Manufacturing Business Loans Michigan: Equipment Financing, Working Capital & Strategic Growth Capital
Michigan manufacturing drives billions in economic output. From automotive suppliers in Metro Detroit to food processors in West Michigan, precision manufacturers in Ann Arbor to industrial operations across Oakland County, Macomb County, and Wayne County—Michigan manufacturers compete in capital-intensive markets where equipment capacity, production speed, and operational efficiency determine market position.
Running a manufacturing operation in 2025 is more expensive than ever. Labor costs are up 30%+. Raw materials cost more. Energy and overhead have increased 40%. Just maintaining current production requires more capital than expansion used to cost. And yet—growth opportunities appear constantly. The automotive OEM contract that requires doubled capacity. The food processing opportunity that demands automated packaging lines. The metalworking bid that needs precision CNC equipment.
Growth costs money. Equipment costs money. Scale costs money.
At LVRG Business Funding, we've spent over 20 years financing Michigan manufacturers—deploying over $1 billion in equipment financing, working capital, and growth capital to companies across Metro Detroit, Grand Rapids, Kalamazoo, Saginaw, and throughout Michigan's industrial corridors.
We fund growth. We fund scale. We fund the equipment and capital that turn mid-sized manufacturers into market leaders.
If you're a Michigan manufacturer generating $50,000+ monthly and ready to scale production, expand capacity, or dominate your market—this is how you fund that growth.
Why Michigan Manufacturers Need More Capital Than Ever
The Economic Reality for Michigan Manufacturing in 2025
Operating Costs Have Exploded:
Skilled machinists, welders, operators: $75K-$120K annually
Energy costs up 35-40% for production facilities
Raw materials (steel, aluminum, plastics): 25-35% higher than 2020
Commercial insurance, workers comp: double what they were five years ago
Just running existing operations costs more than growth capital used to
Equipment Costs Are Higher—But ROI Is Stronger:
CNC machining center that cost $400K in 2020 now costs $550K—but increases precision output 5x
Automated production line that cost $2M now costs $3M—but reduces labor costs 50% and increases throughput 3x
Industrial robotics that cost $800K now cost $1.2M—but operate 24/7 with minimal supervision
Competition Is Fierce:
Well-capitalized manufacturers are winning major OEM contracts
Companies with modern equipment are taking market share from operations running 10-year-old machinery
Automation isn't optional anymore—it's survival
The gap between funded manufacturers and underfunded competitors grows daily
Michigan manufacturers don't just need capital to grow. They need capital to compete, modernize, and position for the contracts that define the next decade.
Michigan Manufacturing Financing Options: Strategic Comparison
Michigan manufacturers have five primary financing options, each serving different growth objectives and timelines. Understanding which capital source aligns with your specific growth strategy determines success.
Option 1: Cash Flow Financing & Working Capital Loans
Purpose: Immediate capital to capitalize on immediate opportunities
What It Funds:
Raw materials for major production runs
Inventory purchases before OEM contract payments arrive
Labor costs during rapid scaling periods
Accounts receivable gaps between production and payment
Quick-turn opportunities requiring immediate capital deployment
Funding Range: $25,000 to $1,500,000
Timeline: 3 to 7 days from application to capital deployment
Best For Michigan Manufacturers When:
Major contract requires $200K in aluminum stock purchased this week
Automotive supplier needs to cover payroll during 60-day payment cycles
Food processor can buy ingredients at 30% discount with immediate payment
Metal fabricator needs $150K in steel before production starts Monday
Michigan Coverage: Metro Detroit, Oakland County, Macomb County, Wayne County, Grand Rapids, Kalamazoo, Saginaw, statewide
Option 2: Revenue-Based Financing
Purpose: Flexible capital with repayment tied to production output and sales
What It Funds:
Seasonal inventory for food processors
Materials for variable production schedules
Working capital for manufacturers with fluctuating order volumes
Short-term capacity expansion
Funding Range: $25,000 to $500,000
Timeline: 24 to 72 hours
Repayment Structure: Percentage of daily or weekly revenue—scales with your sales performance
Best For Michigan Manufacturers When:
Food processor needs capital for peak production season
Manufacturer has variable order volume month-to-month
Quick capital needed without fixed monthly payment obligations
Revenue strong but inconsistent
Michigan Coverage: Manufacturing operations statewide with $50K+ monthly revenue
Option 3: Equipment Financing — LVRG's Specialty
Purpose: Fund major equipment that multiplies production capacity and competitive advantage
What It Funds: Michigan's most sophisticated equipment financing platform, combining direct lending capital with strategic partnerships to deliver $500,000 to $100,000,000+ for equipment that transforms manufacturing operations.
LVRG Equipment Financing Capabilities:
Direct Lending Power: Our own capital means 24-48 hour decisions on qualifying transactions. No third-party approvals. No committee delays. We approve and fund directly from our balance sheet.
Strategic Partnership Network: Beyond direct lending, we maintain exclusive relationships with the nation's premier equipment finance companies—delivering specialized structures, extended capacity, and creative solutions traditional lenders cannot provide.
Unlimited Financing Capacity: $500K for single assets to $100M+ for complete production line transformations. Our capacity scales to your requirements.
Funding Range: $500,000 to $100,000,000+
Timeline: 24-48 hours for direct lending decisions, 5-10 days for complex multi-million dollar transactions
Rates: 6% to 12% (equipment serves as collateral)
Terms: 24 to 84 months based on equipment type and useful life
Financing Structures:
Operating Leases: Maximum cash flow preservation, 100% deductible payments, off-balance-sheet treatment, technology refresh flexibility
Capital Leases: Build equity while financing, depreciation benefits, long-term asset control
Sale-Leaseback Solutions: Extract capital from existing equipment while maintaining operational control—creative valuations maximize cash extraction
Equipment Loans: Traditional ownership structures, immediate asset control, depreciation advantages
Michigan Manufacturing Equipment We Finance
CNC & Precision Manufacturing Equipment:
Machine Tool Centers:
Haas, Mazak, DMG Mori, Okuma CNC machining centers and turning centers
Doosan, Hyundai, Mori Seiki precision manufacturing systems
Multi-axis CNC machines, horizontal machining centers, vertical mills
Financing: $500K to $10M+ for complete machine shop transformations
Laser Cutting & Fabrication:
TRUMPF, Bystronic, Amada laser cutting systems
Cincinnati, Pacific, Accurpress press brakes and metal forming equipment
Automated sheet metal fabrication systems
Financing: $800K to $15M for integrated fabrication cells
Metal Forming & Stamping:
Progressive die stamping presses
Transfer press systems for automotive production
Servo press technology for precision forming
Financing: $1M to $25M+ for stamping operations
Industrial Manufacturing & Automation:
Robotics & Automation:
ABB, KUKA, Fanuc industrial robotics systems
Automated assembly lines and production cells
Material handling automation, conveyor systems
Pick-and-place, welding, painting, packaging robotics
Financing: $2M to $50M+ for complete automation projects
Plastics & Injection Molding:
Engel, Arburg, Milacron injection molding machines
Welex, Davis-Standard extrusion equipment
Blow molding, thermoforming systems
Financing: $600K to $20M for plastics production facilities
Welding & Fabrication:
Lincoln Electric, Miller welding systems
Robotic welding cells, automated MIG/TIG systems
Laser welding, spot welding automation
Financing: $400K to $8M for welding operations
Food Processing & Packaging Equipment:
Food Processing Lines:
Buhler, GEA, Tetra Pak processing systems
Meat processing, dairy processing, beverage production
Industrial cooking, baking, mixing equipment
Financing: $1M to $40M for complete food processing facilities
Packaging & Automation:
Krones, KHS packaging and bottling systems
Heat and Control, TNA automated packaging equipment
Filling, capping, labeling, palletizing systems
Financing: $800K to $25M+ for packaging automation
Cold Storage & Logistics:
Industrial refrigeration systems, blast freezers
Automated cold storage and retrieval systems
Temperature-controlled logistics equipment
Financing: $1M to $30M for cold chain infrastructure
Automotive Manufacturing Equipment:
Automotive Production Systems:
Assembly line equipment for tier 1 and tier 2 suppliers
Paint booths, powder coating systems
Quality inspection systems, metrology equipment
Testing and validation equipment
Financing: $2M to $100M+ for automotive production facilities
Specialized Automotive Equipment:
Injection molding for interior components
Stamping and forming for body panels and structural parts
Machining centers for powertrain components
Finishing and coating systems
Financing: Custom structures for Michigan's automotive supply chain
Equipment Financing Success Stories: Michigan Manufacturers
$18M Manufacturing Automation Project:
Multi-state manufacturer required complete production line upgrade including robotics, automated quality systems, and material handling. LVRG combined direct lending with strategic partner funding to deliver 100% financing with deferred payments aligned to production ramp-up timeline. Result: 4x production capacity, 50% labor cost reduction, $12M in new annual contracts.
$12M CNC Machining Center Expansion:
Precision manufacturer needed eight Mazak 5-axis machining centers to service automotive and aerospace clients. Structured as capital lease with Section 179 depreciation benefits and performance-based payment adjustments. Result: Entered aerospace market, doubled revenue within 18 months.
$25M Food Processing Facility:
Regional food processor required complete automated packaging line plus cold storage expansion. Combined equipment financing with real estate components, progress funding over 10-month installation. Result: Tripled production capacity, secured major retail contracts, became regional market leader.
$8M Metal Fabrication Equipment:
Job shop needed TRUMPF laser cutting systems plus automated material handling to compete for tier 1 automotive work. Operating lease structure with technology refresh options and seasonal payment flexibility. Result: Won three major OEM contracts, increased margins 35%.
Option 4: SBA 7(a) Loans for Manufacturing Growth
Purpose: Government-backed financing for business acquisitions, major equipment, real estate, and multi-purpose growth capital
Loan Amounts: $500,000 to $5,000,000
Timeline: 45 to 90 days
Best For Michigan Manufacturers When:
Acquiring a competitor to consolidate market share
Purchasing owner-occupied manufacturing facility
Financing major equipment plus working capital in single package
Need lowest possible rates with extended terms
Use Cases:
$2.5M to acquire competing metal fabricator and consolidate operations
$3M for facility purchase plus $1M in equipment and working capital
$4M for production equipment with 10-year term at SBA rates
Michigan SBA Manufacturing Financing:
LVRG facilitates SBA loans for manufacturers across Metro Detroit, Grand Rapids, Kalamazoo, Saginaw, and statewide. For detailed SBA information: SBALoansMichigan.com
Option 5: SBA 504 Loans for Manufacturing Real Estate & Major Equipment
Purpose: Long-term, fixed-rate financing for owner-occupied real estate and major fixed assets
Loan Amounts:
Standard: Up to $5,500,000
Manufacturing projects: Up to $16,500,000
Energy-efficient manufacturing: Up to $16,500,000
Timeline: 60 to 90 days
Best For Michigan Manufacturers When:
Purchasing or constructing manufacturing facility
Major equipment investments with 10+ year useful life
Want fixed rates for 20-25 years (no interest rate risk)
Qualify for manufacturing-specific higher loan limits
Use Cases:
$6M for 60,000 sq ft manufacturing facility purchase
$12M for new automated production facility construction
$8M for major production equipment with fixed 20-year financing
SBA 504 Advantages for Michigan Manufacturers:
Lowest down payment (10% for existing businesses)
Fixed rates (no rate risk over 20-25 years)
Longer terms than conventional loans
Manufacturing-specific higher limits up to $16.5M
Strategic Financing Decision Framework for Michigan Manufacturers
When to Use Working Capital (3-7 Days):
✓ Raw materials needed this week for major production run
✓ Bridge accounts receivable gap before OEM payment
✓ Inventory opportunity requiring immediate capital
✓ Short-term growth needs under $1.5M
When to Use Revenue-Based Financing (24-72 Hours):
✓ Seasonal production cycles
✓ Variable monthly order volumes
✓ Need flexible repayment tied to revenue
✓ Fast capital under $500K
When to Use Equipment Financing (5-14 Days):
✓ CNC machines, production lines, automation that multiply capacity
✓ Equipment purchases $500K to $100M+
✓ Want to preserve working capital
✓ Equipment ROI justifies financing cost
✓ Need 24-48 hour decisions (LVRG direct lending)
When to Use SBA 7(a) (45-90 Days):
✓ Business acquisition to consolidate market
✓ Owner-occupied facility purchase
✓ Multi-purpose package (equipment + working capital + real estate)
✓ Want lowest rates with government backing
When to Use SBA 504 (60-90 Days):
✓ Manufacturing facility purchase or construction
✓ Major equipment with 10+ year life
✓ Want fixed rates for 20-25 years
✓ Qualify for manufacturing limits up to $16.5M
Why Michigan Manufacturers Choose LVRG
Direct Lending + Strategic Partnerships = Unlimited Capacity
Direct Lending Power:
Our own capital means immediate 24-48 hour decisions on qualifying equipment transactions. No third-party approvals. No committee delays. We approve and fund directly.
Strategic Partnership Network:
Beyond our direct lending, we maintain exclusive relationships with the nation's premier equipment finance companies—delivering $500K to $100M+ capacity for Michigan's largest manufacturing equipment needs.
The Result:
Whether you need $750K for CNC machines or $50M for complete facility automation, we structure deals others cannot.
20+ Years Financing Michigan Manufacturing
We understand Michigan's manufacturing industries:
Automotive suppliers: Tier 1, tier 2, tier 3 production equipment
Precision manufacturing: CNC, machining, metal fabrication
Food processing: Processing lines, packaging automation, cold storage
Industrial production: Stamping, molding, casting, assembly
Specialized manufacturing: Aerospace components, medical devices, industrial equipment
Speed & Execution
Equipment financing decisions: 24-48 hours (direct deals)
Working capital: 3-7 days
Revenue-based: 24-72 hours
Complex multi-million equipment deals: 5-10 days
SBA loans: 45-90 days
No 90-day bank processes. Just capital deployed when manufacturing opportunities demand it.
Michigan Manufacturing Coverage
Metro Detroit & Tri-County Manufacturing Hub
Wayne County Manufacturing:
Detroit's industrial corridors, Dearborn's automotive suppliers, manufacturing operations throughout Michigan's largest county. We finance CNC equipment, production lines, automation systems, and working capital for Metro Detroit manufacturers.
Oakland County Manufacturing:
Troy, Southfield, Farmington Hills, Novi—precision manufacturing, automotive suppliers, advanced manufacturing operations. Equipment financing for the machinery that powers Oakland County's industrial economy.
Macomb County Manufacturing:
Sterling Heights, Warren, Clinton Township—Michigan's automotive heartland. We finance stamping equipment, assembly systems, machining centers, and the production equipment that serves major OEMs.
West Michigan Manufacturing
Grand Rapids & Kent County:
Furniture manufacturing, metal fabrication, food processing, industrial production. Equipment financing for West Michigan's diverse manufacturing base.
Holland, Muskegon & Ottawa County:
Automotive suppliers, agricultural equipment, food processing. Specialized equipment financing for lakeshore manufacturing operations.
Mid-Michigan Manufacturing
Lansing, Flint, Saginaw:
Automotive components, precision machining, industrial production. Equipment and working capital for Mid-Michigan's manufacturing corridor.
Southeast Michigan Manufacturing
Ann Arbor & Washtenaw County:
Advanced manufacturing, automotive technology, precision engineering. Equipment financing for innovation-driven manufacturing operations.
Statewide Michigan Manufacturing
Kalamazoo industrial production, Battle Creek food processing, Bay City manufacturing, Midland chemical and industrial, Traverse City specialized manufacturing, Upper Peninsula industrial operations—LVRG finances equipment and growth capital for manufacturers throughout Michigan.
Frequently Asked Questions: Michigan Manufacturing Financing
Q: How quickly can Michigan manufacturers access equipment financing?
A: LVRG direct lending provides 24-48 hour decisions on qualifying equipment transactions. Complex multi-million dollar deals typically receive approval within 5-10 business days.
Q: What's the minimum equipment financing amount?
A: LVRG specializes in $500,000 to $100,000,000+ equipment transactions. For working capital under $500K, we offer fast 3-7 day approvals.
Q: Can we finance 100% of equipment cost?
A: Yes. LVRG routinely structures 100% financing including soft costs, installation, and freight for qualified transactions.
Q: Do you finance used manufacturing equipment?
A: Yes, for equipment under 10 years old with verified condition and market value. New equipment receives preferential rates and terms.
Q: What credit profile is required for manufacturing equipment financing?
A: Minimum 680 credit score for equipment financing. 650+ for working capital. Strong revenue and equipment ROI can offset credit concerns.
Q: Can we combine equipment financing with working capital?
A: Absolutely. We structure combination packages—equipment financing for production assets plus working capital for materials, inventory, and operations.
Q: How does LVRG's direct lending differ from bank equipment loans?
A: Speed and structure. Our direct capital means 24-48 hour decisions vs. banks' 30-60 day processes. We structure creative deals banks cannot—sale-leasebacks, progress funding, seasonal adjustments, deferred payments.
Q: What industries does LVRG specialize in for equipment financing?
A: Automotive manufacturing, precision machining, metal fabrication, food processing, plastics/injection molding, industrial production, and specialized manufacturing operations across Michigan.
Q: Do you finance equipment for manufacturers outside Metro Detroit?
A: Yes. We finance manufacturing equipment statewide—Grand Rapids, Kalamazoo, Saginaw, Ann Arbor, and throughout Michigan's industrial regions.
Ready to Scale Your Michigan Manufacturing Operation?
Equipment limitations shouldn't constrain manufacturing growth. When the CNC machines that will quadruple precision capacity become available, when automation systems that reduce labor costs 50% hit the market, when production line upgrades that enable major OEM contracts are within reach—you need capital deployed FAST.
That's what LVRG does for Michigan manufacturers. We combine direct lending power with strategic partnerships to deliver $500K to $100M+ in equipment financing, working capital, and growth capital that transforms mid-sized manufacturers into market leaders.
Contact LVRG Manufacturing Finance Specialists
Headquarters: Downtown Detroit, Michigan
Service Area: Michigan manufacturing operations statewide
Financing Range: $25,000 to $100,000,000+
Apply Online: lvrgfunding.com/apply-now
Equipment Finance Direct: (855) 998-5874
Email: info@lvrgfunding.com
Modern capital for Michigan manufacturing growth. If you're ready to scale production, expand capacity, or dominate your market—let's talk.
About LVRG Business Funding
For over 20 years, LVRG Business Funding has served as Michigan's manufacturing finance authority—deploying over $1 billion in equipment financing, working capital, and growth capital to manufacturers across Metro Detroit, Oakland County, Macomb County, Wayne County, Kent County, and throughout Michigan's industrial corridors.
We combine direct lending capital with strategic partnerships to deliver equipment financing from $500,000 to $100,000,000+—enabling Michigan manufacturers to acquire the CNC machines, production lines, automation systems, and industrial equipment that multiply capacity and competitive advantage.
Our clients don't come to us to survive. They come to scale, modernize, automate, and dominate. We deploy capital with 24-48 hour decisions so Michigan's most ambitious manufacturers can capitalize on equipment opportunities the moment they appear.
If it has to do with manufacturing growth in Michigan, it has to do with LVRG.