Business Loans Michigan: Modern Capital for Growth-Ready Companies

Running a business in Michigan today is the most expensive it's ever been. Labor costs are up 30%. Materials cost more. Overhead has doubled. Inflation has made just staying in business more capital-intensive than growing used to be a decade ago.

And yet—growth opportunities still appear every single day. The manufacturer in Sterling Heights who can quadruple output by adding two CNC machines. The contractor in Grand Rapids who just won a $3M project but needs to buy materials upfront. The distributor in Detroit who found 10 truckloads of inventory at 40% off—but only if they buy this week. The restaurant in Ann Arbor ready to open location #2.

Growth costs money. More money than ever before.

That's where LVRG Business Funding comes in. For over 20 years, we've deployed more than $1 billion to Michigan businesses across Metro Detroit, Oakland County, Macomb County, Wayne County, Kent County, and throughout the state—providing the modern capital solutions that modern businesses need to scale, expand, and dominate their markets.

We don't fund survival. We fund growth. If you're a Michigan business generating $50,000+ monthly and ready to capitalize on what's next, this is how you fuel that growth.

Why Modern Michigan Businesses Need More Capital Than Ever

The economic reality facing Michigan businesses today is unprecedented:

Operating Costs Have Exploded

• Skilled labor costs 30-50% more than five years ago

• Commercial insurance premiums have doubled

• Fuel, utilities, and overhead have increased 40%+

• Materials and inventory cost significantly more

• Just maintaining current operations requires more cash than growth used to require

Growth Opportunities Cost More—But Deliver Higher Returns

• Equipment that used to cost $200K now costs $300K—but increases output 4x

• Marketing campaigns cost more—but reach more qualified buyers

• Quality employees command higher salaries—but drive more revenue

• Prime real estate costs more—but positions you in high-traffic markets

Competitors Are Capitalizing or Getting Left Behind

• Well-capitalized businesses are buying market share

• Undercapitalized competitors are shrinking or failing

• The gap between funded growth and stagnation has never been wider

Modern businesses don't just need capital to grow. They need capital to compete, survive, and position for the opportunities that appear daily in Michigan's dynamic economy.

What Growth Actually Costs in Today's Economy

Let's talk real numbers about what it actually costs to scale a Michigan business in 2025:

For Manufacturers:

• Adding production equipment to double capacity: $500K to $5M

• Hiring skilled machinists and operators: $80K-$120K per employee annually

• Inventory to fulfill larger contracts: $100K to $1M+

• Result: 3-4x revenue increase, major client acquisition, competitive moat

For Construction Companies:

• Equipment to bid on larger projects: $300K to $2M per major piece

• Materials before client payments arrive: $50K to $500K per project

• Crew expansion to handle multiple jobs: $75K-$100K per skilled worker

• Result: Bid on 10x larger projects, increase margins, dominate market

For Restaurants & Hospitality:

• Second location build-out: $300K to $1.5M

• Kitchen equipment and technology: $100K to $500K

• Pre-opening inventory and staffing: $50K to $200K

• Result: Double revenue, establish brand presence, economies of scale

For Distributors & Wholesalers:

• Inventory purchases to lock in pricing: $200K to $5M

• Warehouse expansion or additional facilities: $500K to $3M

• Fleet expansion for delivery capacity: $150K to $1M

• Result: Negotiate volume pricing, increase margins, capture market share

For Healthcare Providers:

• Advanced diagnostic equipment: $300K to $2M

• Practice expansion or additional locations: $400K to $1.5M

• Staff expansion to increase patient capacity: $100K to $500K

• Result: Serve more patients, offer premium services, command higher rates

Every single growth opportunity costs money. The businesses that access capital fast win. The ones that wait—or can't access capital—watch opportunities disappear.

Modern Funding Solutions for Michigan Businesses

Working Capital: Immediate Fuel for Immediate Growth

What It Funds:
Working capital deploys cash NOW for the opportunities that appear this week—not next quarter. Stock inventory when your supplier offers bulk discounts. Cover payroll while ramping up for a major contract. Bridge the gap between materials purchase and client payment. Launch the marketing campaign that will 3x your pipeline.

Funding Range: $25,000 to $1,500,000

Timeline: 3 to 7 days from application to capital deployment

Real Growth Applications:

• Construction: Fund $200K in materials for a $800K project starting Monday

• Manufacturing: Purchase $150K in raw materials to fulfill order 3x your normal volume

• Retail: Buy $75K in inventory for Black Friday when your distributor offers 35% off in October

• Healthcare: Hire two additional providers to handle patient backlog and expand hours

• Distribution: Buy competitor's remaining inventory at liquidation pricing

Michigan Coverage:
Fast working capital deployment across Metro Detroit, Grand Rapids, Ann Arbor, Lansing, Flint, Kalamazoo, and throughout Oakland County, Macomb County, Wayne County, Kent County, and statewide.

Qualification:

• $50,000+ monthly revenue

• 6+ months in business

• Clear growth opportunity requiring immediate capital

Equipment Financing: Scale Your Capacity, Multiply Your Output

What It Funds:
Equipment financing puts major production assets in your operation fast—enabling you to take on larger clients, increase output, improve efficiency, and outcompete businesses running outdated equipment.

Funding Range: $100,000 to $50,000,000+

Timeline: 5 to 14 days for qualified equipment purchases

Real Growth Applications:

Manufacturing:

• Add two CNC machines ($600K) to quadruple production capacity

• Purchase automated assembly line ($2M) to reduce labor costs 40%

• Install industrial packaging equipment ($400K) to fulfill major retail contracts

Construction:

• Buy excavators and dozers ($1.5M) to bid on commercial projects 10x your current size

• Add concrete equipment ($800K) to bring formerly subcontracted work in-house

• Purchase dump trucks and haulers ($500K) to increase project margins

Transportation:

• Expand fleet with 10 semi-trucks ($1.2M) to service new logistics contract

• Add specialized refrigerated trailers ($600K) to enter cold chain market

• Purchase last-mile delivery vans ($300K) to offer premium shipping

Healthcare:

• Install MRI or CT scanner ($1.5M) to offer advanced diagnostics in-house

• Purchase dental equipment suite ($400K) for second location

• Add surgical equipment ($800K) to expand service offerings

Agriculture:

• Buy combines and harvesters ($900K) to increase acreage capacity 3x

• Purchase irrigation systems ($400K) to improve yields and reduce risk

• Add grain storage and drying ($1.2M) to capture post-harvest pricing

Food Service:

• Install commercial kitchen buildout ($300K) for high-volume catering

• Purchase brewing and distilling systems ($500K) for production expansion

• Add food truck fleet ($200K) for event and festival revenue

Rates: 6% to 12% (equipment serves as collateral)

Terms: 3 to 10 years based on equipment useful life

Michigan Equipment Financing:
We finance equipment purchases for Michigan manufacturers, contractors, healthcare providers, agricultural operations, and transportation companies throughout Metro Detroit's industrial corridor, West Michigan's manufacturing centers, agricultural regions statewide, and every Michigan county.

Revenue-Based Financing: Flexible Capital for Variable Revenue Businesses

What It Funds:
Revenue-based financing provides capital with repayment tied to your sales performance—enabling businesses with strong but variable revenue to access growth capital without the rigidity of fixed monthly payments.

Funding Range: $25,000 to $500,000

Timeline: 24 to 72 hours

Real Growth Applications:

• Retail: Stock seasonal inventory before peak season without draining cash reserves

• Restaurants: Launch aggressive marketing campaign to fill slower weekdays

• E-commerce: Purchase inventory for new product line launch

• Hospitality: Invest in property improvements during slower season to command higher rates

Repayment Structure:
Daily or weekly payments as a percentage of revenue—higher payments during strong periods, lower during slower times. Your capital costs scale with your business performance.

Michigan Coverage:
Revenue-based financing available statewide for retail, restaurant, hospitality, and service businesses with $50,000+ monthly revenue.

SBA Loans: Institutional Capital for Major Growth Moves

What They Fund:
SBA loans deliver government-backed financing at competitive rates for the biggest growth plays—business acquisitions, commercial real estate purchases, major equipment investments, and large-scale expansions.

Loan Amounts:

• SBA 7(a): $500,000 to $5,000,000

• SBA 504: $500,000 to $16,500,000 (manufacturing and energy projects)

• SBA 504 Commercial Real Estate: Regularly structured $5M to $15M+

• SBA Express: Up to $500,000

Timeline: 45 to 90 days (7a and 504), 10 to 14 days (Express)

Real Growth Applications:

• Business Acquisition: Buy your competitor for $2M and consolidate market share

• Commercial Real Estate: Purchase your facility for $3.5M and eliminate rent forever

• Major Equipment: Finance $5M in production equipment to enter new market segments

• Multi-Location Expansion: Fund $1.5M build-out of three new retail locations

For comprehensive SBA loan information: SBALoansMichigan.com

Michigan SBA Financing:
LVRG facilitates SBA loans for Michigan businesses throughout Metro Detroit, Grand Rapids, Ann Arbor, Lansing, and statewide.

Michigan Industries We Fuel

Manufacturing & Industrial: Scale Production, Capture Major Contracts

Michigan manufacturing drives billions in economic output. We fund the equipment, inventory, and expansion capital that enables manufacturers to scale.

Growth Capital For:

• Production equipment to multiply output

• Inventory to fulfill major OEM contracts

• Facility expansion or acquisition

• Automation to reduce costs and improve quality

Markets: Metro Detroit automotive suppliers, Grand Rapids advanced manufacturing, Kalamazoo industrial production, Saginaw manufacturing corridor, statewide industrial operations

Construction & Contracting: Bid Bigger, Build Faster, Dominate Markets

Construction companies need capital to buy equipment, purchase materials before payment, and scale crews to handle multiple large projects simultaneously.

Growth Capital For:

• Heavy equipment to bid on commercial and infrastructure projects

• Materials financing before owner payments arrive

• Fleet expansion to service multiple job sites

• Bonding capacity through improved capitalization

Markets: Oakland County contractors, Macomb County builders, Wayne County heavy civil, Kent County construction, statewide contracting operations

Healthcare: Expand Capacity, Offer Premium Services, Dominate Your Market

Medical practices, dental offices, and healthcare facilities compete on technology, convenience, and service breadth. Capital enables expansion.

Growth Capital For:

• Advanced diagnostic and treatment equipment

• Second and third location expansion

• Practice acquisitions to consolidate market share

• Staff expansion to reduce wait times and increase patient volume

Markets: Ann Arbor medical practices, Grand Rapids healthcare, Lansing medical facilities, Metro Detroit healthcare providers, statewide coverage

Restaurants & Hospitality: Launch New Locations, Scale Your Brand

Restaurant and hospitality growth means new locations, upgraded facilities, enhanced experiences, and marketing that drives traffic.

Growth Capital For:

• Second, third, fourth location build-outs

• Kitchen equipment for higher-volume production

• Marketing campaigns to establish brand presence

• Seasonal inventory and staffing for peak periods

Markets: Detroit restaurants, Grand Rapids dining, Ann Arbor hospitality, Traverse City tourism, statewide restaurant operators

Retail & E-Commerce: Stock Inventory, Launch Products, Scale Operations

Retail success requires capital to stock inventory, launch new product lines, expand locations, and market aggressively.

Growth Capital For:

• Inventory purchases to capture bulk discounts

• New product line launches

• Additional retail locations

• E-commerce platform expansion and marketing

Markets: Metro Detroit retail, Grand Rapids commerce, Ann Arbor retail corridor, statewide retail operations

Transportation & Logistics: Expand Fleets, Service Larger Contracts

Transportation businesses scale by adding vehicles, expanding service areas, and servicing larger logistics contracts that require substantial fleet capacity.

Growth Capital For:

• Semi-truck and trailer fleet expansion

• Specialized equipment (refrigerated, flatbed, tanker)

• Warehouse and distribution facility expansion

• Technology and dispatch systems

Markets: I-94 and I-75 logistics corridors, Metro Detroit transportation, Port Huron freight, statewide logistics operations

Geographic Coverage: Fueling Growth Across Michigan

Metro Detroit & Tri-County: Michigan's Economic Engine

We serve growth-focused businesses throughout Michigan's largest metropolitan area, where manufacturers, contractors, healthcare providers, and service businesses compete in dynamic, capital-intensive markets.

Wayne County: From Detroit's industrial corridors to Dearborn's manufacturing hub, Livonia's commercial districts to Canton's growing business community, we finance the equipment purchases, working capital needs, and expansion projects that fuel Metro Detroit's economic growth.

Oakland County: Troy's corporate corridor, Southfield's business district, Farmington Hills' professional services, Novi's retail and technology sectors, and Rochester Hills' healthcare market represent some of Michigan's most sophisticated business environments. We provide the capital that enables these businesses to scale.

Macomb County: Sterling Heights, Warren, Clinton Township, and Shelby Township form Michigan's manufacturing heartland—automotive suppliers, industrial operations, and the contractors who support them. Equipment financing, working capital, and growth loans fuel this region's continued dominance.

West Michigan: Manufacturing & Distribution Hub

Kent County: Grand Rapids anchors West Michigan's economy with manufacturing, healthcare, hospitality, and professional services. We finance equipment purchases, facility expansions, business acquisitions, and the working capital that enables rapid growth.

Ottawa & Muskegon Counties: Holland, Grand Haven, Zeeland, Muskegon, and surrounding communities represent thriving manufacturing, agriculture, and tourism markets requiring capital for equipment, expansion, and seasonal operations.

Mid-Michigan: Government, Healthcare & Automotive

Ingham County: Lansing's government contracting sector, healthcare providers, and professional services create unique capital needs. We understand this market and deploy capital accordingly.

Genesee County: Flint's manufacturing resurgence, Burton's industrial operations, and the region's automotive supplier network benefit from our equipment financing and growth capital expertise.

Southeast Michigan: Innovation & Advanced Industries

Washtenaw County: Ann Arbor's healthcare, technology, manufacturing, and retail sectors demand sophisticated financing solutions. We provide capital for medical equipment, facility expansion, inventory financing, and business growth across this innovation corridor.

Statewide Michigan Coverage

Beyond major metros, we finance growth for Michigan businesses in Kalamazoo, Battle Creek, Saginaw, Bay City, Midland, Port Huron, Traverse City, Petoskey, Marquette, and communities throughout Central Michigan, Northern Michigan, the Thumb Region, and the Upper Peninsula.

If you're a Michigan business ready to grow, we're ready to fund that growth.

Why Growth-Focused Michigan Businesses Choose LVRG

We Understand Growth Economics

We've deployed over $1 billion to Michigan businesses over 20 years. We understand that growth costs money, opportunities don't wait, and speed matters. Banks move in quarters. We move in days.

Direct Lending + Institutional Partnerships

We deploy our own capital for working capital and equipment financing. We facilitate SBA loans and term financing through institutional partners. This dual approach means more options, better terms, and faster execution than any single lender can provide.

We Speak Your Industry

Whether you're scaling a manufacturing operation, expanding a construction business, launching restaurant locations, or growing a healthcare practice—we understand your growth economics, your capital needs, and your competitive dynamics.

Speed & Execution

• Working capital: 3-7 days

• Revenue-based: 24-72 hours

• Equipment financing: 5-14 days

• SBA loans: 45-90 days

No 12-week bank processes. No endless committee approvals. Just capital deployed when opportunity demands it.

Frequently Asked Questions

Q: How quickly can Michigan businesses access growth capital?
A: Timeline varies by financing type:

• Revenue-based: 24-72 hours

• Working capital: 3-7 days

• Equipment financing: 5-14 days

• SBA loans: 45-90 days

Q: What separates LVRG from traditional Michigan banks?
A: Speed, flexibility, and growth focus. Banks are built for stability and risk avoidance. We're built to fuel growth. We deploy capital in days, not months. We understand that growth opportunities have expiration dates.

Q: Do you work with businesses outside Metro Detroit?
A: Yes. We serve Michigan businesses statewide—Grand Rapids, Ann Arbor, Lansing, Flint, Kalamazoo, Traverse City, and every region including rural areas and the Upper Peninsula.

Q: What credit profile is required?
A: Minimum standards:

• Working capital: 650+ credit score

• Equipment financing: 680+ credit score

• Revenue-based: 600+ (flexible based on revenue)

• SBA loans: 680+ credit score

Strong revenue and clear growth plans can offset credit concerns.

Q: What if we need capital for multiple growth initiatives?
A: We structure combination financing packages—equipment financing plus working capital, for example—designed to fund comprehensive growth strategies rather than single-purpose loans.

Q: How much can Michigan businesses access?
A: Financing ranges:

• Working capital: $25K to $1.5M

• Revenue-based: $25K to $500K

• Equipment financing: $100K to $50M+

• SBA loans: $500K to $16.5M

Q: What industries does LVRG finance?
A: We finance growth-focused businesses across manufacturing, construction, healthcare, hospitality, retail, distribution, transportation, and professional services. We do not finance startups, pre-revenue companies, or high-risk speculative ventures.

Ready to Fund Your Michigan Business Growth?

Growth opportunities don't wait for bank approvals. When the opportunity appears—the equipment that will 4x your output, the contract that will transform your business, the competitor available for acquisition, the location that will double your revenue—you need capital deployed FAST.

That's what LVRG does. We fund growth for Michigan businesses ready to scale.

Contact LVRG Business Funding

Headquarters: Downtown Detroit, Michigan
Service Area: Michigan and nationwide
Financing Range: $25,000 to $50,000,000

Apply Online: lvrgfunding.com/apply-now
Call Direct: (855) 998-5874

Modern capital for modern Michigan businesses. If you're ready to grow, let's talk.

About LVRG Business Funding

For over 20 years, LVRG Business Funding has served as Michigan's growth capital authority—deploying more than $1 billion to businesses across Metro Detroit, Oakland County, Macomb County, Wayne County, Kent County, and throughout Michigan.

We specialize in working capital loans, equipment financing, revenue-based financing, and SBA loans from $25,000 to $50,000,000 for businesses that understand one fundamental truth: growth costs money, and speed matters.

Our clients don't come to us to survive. They come to us to scale, expand, acquire, and dominate. We deploy capital fast so Michigan's most ambitious businesses can capitalize on opportunities the moment they appear.

If it has to do with business growth in Michigan, it has to do with LVRG.