Equipment

Michigan Equipment Financing: Getting Your Business the Equipment It Needs

Look, I've been helping Michigan businesses get equipment financing for years, and I can tell you one thing - this state's got some serious industrial DNA. From the auto plants in Detroit to the medical device shops in Grand Rapids, Michigan companies know how to build things. Problem is, they don't always know how to finance the equipment they need to keep building.

That's where we come in. I'm Charles Barr with LVRG Business Funding, and we specialize in getting Michigan businesses the equipment financing they need - anywhere from $500K to north of $100 million. We work with lenders who actually understand manufacturing and aren't afraid of bigger deals.

Why Equipment Financing Makes Sense (Especially Right Now)

Here's the thing about Michigan - we're in the middle of a manufacturing renaissance. Electric vehicles, medical devices, aerospace components, renewable energy... there's money flowing into this state like I haven't seen in decades. But here's what kills me: I watch companies sitting on cash, afraid to spend it on equipment because they might need it for something else.

That's backwards thinking.

Preserve Your Capital - This Is Critical Right Now

Smart CFOs and controllers are hoarding cash and using lease funding for all their CAPEX and production equipment. Why? Because nobody knows what's coming next. Supply chain disruptions, material price spikes, labor shortages - you name it. We finance 100% of every project, so you can save your money for whatever lies ahead.

I can't tell you how many times I've seen companies drain their cash buying equipment outright, then get caught short when a big opportunity comes along. Don't be that company. Keep your cash, finance your equipment, and stay flexible.

Get the Latest Technology or Fall Behind

Here's a wake-up call: if you're losing jobs because your current equipment can't handle the load, you're already behind. Staying competitive in the 21st century means your equipment needs to be up to the challenge of high-efficiency production and automation.

I worked with a machine shop in Detroit that was turning down contracts because their old CNC machines couldn't hit the tolerances. They were literally watching business walk out the door. We got them financed for new equipment, and within six months they were running three shifts and had a backlog of orders.

Your competitors aren't standing still - neither should you.

The state's economy is firing on all cylinders right now:

  • Detroit's not just cars anymore - it's EV batteries, autonomous systems, advanced materials

  • Grand Rapids has become a medical device powerhouse

  • Our aerospace sector is booming with both commercial and defense contracts

  • Food processing is huge thanks to Michigan's agricultural base

  • And don't get me started on renewable energy - wind and solar projects everywhere

Detroit Equipment Financing - Beyond the Big Three

Detroit's changed, but it's still the heart of American manufacturing. The difference now is the sophistication. These aren't your grandfather's assembly lines - we're talking about robotics, precision machining, advanced composites.

Last month I closed a deal with a Tier 1 supplier who needed $2.3 million for CNC machining centers. They'd been trying to get financing through their bank for six months - kept getting the runaround. We had them approved and funded in three weeks. Why? Because our lenders understand that when Ford or GM calls with a contract, you better be ready to deliver.

That supplier's now running three shifts and just landed two more contracts worth $15 million annually. That's the power of having the right equipment at the right time.

Common stuff we finance in Detroit:

  • CNC machines and precision equipment (this is huge right now)

  • Industrial robotics and automation

  • 3D printing equipment for prototyping and production

  • Quality control and testing equipment

  • Material handling systems

Grand Rapids - More Than Just Furniture

Grand Rapids surprised me when I first started working this market. Sure, there's still furniture manufacturing, but it's evolved into this diverse industrial hub. Medical devices, food processing, logistics - you name it.

I worked with a furniture manufacturer there who was still using equipment from the 1990s. Family-owned, third generation, stubborn as hell about debt. Finally convinced them to finance $1.8 million in new CNC woodworking equipment. Their productivity jumped 40% in the first year, and now they're talking about expanding into a second facility.

The beauty of Grand Rapids is the entrepreneurial spirit. These companies aren't afraid to innovate, they just need the right financial partner to make it happen.

Medical Device Equipment Financing - FDA Compliance Is Expensive

Michigan's medical device sector is exploding, but here's what most people don't realize - FDA compliance is incredibly capital-intensive. Clean rooms, specialized manufacturing equipment, testing systems... it adds up fast.

I recently worked with a Grand Rapids company developing surgical instruments. They needed $4.2 million for a sterile manufacturing facility. The challenge? They were in the middle of FDA approval and couldn't predict exactly when revenue would start flowing. We structured an operating lease that gave them flexibility during the approval process, then they hit the ground running once they got cleared.

Medical device financing is tricky because:

  • Equipment needs to meet FDA standards (expensive)

  • Approval timelines are unpredictable

  • Technology evolves quickly

  • Cash flow can be lumpy

But when you get it right, these companies scale fast. That Grand Rapids company I mentioned? They're already talking about a second facility.

Automotive Equipment Financing - The EV Revolution

The automotive industry in Michigan is going through its biggest transformation since Henry Ford invented the assembly line. Electric vehicles, autonomous systems, advanced materials - it's like a whole new industry.

I closed a $12 million deal with a supplier in Lansing who needed equipment for EV battery component production. The trick was structuring it right - we used operating leases for the rapidly-evolving technology components and capital leases for the long-term production assets. Why? Because EV technology is changing so fast, they needed flexibility to upgrade.

That supplier is now working with three major OEMs and just broke ground on a second facility. But here's the kicker - they almost passed on the opportunity because they were worried about the investment. Sometimes you have to take calculated risks to stay competitive.

The Industries We're Seeing Growth In

Advanced Manufacturing: This is where Michigan really shines. Multi-axis CNC machines, additive manufacturing, industrial robotics - companies are investing heavily in Industry 4.0 technology.

Food Processing: Michigan's agricultural base supports a massive food processing industry. Automated packaging, processing equipment, cold storage - there's consistent demand here.

Healthcare: Hospitals and medical facilities are upgrading equipment constantly. Imaging systems, surgical equipment, laboratory automation - healthcare never stops investing.

Energy: Both traditional and renewable. Wind farms, solar installations, grid infrastructure - Michigan's geographic position makes it ideal for energy projects.

Logistics: With Michigan's location and transportation infrastructure, we're seeing huge demand for warehouse automation, fleet vehicles, and material handling equipment.

How We Structure These Deals (And the Tax Benefits You Need to Know About)

Operating Leases: This is where the tax magic happens. Lease payments can often be written off as business expenses, which significantly lowers the net cost of your lease. Plus, you get flexibility with rapidly-evolving technology and can upgrade when newer equipment comes out. Your accountant will love this structure.

Capital Leases: Best when you want to build equity in the equipment while still getting depreciation benefits. You're essentially buying it over time, which works well for core production assets that you'll use for years.

Equipment Loans: Straightforward financing with competitive rates. You own the equipment immediately, pay it off over time, and can take advantage of Section 179 deductions and bonus depreciation.

Sale-Leaseback: Convert existing equipment into working capital while keeping the tax advantages. We've done this with companies that needed cash for expansion but didn't want to lose their equipment.

The tax benefits alone can make equipment financing a no-brainer. I always tell clients to talk to their accountant about the potential savings - it's often substantial.

Why Work With LVRG Business Funding?

Honestly? Because we get deals done that others can't or won't.

Our lenders have deep pockets and aren't afraid of complex transactions. When traditional banks say no, we find a way. I've structured deals for seasonal businesses, rapid-growth companies, multi-location operations - situations where conventional lenders just throw up their hands.

We move fast too. Most of our credit decisions come back within 2-10 business days. Michigan businesses don't have time to wait around for months while banks committee everything to death.

And here's something important - we actually understand Michigan's industrial landscape. When a company tells me they need equipment for EV battery production or medical device manufacturing, I know what they're talking about. That industry knowledge helps us structure better deals.

What We Need From You

Look, I'm not going to sugarcoat this - we need to see that your business makes sense. That means:

  • Financial statements that show you're making money (or have a clear path to profitability)

  • Positive cash flow that supports the equipment payments

  • Management team that knows what they're doing

  • Clear plan for how the equipment will generate ROI

We're not looking for perfection, but we need to see a solid business case. I've approved deals for companies with challenges, but there has to be a logical path to success.

Complex Deals Are Our Specialty

Some of the most interesting deals I've done involved unique situations:

  • Multi-location transactions across several Michigan facilities

  • Seasonal businesses with variable cash flow

  • International equipment purchases

  • Companies with rapid growth but limited financial history

  • Equipment requiring specialized installation or integration

If your situation isn't straightforward, that's actually where we shine. The cookie-cutter deals can go to the banks. We like solving problems.

Getting Started

If you're ready to talk equipment financing, give me a call at 855-998-5874 or email me at cbarr@lvrgllc.com.

I'll review your situation, ask some questions about your equipment needs and timeline, then prepare a customized proposal. No generic term sheets - every deal is structured specifically for your situation.

Michigan's got tremendous industrial momentum right now. Companies that invest in the right equipment today are going to dominate their markets tomorrow. The question is: do you want to be one of them?

Don't let outdated equipment cost you business. Don't drain your cash reserves on equipment purchases. And don't miss out on tax advantages that could save you thousands.

Let's get you the equipment you need while preserving your capital and keeping you competitive. Michigan's economy is firing on all cylinders - make sure your equipment is too.

Business Loans for Contractors | Construction Company Working Capital | Equipment Financing

Business Loans for Contractors | Construction Company Working Capital | Equipment Financing

Business Loans for Contractors: LVRG Means Business

"Strategic Capital for Profitable Growth" | Fast & Reliable Funding $25K–$50M+

Looking for reliable business loans for contractors? LVRG specializes in construction company working capital, equipment financing for construction businesses, and cash flow loans for general contractors. Our small business loans for tradespeople and heavy equipment financing for contractors have powered growth for over 10,000 businesses nationwide with over $1 billion in funding.

Business loans for contractors are not just a lever for growth; they're a fundamental necessity for operation in the construction and trades industry. This includes a wide array of specialists who play pivotal roles in building and maintaining the infrastructure we rely on daily. Access to reliable construction company working capital ensures these companies can meet operational demands, invest in new projects, and navigate the fluctuating landscape of the construction and trades sector.

Construction, Contractor & Trades Businesses We Serve

General Contractors & Construction Companies

  • General contractors managing multi-trade projects

  • Commercial construction companies

  • Residential construction companies

  • Design-build contractors

  • Construction management firms

Specialty Trade Contractors

  • Plumbing companies and plumbing contractors

  • Electrical companies and electrical contractors

  • HVAC companies (heating, ventilation, air conditioning)

  • Drywall companies and drywall contractors

  • Painting companies and painting contractors

  • Roofing companies and roofing contractors

  • Flooring companies and flooring contractors

  • Tile and stone contractors

  • Insulation contractors

  • Siding contractors

Heavy Construction & Infrastructure

  • Excavating companies and excavation contractors

  • Concrete companies and concrete contractors

  • Asphalt companies and paving contractors

  • Road construction companies

  • Bridge construction contractors

  • Utility construction companies

  • Pipeline contractors

  • Site preparation contractors

Specialized Construction Services

  • Demolition companies

  • Foundation contractors

  • Masonry contractors

  • Steel erection companies

  • Crane and rigging companies

  • Scaffolding companies

  • Waterproofing contractors

  • Fire protection contractors

Home Services & Maintenance

  • Garage door companies

  • Fence contractors and fencing companies

  • Deck and patio contractors

  • Swimming pool contractors

  • Septic system contractors

  • Well drilling companies

  • Chimney contractors

  • Gutter companies

Landscaping & Outdoor Services

  • Landscaping companies

  • Tree service companies

  • Irrigation contractors

  • Hardscaping contractors

  • Snow removal companies

  • Lawn care services

  • Outdoor lighting contractors

Manufacturing & Fabrication

  • Steel fabrication companies

  • Millwork and cabinet manufacturers

  • Precast concrete manufacturers

  • Truss manufacturers

  • Window and door manufacturers

  • Custom metal fabricators

The Imperative of Capital for Construction and Trade Businesses

For those in construction, general contracting, and home service repair, the work is not just demanding; it's a testament to their commitment to craftsmanship and community service. These are tough jobs, requiring not only technical skill but also a significant physical and mental investment. Our business loans for contractors provide the imperative capital needed to sustain operations, manage the high costs of materials and labor, and adapt to project demands without compromising quality or timelines.

Understanding Cash Flow Challenges in Construction & Trades

Construction and trades businesses face unique financial challenges that require specialized funding solutions. Many contractors don't get paid all at once, instead operating under various payment structures including thirds (before the job, middle of the job, and upon completion), milestone payments, or extended receivables periods. These businesses must constantly float cash to purchase materials, pay subcontractors, and cover payroll while waiting for payments. This creates an ongoing need for construction company working capital and cash flow solutions.

Comprehensive Funding Solutions: $25,000 - $5 Million

Construction Company Working Capital

Short-term construction company working capital financing designed to bridge the gap between project expenses and payment receipts. Perfect for covering immediate operational needs, payroll, materials, and subcontractor payments while waiting for project completion payments.

Cash Flow Loans for General Contractors

Our cash flow loans for general contractors provide flexible repayment structures based on your business's revenue flow, ideal for seasonal businesses or those with fluctuating income patterns common in construction and trades. These solutions help manage the complex payment structures of multi-trade projects.

Small Business Loans for Tradespeople

From $25K small business loans for tradespeople to $5M+ growth capital, we offer flexible financing solutions tailored to specialized contractors. Whether you're a plumber, electrician, or HVAC specialist, our small business loans for tradespeople provide the capital you need to grow your business.

SBA Loans

Traditional government-backed lending with competitive rates and terms, suitable for established businesses looking for longer-term capital for expansion, equipment purchases, or real estate acquisition.

Business Acquisition Financing

Strategic capital for contractors looking to buy out competition, acquire complementary businesses, or expand their market presence through strategic acquisitions.

Heavy Equipment Financing for Contractors: $250,000 to $100+ Million

Construction businesses require substantial capital investments in heavy machinery and specialized equipment. Our heavy equipment financing for contractors and equipment financing for construction businesses are designed specifically for the construction industry's unique needs.

Heavy Construction Equipment We Finance:

  • Excavators

  • Backhoes

  • Bulldozers

  • Pavers/Asphalt equipment

  • Cranes

  • Dump Trucks

  • Trenchers

  • Tractor Scrapers

  • Compactors

  • Wheel Loaders

  • Graders

  • Skid Steer

  • Concrete Trucks

  • Boom Lifts

  • Articulated Trucks

Construction Equipment Manufacturers We Finance:

  • Caterpillar

  • XCMG

  • Komatsu

  • Hitachi Construction Materials

  • John Deere

  • Volvo Construction Equipment

Overcoming Operational and Seasonal Challenges

The seasonal nature of work for landscaping companies, roofing companies, and heating & cooling companies, among others, introduces financial volatility that can be challenging to manage. Our business loans for contractors provide a buffer against this unpredictability, allowing businesses to maintain stability and continuity even during off-peak seasons. Construction company working capital also enables companies to seize growth opportunities, whether through expanding services, upgrading equipment, or hiring additional skilled workers to meet demand.

Fueling Growth and Innovation

In the competitive landscape of construction and trades, businesses are constantly striving to innovate and expand. This could mean exploring new construction techniques for general contractors, adopting the latest technologies for electricians and plumbing companies, or expanding service areas for home repair and landscaping companies. Our equipment financing for construction businesses and cash flow loans for general contractors provide the freedom to invest in these growth opportunities, positioning businesses for long-term success and leadership in their respective fields.

SERIOUS CAPITAL FOR SERIOUS BUSINESS OWNERS

Why Choose LVRG for Your Business Loans for Contractors?

For over 20 years, LVRG has been the trusted source for business loans for contractors, providing construction company working capital and equipment financing for construction businesses. We've helped more than 10,000 established businesses across the country access the capital they need to grow, funding over $1 billion in business loans along the way. Our expertise in cash flow loans for general contractors, small business loans for tradespeople, and heavy equipment financing for contractors sets us apart from traditional lenders who don't understand the construction industry's unique challenges.

LVRG is a boutique financing firm built on integrity, professionalism, and a no-nonsense approach to business. We're remarkably overcapitalized with the flexibility to structure creative deals that traditional lenders simply can't match. While others slow you down with rigid requirements, we keep things simple and strategic—providing fast, transparent funding solutions without gimmicks, hidden fees, or unnecessary obstacles.

The LVRG Advantage

We're not transactional—we're relational. Smart business owners choose us because we think like owners, not just lenders. We build ongoing partnerships that grow with your business, providing the strategic capital you need at every stage of expansion. Our clients come to us for speed and expertise. They stay with us because we deliver results that matter.

With in-house lending capabilities and a nationwide network of trusted financial partners, we build the right funding package to move your business forward—quickly, clearly, and with your long-term success in mind.

Frequently Asked Questions About Construction Business Financing

Q: What types of business loans for contractors does LVRG offer? A: We provide comprehensive financing including construction company working capital, equipment financing for construction businesses, SBA loans, and revenue-based financing tailored specifically for contractors and trades professionals.

Q: How quickly can I get construction company working capital? A: Our streamlined process typically delivers construction company working capital decisions within 24-48 hours, with funding available in as little as 2-3 business days.

Q: Do you offer equipment financing for construction businesses with poor credit? A: Yes, our equipment financing for construction businesses considers multiple factors beyond credit score, including business performance, equipment value, and industry experience.

Q: What's the difference between cash flow loans for general contractors and traditional bank loans? A: Our cash flow loans for general contractors are designed specifically for the construction industry's unique payment structures, offering more flexible repayment terms that align with your project cash flow.

Q: Are small business loans for tradespeople available for new businesses? A: We work with established businesses that have been operating for at least 2 years. Our small business loans for tradespeople are designed for businesses with proven track records and stable revenue streams.

Q: What's the maximum amount available for heavy equipment financing for contractors? A: Our heavy equipment financing for contractors ranges from $250,000 to over $100 million, depending on the equipment type, business financials, and project requirements.

Starting Your Financing Journey with LVRG Business Funding

The construction and trades industry is defined by the hard work, dedication, and skill of its professionals. From general contractors and electricians to landscaping and heavy equipment operators, these businesses are the backbone of our economy and communities. At LVRG Business Funding, we're committed to providing the financial support these businesses need to continue their invaluable work.

We didn't become one of America's strongest and most trusted funding companies by accident. We earned it through consistent performance and unwavering commitment to our clients' success.

LVRG: Where capital meets clarity, and your business meets its next level.

Ready to Secure Your Business Financing?

Whether you're looking for business loans for contractors, construction company working capital, equipment financing for construction businesses, cash flow loans for general contractors, small business loans for tradespeople, or heavy equipment financing for contractors, LVRG has the solution your business needs.

Our team is dedicated to understanding your business's unique challenges and opportunities, ensuring that our financing solutions are a perfect fit for your needs. We prioritize efficiency and transparency, recognizing that your time is best spent on the job site, not tangled in paperwork.

Take Action Now:

Call (855) 998-5874 to speak with a financing specialist today, or click below to apply now and take the first step toward securing the capital your construction or trades business needs to thrive.

Fast decisions. Flexible terms. Serious capital for serious business owners.

$4.5M Equipment Financing Secured for Grand Rapids Commercial Construction Company

LVRG Business Funding Provides Strategic Capital to Support Rapid Growth for Wolverine Construction Solutions

LVRG Business Funding is proud to announce the successful closing of a $4.5 million heavy equipment financing package for Wolverine Construction Solutions, a fast-growing commercial construction company based in Grand Rapids, Michigan.

This deal reflects a growing trend among mid- to large-sized contractors across the country: using equipment financing as a strategic lever to scale operations, not as a last resort for survival.

Why This Construction Company Sought Equipment Financing

Wolverine Construction Solutions approached LVRG with a clear objective: to expand their fleet in order to meet demand for several high-value commercial development projects across West Michigan. With aggressive project timelines and a robust backlog of awarded contracts, the company needed immediate access to capital to mobilize new crews and begin sitework on time.

Instead of tying up internal cash or waiting for payments from prior jobs, the leadership team at Wolverine chose to leverage outside financing to preserve liquidity while accelerating expansion.

This is exactly the kind of client we built LVRG for.

What Was Financed: A Full Fleet Expansion Package

The $4.5 million financing package included:

  • Excavators

  • Bulldozers

  • Dump trucks

  • Wheel loaders

  • Additional specialty construction equipment

All from leading manufacturers like Caterpillar, John Deere, and Komatsu — trusted brands that align with the high standards Wolverine maintains on their job sites.

With this financing secured, Wolverine is now positioned to execute projects they previously didn’t have the capacity to bid on. That’s the power of strategic capitalization.

“They Understood Our Industry and Moved Fast”

“Working with Charles and the LVRG team was seamless,” said Mike R., Owner of Wolverine Construction Solutions. “They understood our industry and moved quickly to get us the financing we needed. Now we’re equipped to handle projects we couldn’t even bid on before.”

This kind of partnership is exactly what separates LVRG from the typical lender. We don’t just hand out capital — we help strong businesses grow with purpose, precision, and speed.

What Serious Business Owners Already Know About Capital

Too many business owners wait until they’re desperate to seek funding. They don’t plan. They don’t listen. They assume capital is something you look for when things fall apart.

The business owners we work with — the ones who are scaling, acquiring, expanding — understand that capital is a tool. And timing is everything.

They borrow when they’re healthy, not when they’re hemorrhaging.

They borrow to grow capacity, not to cover payroll.

They borrow to increase profitability, not just to survive another month.

This is why we’re shifting focus. We’re aligning LVRG with savvy, experienced, serious business owners who are building real companies — not just surviving in them.

Industries We Serve with Large-Ticket Equipment Financing

LVRG specializes in equipment financing from $500,000 to $100 million across multiple high-growth industries:

  • Construction – Excavators, bulldozers, cranes, pavers

  • Manufacturing – CNC machines, robotics, production lines

  • Medical – Imaging equipment, diagnostic systems, hospital-grade machinery

  • Agriculture – Tractors, harvesters, irrigation, processing equipment

  • Transportation & Logistics – Commercial trucks, fleet vehicles, trailers

  • Food Processing & Packaging – Industrial kitchen equipment, bottling lines, vacuum sealers

  • Material Handling – Forklifts, conveyor systems, warehousing infrastructure

If your business is expanding, upgrading, or preparing for larger contracts — we’ll get you capitalized fast and properly.

Why Grand Rapids and Why Now?

Michigan’s construction and infrastructure sectors are heating up. In cities like Grand Rapids, Kalamazoo, and Lansing, demand for commercial site development, industrial facilities, and municipal projects is rising.

Smart companies are positioning themselves to take advantage of this momentum — but only those who are well-capitalized will move fast enough to win the next round of contracts.

Don’t wait until you “need” the money. The companies who move early will be the ones who grow.

Thinking About Expanding? Let’s Talk.

If you’re leading a successful company and looking to expand operations, upgrade equipment, or win larger projects, we’re here to support your next move.

We understand construction. We understand scale. And we’ve got the lender network to move quickly when opportunity strikes.

Charles M. Barr
☎️ (855) 998-LVRG
📧 cbarr@lvrgllc.com
🌐 LVRGFUNDING.com
Metro Detroit Based | Funding Businesses Nationwide
💼 From $250,000 to $100+ Million in Equipment Financing
Your partner in serious business growth.