creditworthiness. Our streamlined approach means faster decisions compared to traditional bank financing. We evaluate your business's ability to service debt, cash flow strength, and overall financial health.
Step 4: Loan Approval & Terms Review
Once approved, you'll receive clear loan terms outlining your Express Working Capital Loan amount, interest rate, repayment term, and any conditions. LVRG Business Funding believes in transparency—business owners deserve to understand exactly what they're agreeing to. If anything needs adjustment, we'll work collaboratively with you to structure optimal terms.
Step 5: Streamlined Digital Closing
LVRG Business Funding utilizes a digital closing process that eliminates unnecessary paperwork and delays. Business owners can review and execute loan documents electronically, expediting the closing timeline. Most Express Working Capital Loans close within 15-20 business days from completed application.
Step 6: Funding & Online Account Access
Upon closing, loan proceeds are disbursed directly to your business bank account. You'll receive access to LVRG Business Funding's online servicing platform where you can view your loan details, make payments, track your balance, and access account information 24/7 from anywhere.
Michigan Small Business Loan FAQs
How quickly can my Michigan business get funded through the Express Working Capital Loan Program?
Most LVRG Express Working Capital Loans fund within 15-20 business days from the time you submit a completed application with all required documentation. In some cases, businesses with strong financials and straightforward requests may fund even faster. LVRG Business Funding prioritizes speed without sacrificing thorough underwriting.
Does LVRG Business Funding only serve businesses in Detroit and Metro Detroit?
While LVRG Business Funding is proud to be recognized as the state's Business Financing Authority and maintain deep roots in Detroit and Metro Detroit, our Express Working Capital Loan Program serves established small businesses throughout all of the Great Lakes State—from the Upper Peninsula to the Ohio border, from Lake Michigan shoreline communities to businesses along Lake Huron. Additionally, LVRG Business Funding provides financing solutions to businesses nationwide through our broader lending programs.
What credit score do I need to qualify for an Express Working Capital Loan?
LVRG Business Funding requires a minimum personal FICO score of 650 and a minimum business SBSS credit score of 165 for Express Working Capital Loan approval. Business owners with credit scores below these thresholds may still qualify for alternative financing programs offered by LVRG Business Funding. Contact our team at LVRGFunding.com/apply-now to discuss your situation and explore available options.
Can startup businesses qualify for Express Working Capital Loans?
The LVRG Express Working Capital Loan Program requires a minimum of 2 years of business operations. However, startup businesses within certain approved franchise concepts, veterinary practices, and dental industries may qualify under specific conditions. Entrepreneurs launching new businesses should contact LVRG Business Funding to discuss startup financing alternatives, including our other working capital and growth financing products.
What if my business operates in an industry not listed as approved?
LVRG Business Funding serves businesses across dozens of industries. If your specific industry isn't explicitly listed in our approved sectors, contact our team to discuss eligibility. We evaluate each business individually and can often structure financing for businesses outside our standard industry list. Some industries may require additional documentation or have modified underwriting requirements.
Does LVRG Business Funding require personal guarantees for business loans?
While LVRG Express Working Capital Loans do not require personal collateral, personal guarantees from business owners may be required depending on the business structure, loan amount, and creditworthiness. Our team will clearly communicate all loan requirements during the application process so business owners understand their obligations before committing.
Can I use an Express Working Capital Loan to purchase commercial real estate?
No, the LVRG Express Working Capital Loan Program specifically excludes commercial real estate transactions. However, LVRG Business Funding offers specialized commercial real estate financing programs for businesses looking to purchase property. Visit LVRGFunding.com or contact our team to discuss commercial real estate financing options.
What makes LVRG Business Funding different from traditional banks?
LVRG Business Funding combines speed, flexibility, and personalized service that traditional banks struggle to match. While banks often require extensive documentation, lengthy approval processes, and rigid underwriting guidelines, LVRG's boutique approach delivers faster decisions, creative deal structuring, and a consultative partnership mentality. We leverage relationships with institutional lenders and banks to access competitive capital while maintaining the agility and service standards of a privately-held financing firm dedicated to business success.
Additional LVRG Business Funding Programs
Beyond our Express Working Capital Loan Program, LVRG Business Funding offers comprehensive financing solutions for established businesses with larger capital requirements:
Working Capital & Growth Financing ($50K - $5M)
For businesses requiring more substantial working capital than our Express program provides, LVRG Business Funding offers traditional working capital financing, revenue-based financing, SBA loans, and business acquisition financing with deal sizes from $50,000 to $5 million. These programs serve companies ready for significant expansion, strategic acquisitions, or major operational initiatives.
Big Ticket Equipment Financing ($100K - $50M)
LVRG Business Funding specializes in heavy equipment financing for businesses in construction, manufacturing, medical, agriculture, power generation, aviation, food packaging, transportation, and fitness industries. Our big ticket equipment financing programs fund deals from $100,000 to $50 million for companies making substantial capital investments in machinery and equipment.
SBA Loans Through LVRG
As the state's Business Financing Authority, LVRG Business Funding facilitates SBA loan programs through our dedicated platform, SBALoansMichigan.com. SBA 7(a) loans, SBA 504 loans, and SBA Express loans provide business owners with government-backed financing featuring competitive rates, extended terms, and favorable conditions for eligible businesses. Visit SBALoansMichigan.com to explore SBA financing options for your business.
Ready to Secure Working Capital for Your Business?
Don't let capital constraints hold your business back from achieving its full potential. Whether you're expanding operations in Detroit, growing throughout Metro Detroit, or seizing opportunities anywhere from Grand Rapids to Ann Arbor, LVRG Business Funding's Express Working Capital Loan Program delivers the fast, flexible financing your business needs to succeed.
LVRG Business Funding has facilitated over $1 billion in financing to more than 10,000 established businesses over the past 20 years. Our reputation as the state's Business Financing Authority was earned through consistent performance, unwavering commitment to client success, and a no-nonsense approach to business financing.
About LVRG Business Funding
LVRG Business Funding is a boutique financing firm recognized as the state's Business Financing Authority. Founded over 20 years ago by Charles M. Barr, LVRG has facilitated more than $1 billion in business loans to over 10,000 established businesses nationwide. With direct lending capabilities and strategic partnerships with leading institutional funds, commercial lenders, and banks, LVRG Business Funding delivers creative financing solutions ranging from $50,000 to $50 million across multiple asset classes and industries.
LVRG Business Funding is built on integrity, professionalism, and an unwavering commitment to client success. The company serves businesses throughout Detroit, Metro Detroit, and across the United States with working capital financing, revenue-based financing, SBA loans, business acquisition funding, and big ticket equipment financing. LVRG's approach combines deep market expertise with access to competitive capital sources, ensuring business owners receive optimal terms and execution excellence.
LVRG Business Funding Office Phone: (855) 998-5874