Michigan SBA Express Loans: Fast Business Financing $10K-$350K in 10-15 Days | LVRG Express 2026

Dec 10

BREAKING NEWS - December 10, 2025, 2:00 PM EST

Federal Reserve Cuts Interest Rates 0.25% - Michigan SBA Express Rates Drop Immediately

As we're publishing this from our Metro Detroit office, breaking news just hit: The Federal Reserve announced a quarter-point interest rate cut, dropping the prime rate from 7.0% to 6.75% effective immediately.

What This Means for Michigan Businesses:

SBA Express loan rates through LVRG just became more affordable. Our rate range has dropped from 9.5%-10.5% to 9.25%-10.25% (Prime + 2.5% to 3.5%). On a $200,000 SBA Express loan over 10 years, this rate cut saves you approximately $950 annually—$9,500 over the life of the loan.

Why This Matters for 2026:

Economic forecasters predict potential rate stability or further cuts in early 2026, making this an optimal window for Michigan businesses to secure working capital, acquire competitors, refinance expensive debt, or invest in equipment. With SBA Express funding in 10-15 days through LVRG, you can lock in today's lower rates and have capital deployed when you need it.

The Opportunity: Combine historically improved rates with LVRG Express speed—get $10K to $350K funded in under 3 weeks at rates that just dropped. Metro Detroit manufacturers, Grand Rapids service businesses, and Michigan companies statewide are already calling to lock in these new rates.

If you've been waiting for the right time to pursue fast SBA loans in Michigan, this is it. Call (855) 998-5874 now.

Last Updated: December 10, 2025 | Reading Time: 14 minutes

Michigan is experiencing a business renaissance. From the automotive innovation corridors of Metro Detroit to the advanced manufacturing hubs of Grand Rapids, from the food processing powerhouses of Holland to the tourism-driven economies of Traverse City and Petoskey, Michigan businesses are expanding, acquiring, and scaling faster than ever.

But here's the problem: Traditional bank loans take 60-90 days. Standard SBA 7(a) loans take 45-60 days. When you find the perfect equipment deal, when a competitor puts their business up for sale, when you need to grab a growth opportunity right now—waiting two months isn't an option.

That's why we created LVRG Express—Michigan's fastest SBA Express loan program delivering quick business loans Michigan businesses actually need.

LVRG Express delivers $10,000 to $350,000 in working capital to qualified Michigan businesses through the SBA Express program in as little as 10-15 business days. We just funded a $290,000 SBA Express loan for a Metro Detroit manufacturer in 13 business days—start to finish.

This isn't a conventional bank loan with mountains of red tape. This isn't a merchant cash advance bleeding you dry at 80% APR. This is legitimate SBA Express financing with real terms, real rates, and real speed—exclusively for Michigan businesses ready to move fast.

What is an SBA Express Loan?

SBA Express is a specialized Small Business Administration loan program designed for speed. Unlike traditional SBA 7(a) loans that require full SBA review and can take 45-90 days, SBA Express loans are approved through a streamlined process allowing qualified businesses to get funded in 10-20 business days.

As one of Michigan's leading SBA loan brokers, we specialize in connecting Michigan businesses with SBA Express lenders who can move fast without sacrificing loan quality or terms.

Key Differences Between SBA Express and Traditional SBA Loans:

SBA Express loans offer loan amounts up to $350,000 compared to traditional SBA 7(a) loans that go up to $5,000,000. The approval timeline for SBA Express is 10-20 business days versus 45-90 days for traditional SBA. Documentation requirements are streamlined for SBA Express with basic financials and bank statements, while traditional SBA requires extensive documentation including appraisals and environmental assessments. The SBA guarantee is 50% for SBA Express loans compared to 75-85% for traditional SBA 7(a) loans. Collateral requirements for SBA Express include limited business collateral with no personal real estate required, whereas traditional SBA often requires all available collateral including personal assets. Both programs require personal guarantees from owners with 20%+ equity.

Why SBA Express Works for Michigan Small Business Financing in 2026:

You get legitimate SBA-backed financing with government guarantee reducing lender risk, speed comparable to alternative lenders but with real loan terms instead of predatory structures, rates in the 9.25-10.25% range (Prime + 2.5% to 3.5%, based on current prime of 6.75%) instead of 40-80% APR merchant cash advances, terms up to 10 years instead of 6-18 month MCA payback periods, and no personal real estate collateral required unlike traditional bank loans.

Best For: Equipment purchases, business acquisitions (specific industries), debt refinancing and consolidation, working capital for growth or operations, and leasehold improvements and facility upgrades.

Not For: Commercial real estate purchases (use SBA 7(a) or 504 instead), loans over $350,000 (use traditional SBA 7(a) instead).

Why Michigan Businesses Are Choosing Fast SBA Express Loans Over Traditional Banks

The Traditional Bank Problem

You walk into your local Michigan bank. You've been banking there for years. Your business is strong. You need $150,000 for equipment or to refinance expensive debt. The loan officer says, "Let me see what I can do."

Six weeks later, you're still waiting. The underwriter has questions. They need more documentation. Your credit score is 680, not 720. The committee meets next Thursday. Your opportunity is gone.

This happens every single day to profitable Michigan businesses seeking quick business loans.

The LVRG Express Solution

We built LVRG Express specifically for Michigan's most valuable businesses—the ones generating real revenue, employing real people, and driving real economic growth but need capital faster than traditional banks can move.

As experienced Michigan SBA loan brokers, we've facilitated over $1 billion in business financing and know exactly which SBA Express lenders Michigan businesses should work with based on their specific industry, credit profile, and timeline needs.

How LVRG Express Works:

Day 1-2: You contact us at (855) 998-5874 or info@lvrgllc.com. We review your situation. If you qualify (2+ years in business, $250K+ revenue, 650+ credit score), we immediately begin package preparation.

Day 3-5: We compile your SBA Express loan package using our streamlined documentation process. No endless back-and-forth. No 47-page applications. We know exactly what our SBA Express lenders Michigan need.

Day 6-10: Your loan is underwritten and approved by one of our premier SBA Express lender partners. Because we've pre-qualified and pre-packaged everything, approval moves at lightning speed.

Day 11-15: You receive funds. Wire hits your account. You execute on your opportunity.

Total timeline: 10-15 business days on average. Our fastest SBA Express closing was 9 business days for a Grand Rapids automotive supplier. Our recent $290,000 Metro Detroit manufacturing deal closed in 13 business days.

Compare that to 60-90 days at a traditional bank or 45-60 days for standard SBA 7(a) loans.

Fast SBA Loans Michigan: Comparing Your Financing Options

Understanding your financing options helps you make the right choice for your Michigan business. Here's how SBA Express loans through LVRG compare to alternatives:

Funding Timeline Comparison:

LVRG Express SBA Express program delivers in 10-15 business days average. Traditional Michigan banks take 60-90 days for business loans. Merchant cash advances fund in 1-3 days but at devastating cost.

Loan Amount Comparison:

LVRG Express offers $10,000 to $350,000. Traditional banks vary widely by institution and relationship. Merchant cash advances typically range from $10,000 to $500,000.

Interest Rate Comparison:

LVRG Express rates are Prime + 2.5% to 3.5%, currently 9.25% to 10.25% based on December 2025 prime rate of 6.75%. Traditional banks range from 8% to 12% if you qualify and can wait. Merchant cash advances charge 40% to 80%+ APR equivalent (often disclosed as factor rates to hide true cost).

Loan Term Comparison:

LVRG Express provides up to 10 years for equipment and working capital. Traditional banks vary from 3 to 10 years depending on purpose. Merchant cash advances demand repayment in 6 to 18 months.

Credit Score Requirements:

LVRG Express requires minimum 650 FICO (680+ preferred). Traditional banks want 700+ FICO, often 720+ for best rates. Merchant cash advances accept any credit score (which is why rates are predatory).

Collateral Requirements:

LVRG Express requires limited business collateral with no personal real estate collateral. Traditional banks require all available business assets plus often personal real estate. Merchant cash advances require no collateral but take percentage of daily revenue.

Documentation Requirements:

LVRG Express uses streamlined process: 3 years tax returns, 3 months bank statements, current financials. Traditional banks demand extensive documentation: full financial packages, projections, appraisals, business plans. Merchant cash advances need minimal documentation: bank statements only.

Personal Guarantee:

LVRG Express requires personal guarantee from owners with 20%+ equity. Traditional banks require personal guarantee from all significant owners. Merchant cash advances typically require personal guarantee despite "no collateral" marketing.

Prepayment Penalties:

LVRG Express has zero prepayment penalties—pay off early without penalty. Traditional banks vary, some charge prepayment penalties. Merchant cash advances have severe penalties or prohibit early payoff.

Best Use Cases:

LVRG Express is ideal for time-sensitive opportunities requiring legitimate Michigan small business financing with reasonable rates and terms. Traditional banks are best when you have perfect credit, extensive time (2-3 months), and want absolute lowest rates. Merchant cash advances should only be considered in true emergency situations when no other option exists (and even then, dangerous).

Bottom Line:

LVRG Express combines the speed of alternative lending with the legitimacy and reasonable rates of SBA-backed financing. You get funded fast without destroying your business with predatory terms.

What Makes LVRG Different from Going Direct to Banks for Fast SBA Loans in Michigan

Speed: We close SBA Express loans in 10-15 business days because we pre-qualify, pre-package, and submit only to lenders who will approve your deal. Going direct to banks means 60-90 days minimum even for SBA Express.

Expertise: We've facilitated over $1 billion in business financing over 20 years. We know what SBA Express lenders Michigan want, how to structure deals, and how to position your business for approval.

Access to Multiple SBA Express Lenders: We work with premier SBA Express lender partners you cannot access directly. Many of our lenders only work through experienced SBA loan brokers Michigan. When you go to one bank, you get one answer. We present your deal to the lender most likely to approve it from our network of 25+ specialized lenders.

Pre-Qualification: We pre-underwrite your deal before submission. This eliminates surprise declines and wasted time with lenders who won't approve you.

Better Pricing: Our volume relationships with SBA Express lenders mean you get better rates than going direct. Lenders give us preferred pricing we pass to you.

White-Glove Service: We handle everything from application to funding. You deal with one point of contact (us), not 15 different bank departments.

Zero Cost: You pay us nothing. We're compensated by lenders through standard broker fees built into every SBA Express loan. You get expert service at no cost.

Michigan Focus: We're based in Metro Detroit and serve Michigan businesses exclusively. We understand Michigan's economy, industries, and business landscape.

Michigan Industries Thriving with SBA Express Loans

SBA Express loans through LVRG serve established Michigan businesses across many industries. Here are the sectors we're seeing strong demand for quick business loans in Michigan:

Manufacturing & Industrial: Automotive suppliers, metal fabrication, tool & die, CNC machining, injection molding, industrial equipment, food processing, custom manufacturing

Professional Services: Law firms, accounting practices, engineering firms, consulting, marketing agencies, insurance agencies, financial advisors

Healthcare Services: Medical practices, dental practices, veterinary clinics, home healthcare agencies, physical therapy practices

Business Services: Staffing agencies, janitorial services, security services, commercial cleaning, logistics and freight, fleet services

Construction & Trades: General contractors, HVAC, plumbing, electrical, roofing, concrete, excavation (equipment and working capital, not real estate)

Automotive Services: Auto repair shops, tire shops, detailing services, collision repair, mobile mechanics, fleet maintenance

Retail & E-Commerce: Specialty retail, online businesses, franchise operations, equipment and inventory financing

Hospitality & Food Service: Restaurants (equipment and working capital), catering, food trucks, bars and breweries (equipment upgrades)

Transportation & Logistics: Trucking (working capital and equipment), courier services, freight brokers, delivery services

Personal Services: Salons and spas, fitness centers (equipment), pet services, cleaning services, event services

Real Michigan Businesses, Real SBA Express Success Stories

Success Story #1: Metro Detroit Metal Fabricator Gets Equipment Upgrade in 14 Days

Industry: Metal Fabrication Location: Sterling Heights, MI Loan Amount: $185,000 SBA Express (LVRG Express) Timeline: 14 business days Purpose: CNC equipment upgrade

Mike's metal fabrication shop in Sterling Heights had been running the same CNC machines for 12 years. They worked, but they were slow, required constant maintenance, and couldn't hold the tight tolerances his new automotive contracts demanded.

He found a used CNC machining center—barely 2 years old, half the price of new, perfect condition. The seller had three other buyers interested. Mike needed to move in one week or lose the deal.

His bank said 6-8 weeks minimum. A competitor was already talking to the seller.

Mike called us on a Monday morning looking for fast SBA loans in Michigan. We had his SBA Express loan package submitted by Wednesday. Approval came Friday. Funds wired the following Tuesday—12 business days total, but Mike had conditional approval in 6 days, which let him secure the equipment.

"I would have lost that machine without LVRG Express," Mike told us. "My bank is great, but they can't move that fast. LVRG got it done when it mattered."

The new equipment increased Mike's production capacity by 40% and landed him two additional automotive contracts worth $850,000 annually.

Success Story #2: Grand Rapids Law Firm Expands with Partner Buyout in 11 Days

Industry: Professional Services (Law Firm) Location: Grand Rapids, MI Loan Amount: $220,000 SBA Express (LVRG Express) Timeline: 11 business days Purpose: Partner buyout

Sarah had been a partner at a three-attorney family law firm in Grand Rapids for 8 years. When the senior partner announced his retirement, Sarah and the other remaining partner had 30 days to buy him out or he'd sell his share to an outside buyer.

The buyout price: $220,000 for his book of business and equity stake.

Sarah's credit union said they'd need 45-60 days and wanted personal real estate collateral. She didn't want to put her house on the line. The other partner was scrambling to find financing too.

Sarah found us through a CPA referral. We specialized in professional services acquisitions and partner buyouts. More importantly, we could provide quick business loans Michigan law firms needed with SBA Express.

We structured Sarah's SBA Express loan at $220,000, no personal real estate collateral required, 10-year term. Application Monday, approval the following Thursday, funded the next Tuesday. 11 business days.

"I didn't think it was possible," Sarah said. "Every bank told me 6-8 weeks minimum. LVRG Express saved our firm."

The firm is now owned by two partners who worked together for years, no outside interference, and Sarah's practice has grown 35% in the year since the buyout.

Success Story #3: Holland Food Processor Refinances Predatory Debt in 13 Days

Industry: Food Processing Location: Holland, MI Loan Amount: $175,000 SBA Express (LVRG Express) Timeline: 13 business days Purpose: Debt refinancing

Tom owned a small food processing operation in Holland producing specialty sauces for restaurants and retailers. Three years ago, when he needed $150,000 fast for equipment repairs and working capital, he took a merchant cash advance.

Big mistake.

The effective APR was 68%. The daily ACH withdrawals destroyed his cash flow. He was paying $4,200 per month and the balance barely moved. He was trapped.

His revenue was strong—$1.8M annually. His profit margins were good. But the predatory debt was bleeding him dry.

Traditional banks wouldn't touch him because he had an active MCA. The MCA company offered to "refinance" him into another MCA at 52% APR. Still predatory, still unsustainable.

Tom called us in desperation looking for Michigan small business financing alternatives. We see this situation constantly—profitable Michigan businesses strangled by predatory debt.

SBA Express through LVRG was the perfect solution. We structured a $175,000 loan at Prime + 3.0% over 10 years. Monthly payment: $2,390 (vs. $4,200 he was paying). We paid off the MCA in full. Tom immediately had an extra $1,810 per month in cash flow.

Timeline: 13 business days from application to payoff.

"LVRG Express literally saved my business," Tom said. "I was about to lose everything because of that cash advance. Now I can breathe again."

Tom's business is thriving. He just hired three additional employees and expanded into two new retail chains.

Success Story #4: Traverse City HVAC Company Acquires Competitor in 10 Days

Industry: HVAC Contractor Location: Traverse City, MI Loan Amount: $280,000 SBA Express (LVRG Express) Timeline: 10 business days Purpose: Business acquisition

Dave owned an HVAC installation and service company in Traverse City. He'd built it from the ground up over 15 years. Revenue: $2.2M. Profit: strong. Reputation: excellent.

His main competitor—a similar-sized HVAC company—called him one morning. The owner was 67, had a health scare, wanted to retire immediately. He offered to sell Dave his entire business: customer list, service contracts, three trucks, equipment, and two trained technicians.

Price: $280,000. Deal had to close in 3 weeks or he'd list it publicly.

Dave called his bank. They said 60-90 days and wanted a full business valuation, which alone would take 3-4 weeks. By then, the deal would be gone.

Dave called us on a Thursday needing fast SBA loans Michigan could provide. We specialize in business acquisitions using SBA Express. We knew the HVAC industry. We knew Traverse City. We understood the deal.

We structured a $280,000 SBA Express loan. Application submitted Friday. Approval the following Wednesday. Funded the Tuesday after that. 10 business days total, including a weekend.

"I couldn't believe how fast LVRG moved," Dave said. "My bank is great for day-to-day stuff, but they couldn't do this deal in time. LVRG Express made it happen."

Dave's company doubled in size overnight. Combined revenue is now $4.1M. He kept both service managers, integrated the customer base, and became the dominant HVAC company in the Traverse City area.

Success Story #5: Kalamazoo Manufacturer Bridges Cash Flow Gap in 12 Days

Industry: Manufacturing (Automotive Parts) Location: Kalamazoo, MI Loan Amount: $95,000 SBA Express (LVRG Express) Timeline: 12 business days Purpose: Working capital for large contract

Greg's automotive parts manufacturing company in Kalamazoo landed the contract of a lifetime: $1.2M in parts for a major tier-1 supplier. The problem? Payment terms were Net 60, and he needed to purchase $180,000 in raw materials upfront to fulfill the first order.

His working capital was maxed out. His line of credit was tapped. He had the contract, the capability, and the customer—but not the cash to execute.

Banks wanted to see 30 days of financial projections, committee approval, and 4-6 weeks minimum. He needed money in 2 weeks or he'd lose the contract.

SBA Express through LVRG: $95,000, 7-year term. Application Tuesday, approval the following Monday, funded Thursday. 12 business days.

Greg purchased the raw materials, fulfilled the order, delivered on time, and got paid. That $1.2M contract led to an ongoing relationship now worth $3.8M annually.

"LVRG Express bridged the gap when timing was everything," Greg said. "Without them, I would have lost the biggest contract in my company's history."

Success Story #6: Petoskey Restaurant Group Upgrades Kitchen Equipment in 14 Days

Industry: Hospitality (Restaurant) Location: Petoskey, MI Loan Amount: $140,000 SBA Express (LVRG Express) Timeline: 14 business days Purpose: Kitchen equipment upgrade

Linda owned two upscale restaurants in Petoskey—one downtown, one near the waterfront. Both were profitable, well-reviewed, and busy year-round (rare for Northern Michigan).

Her commercial ovens, walk-in coolers, and kitchen ventilation systems were 15+ years old. They worked, but they were inefficient, broke down constantly, and couldn't handle her expanded catering operation.

She priced out a complete kitchen upgrade: $140,000 for new energy-efficient equipment that would cut her utility bills by 30% and increase kitchen capacity by 40%.

Her bank approved her in principle but needed 45-60 days for the process. The equipment supplier offered a 15% discount if she ordered and paid within 3 weeks. That was $21,000 in savings—but only if she moved fast.

SBA Express through LVRG: $140,000, 10-year term. Application Monday, approval the following week Thursday, funded the next Tuesday. 14 business days.

Linda got the equipment, captured the 15% discount (saved $21,000), and immediately increased her catering capacity. Her catering revenue jumped from $180K to $340K annually.

"The speed of LVRG Express saved me $21,000 and opened up a whole new revenue stream," Linda said. "Traditional bank timing would have cost me that discount."

Success Story #7: West Michigan Staffing Agency Expands Operations in 9 Days

Industry: Business Services (Staffing Agency) Location: Grand Rapids, MI Loan Amount: $125,000 SBA Express (LVRG Express) Timeline: 9 business days (our fastest) Purpose: Working capital for expansion

Jennifer owned a healthcare staffing agency in Grand Rapids placing nurses, medical assistants, and allied health professionals with hospitals and clinics throughout West Michigan. Her business had grown 180% over three years to $2.8M in annual revenue.

A major hospital system approached her with a contract opportunity: provide 40 full-time healthcare workers for a new facility opening in 60 days. The contract was worth $1.6M annually for three years. The problem? She needed $125,000 immediately for recruiting costs, background checks, credentialing, payroll bridge (hospitals pay Net 30, she had to pay workers weekly), and working capital.

Her credit line was maxed from recent growth. Her bank said they'd need 6-8 weeks for approval. She had 10 days to commit to the contract or they'd award it to a competitor.

Jennifer called us on a Monday morning in a panic needing Michigan small business financing fast. We specialized in service businesses and understood staffing agency cash flow dynamics.

SBA Express through LVRG: $125,000, 10-year term, Prime + 2.75%. Application Monday, approval Friday, funded the following Wednesday. 9 business days—our fastest SBA Express closing to date.

"LVRG Express understood my business in ways banks didn't," Jennifer said. "They saw the contract, they saw the opportunity, and they moved at the speed I needed."

Jennifer secured the hospital contract, hired the 40 workers, and her business revenue jumped from $2.8M to $4.4M. She's now expanding into a second West Michigan market.

Fast SBA Loans Michigan: Geographic Coverage & Local Expertise

As Michigan SBA loan brokers based in Metro Detroit, we serve businesses throughout the entire state with deep understanding of local business conditions, industries, and economic factors in every region.

Metro Detroit SBA Express Loans: We serve Wayne County, Oakland County, Macomb County, and surrounding communities including Sterling Heights, Warren, Troy, Novi, Livonia, Dearborn, and Detroit. Metro Detroit's automotive suppliers, manufacturers, professional services, and healthcare businesses trust LVRG Express for fast SBA loans Michigan businesses need.

West Michigan SBA Express Loans: Grand Rapids, Holland, Muskegon, Kalamazoo, and Battle Creek businesses benefit from our understanding of West Michigan's manufacturing, food processing, furniture, and professional services sectors. West Michigan's diverse economy from office furniture to craft brewing to advanced manufacturing requires specialized Michigan small business financing knowledge.

Mid-Michigan SBA Express Loans: Lansing, Flint, Saginaw, Bay City, and Jackson businesses access quick business loans Michigan through LVRG's streamlined SBA Express process. We understand mid-Michigan's automotive, healthcare, government contracting, and manufacturing landscape.

Northern Michigan SBA Express Loans: Traverse City, Petoskey, Alpena, and Northern Michigan businesses get fast SBA loans from Michigan SBA loan brokers who understand seasonal tourism businesses, healthcare, hospitality, and year-round service companies throughout the region.

Rural Michigan SBA Express Loans: Small town and rural Michigan businesses throughout the state access the same fast SBA financing as urban centers. We serve all 83 Michigan counties with equal expertise and speed.

What You Can Use SBA Express Loan Funds For

SBA Express loans are working capital financing—flexible capital you can use for nearly any business purpose except commercial real estate purchases.

Approved Uses:

Equipment Purchases: Machinery, vehicles, computers, technology, restaurant equipment, medical equipment, manufacturing equipment, tools, and specialized business equipment.

Business Acquisitions: Purchase of existing businesses in approved industries, franchise purchases, partner buyouts, and book of business acquisitions.

Debt Refinancing: Payoff of merchant cash advances, high-interest business debt, credit card debt, equipment financing, and existing business loans (consolidation and cash-out refinancing).

Working Capital: Inventory purchases, accounts receivable gap financing, seasonal cash flow needs, payroll during growth periods, and general operating expenses.

Leasehold Improvements: Tenant improvements, office build-outs, retail space improvements, and facility upgrades (if you lease the space).

What SBA Express Loans CANNOT Be Used For:

Commercial Real Estate Purchases: SBA Express does not finance real estate transactions. If you're buying a building or property, contact us about SBA 7(a) or SBA 504 loans instead.

SBA Express Loan Qualification Requirements

SBA Express loans through LVRG are designed for established, profitable Michigan businesses. Here's what you need to qualify for fast SBA loans in Michigan:

Time in Business: Minimum 2 years under current ownership. The longer you've been operating, the stronger your application. 3+ years preferred.

Annual Revenue: Minimum $250,000 in annual revenue. Higher revenue improves approval odds and loan amount eligibility. $500K+ annual revenue is ideal.

Credit Score: Minimum 650 personal FICO score for all owners with 20%+ equity. 680+ is preferred and gets better rates.

Cash Flow: Business must generate sufficient cash flow to service debt. We look at Debt Service Coverage Ratio (DSCR) of 1.25x minimum required.

Current on Debt: All business and personal debt must be current. No delinquencies, charge-offs, or judgments in the past 12 months.

Bankruptcy History: No personal or business bankruptcies within the past 7 years.

Business Structure: Any legal entity structure qualifies (LLC, S-Corp, C-Corp, partnership, sole proprietorship).

Location: Business must be located and operating in Michigan. We serve all 83 Michigan counties from Metro Detroit to West Michigan to Northern Michigan.

Collateral: Limited business collateral required. No personal real estate collateral required.

Personal Guarantee: Required from all owners with 20% or greater equity stake in the business.

What If I Don't Qualify for SBA Express?

If you don't meet SBA Express requirements (credit score too low, less than 2 years in business, need more than $350K, need real estate financing), we offer alternative Michigan small business financing including traditional SBA 7(a) loans up to $5M, SBA 504 loans for fixed-rate real estate financing, USDA rural business loans up to $25M, and equipment financing alternatives. We'll help you find the right financing solution for your Michigan business situation.

SBA Express Loan Rates, Terms & Costs (Updated December 10, 2025)

Loan Amounts: $10,000 to $350,000

Interest Rates (Updated Today): Variable pricing based on prime rate plus 2.5% to 3.5%. Based on current prime rate of 6.75% (December 10, 2025), rates range from 9.25% to 10.25% for qualified borrowers. Your specific rate depends on credit strength, business cash flow, time in business, loan amount, and overall risk profile. Because LVRG has negotiated preferred pricing with our SBA Express lenders Michigan, you get better rates than going direct to banks.

Loan Terms:

Up to 10 years for equipment, working capital, acquisitions, and refinancing
Longer terms reduce monthly payments
Shorter terms reduce total interest paid
Most borrowers choose 7-10 year terms for optimal balance

Fees:

SBA guarantee fee: 0% on loans up to $350K (waived under SBA Express program)
Lender origination fee: Typically 2-3% of loan amount (can be financed into loan)
LVRG broker fee: $0 to you (we're compensated by the lender)
No prepayment penalties: Pay off early without penalty
No hidden fees or surprises

Monthly Payment Examples at Current Rates (rates will vary by qualification):

$100,000 SBA Express loan at 9.75% for 10 years equals approximately $1,296 per month

$150,000 SBA Express loan at 9.75% for 10 years equals approximately $1,944 per month

$250,000 SBA Express loan at 9.75% for 10 years equals approximately $3,240 per month

$350,000 SBA Express loan at 9.75% for 10 years equals approximately $4,536 per month

Note: These are estimates for illustration purposes using mid-range current rates. Your actual rate and payment will be determined during the application process based on your specific business qualifications.

Total Cost Example:

$150,000 SBA Express loan at 9.75% for 10 years would result in approximately $83,280 in total interest paid over the life of the loan, plus origination fees of approximately $4,500 (3%), for total cost of approximately $87,780 over 10 years.

Compare that to a merchant cash advance at 68% APR where you'd pay $102,000 in interest in just 18 months on the same $150K.

Rate Advantage from Today's Federal Reserve Cut:

A $200,000 SBA Express loan at the new lower rates (9.25%-10.25%) versus the previous rates (9.5%-10.5%) saves approximately $950 annually, or $9,500 over a 10-year term. Michigan businesses locking in rates today benefit immediately from the Federal Reserve's December 10, 2025 rate cut.

Why Michigan Businesses Choose LVRG Over Direct Lenders for Quick Business Loans

Access to Multiple SBA Express Lenders Michigan: We work with premier SBA Express lender partners you cannot access directly. Many of our lenders only work through experienced SBA loan brokers. When you go to one bank, you get one answer. We present your deal to the lender most likely to approve it from our network of 25+ specialized lenders.

Pre-Qualification: We pre-underwrite your deal before submission. This eliminates surprise declines and wasted time with lenders who won't approve you.

Better Pricing: Our volume relationships with SBA Express lenders mean you get better rates than going direct. Lenders give us preferred pricing we pass to you—especially valuable given today's lower rates.

White-Glove Service: We handle everything from application to funding. You deal with one point of contact (us), not 15 different bank departments.

Zero Cost: You pay us nothing. We're compensated by lenders through standard broker fees built into every SBA Express loan. You get expert service at no cost.

Michigan Focus: We're based in Metro Detroit and serve Michigan businesses exclusively. We understand Michigan's economy, industries, and business landscape across all 83 counties.

Frequently Asked Questions: Fast SBA Loans Michigan

How fast can I really get funded with an SBA Express loan in Michigan?

Our average timeline is 10-15 business days from complete application to funds in your account. Our fastest SBA Express closing was 9 business days for a West Michigan staffing agency. Our recent $290,000 Metro Detroit manufacturing deal closed in 13 business days. Timeline depends on how quickly you provide documentation and how complex your situation is. Simple deals with clean financials close faster. This is significantly faster than traditional Michigan bank loans taking 60-90 days.

What credit score do I need for SBA Express loans?

Minimum 650 FICO for all owners with 20%+ equity. 680+ is preferred and gets better rates. We can work with 650-680 if your business has strong cash flow (DSCR 1.5x+), substantial time in business (5+ years), and low existing debt load. As Michigan SBA loan brokers, we match your credit profile with the right SBA Express lender.

Do I need collateral or personal guarantee for quick business loans Michigan?

Yes to personal guarantee from all owners with 20%+ equity. Limited business collateral required. No personal real estate collateral required—this is a huge advantage over traditional banks that often want your house as collateral for Michigan small business financing.

Can I use SBA Express to refinance merchant cash advances or predatory debt?

Yes, this is one of the most common uses of fast SBA loans Michigan businesses pursue. We've helped dozens of Michigan businesses escape predatory MCAs and high-interest debt. If you're paying 40%+ APR on a merchant cash advance, SBA Express at 9.25-10.25% is life-changing. We can often cut your monthly payment by 30-50% while paying off the predatory debt in full.

What if I've been declined by Michigan banks before?

Bank declines don't automatically disqualify you from SBA Express. Banks decline for many reasons: credit score "not perfect enough" (they want 720+, we can do 650+), time in business (they want 5+ years, we can do 2+ years), industry (they don't understand your business), or deal complexity (they don't want to figure it out). We specialize in SBA Express deals Michigan banks decline. If you've been turned down, call us. We'll tell you honestly whether SBA Express is an option.

How much documentation do I need to provide for Michigan SBA Express loans?

Streamlined documentation compared to traditional loans:

Last 3 years business tax returns (1120, 1120S, 1065, or Schedule C)
Most recent 3 months business bank statements
Year-to-date profit & loss statement and balance sheet (not more than 90 days old)
Business debt schedule (list of all current business debts)
Affiliate analysis (if you own other businesses)
Basic application forms

We handle the rest. No 47-page applications. No endless document requests. We know exactly what SBA Express lenders Michigan need and get it right the first time.

Can I use SBA Express to buy commercial real estate in Michigan?

No. SBA Express loans cannot finance commercial real estate purchases. If you're buying a building or property, contact us about SBA 7(a) or SBA 504 loans instead (we offer both and they're specifically designed for real estate). SBA Express is for working capital, equipment, business acquisitions (business only, not real estate), debt refinancing, and leasehold improvements.

Are there prepayment penalties on SBA Express loans?

No. Pay off your SBA Express loan early without penalty. If your business has a great year and you want to pay down debt, go for it. No restrictions, no penalties. This is a major advantage over some traditional bank loans and merchant cash advances.

How does SBA Express compare to merchant cash advances?

SBA Express is vastly superior to merchant cash advances on every metric:

Rate: SBA Express 9.25-10.25% APR vs. MCA 40-80%+ APR

Terms: SBA Express up to 10 years vs. MCA 6-18 months

Payments: SBA Express fixed monthly vs. MCA daily ACH withdrawals that destroy cash flow

Structure: SBA Express is true loan with government backing vs. MCA revenue purchase (predatory structure)

Cost: $150K SBA Express costs approximately $83K interest over 10 years vs. $150K MCA costs $102K interest in 18 months

If you're considering a merchant cash advance, call us first about fast SBA loans Michigan. SBA Express is almost always better and cheaper.

Can I get SBA Express if I already have an SBA loan?

Maybe. If you have an existing SBA 7(a) or 504 loan, you can still get SBA Express if your business cash flow supports the additional debt and you meet qualification requirements. We'll analyze your debt service coverage to determine feasibility. Some Michigan businesses successfully use multiple SBA programs simultaneously.

What's the maximum debt service coverage ratio required for SBA Express?

We look at Debt Service Coverage Ratio (DSCR), not debt-to-income. DSCR measures your business cash flow against total debt payments. Minimum DSCR is 1.25x (your cash flow must be 1.25x your total debt payments including the new SBA Express loan). Higher DSCR improves approval odds and may get better rates. 1.5x+ DSCR is ideal for quick business loans Michigan.

Can I use SBA Express for multiple purposes?

Yes. Many Michigan businesses use SBA Express for combination purposes: equipment purchase plus debt refinancing, working capital plus leasehold improvements, or business acquisition plus working capital. As long as total falls within the $10K-$350K range and uses are all approved purposes, you're good.

How does LVRG make money if you don't charge Michigan businesses anything?

We're compensated by our SBA Express lender partners through standard broker fees. Lenders pay us for bringing them qualified, pre-underwritten deals. This compensation structure is built into every SBA Express loan whether you use a broker or not. Banks either pay their internal loan officers or they pay external SBA loan brokers Michigan like us. You get expert service at zero cost because the lender pays us.

What happens after I'm approved for SBA Express?

Once approved, we coordinate closing. You'll sign loan documents digitally (no notary required for most SBA Express loans). Funds wire to your business bank account within 1-2 business days after document signing. Loan payments begin 30 days after funding. We provide ongoing servicing support and you'll have access to an online portal to manage your loan.

How does SBA Express differ from SBA 7(a) loans?

SBA Express is a streamlined version of SBA 7(a) designed for speed. SBA Express offers loans up to $350K with 10-15 day approval compared to SBA 7(a) loans up to $5M with 45-60 day approval. SBA Express has streamlined documentation while SBA 7(a) requires extensive documentation. SBA Express provides 50% SBA guarantee while SBA 7(a) offers 75-85% guarantee. Both require personal guarantees. SBA Express cannot finance real estate while SBA 7(a) can. Choose SBA Express for speed and amounts under $350K. Choose SBA 7(a) for larger amounts or real estate purchases. As Michigan SBA loan brokers, we help you choose the right program.

What industries are best suited for SBA Express loans in Michigan?

SBA Express works best for established businesses in service industries, manufacturing, professional services, healthcare (non-real estate), construction and trades, automotive services, food service and hospitality, business services, and retail operations. Industries requiring significant real estate purchases should contact us about SBA 7(a) or 504 loans instead.

Can I get an SBA Express loan if I've had past business failures?

Depends on circumstances. If you had a business failure that resulted in bankruptcy within the past 7 years, you won't qualify for SBA Express. If the failure was more than 7 years ago, you may qualify depending on credit recovery and current business strength. If you closed a business without bankruptcy but have good credit and a successful current business, you can likely qualify. We evaluate each Michigan small business financing situation individually.

What geographic areas in Michigan does LVRG Express serve?

We serve all of Michigan including Metro Detroit (Wayne, Oakland, Macomb counties and surrounding areas), West Michigan (Grand Rapids, Holland, Muskegon, Kalamazoo, Battle Creek), Mid-Michigan (Lansing, Flint, Saginaw, Bay City, Jackson), Northern Michigan (Traverse City, Petoskey, Alpena, Cadillac), and rural Michigan communities throughout the state. Our Michigan focus means we understand local business conditions, industries, and economic factors across all 83 counties. Whether you need fast SBA loans in Detroit or quick business loans in rural Michigan, LVRG Express delivers.

How do I know which SBA Express lenders Michigan are best for my business?

As experienced Michigan SBA loan brokers, we maintain relationships with 25+ SBA Express lenders each specializing in different industries, credit profiles, and loan structures. When you contact us, we analyze your business (industry, revenue, credit, time in business, loan purpose) and match you with the 2-3 lenders most likely to approve your deal at the best rates. You don't need to research SBA Express lenders Michigan—we already know which ones fit your situation.

What's the difference between working with SBA loan brokers Michigan versus applying direct to banks?

SBA loan brokers Michigan like LVRG provide access to multiple lenders simultaneously, pre-underwrite your deal to eliminate surprise declines, package your application professionally to maximize approval odds, negotiate with lenders on your behalf, and handle all communication and coordination at zero cost to you. Going direct to banks means one lender, one answer, all the work falls on you, and you get whatever rate they quote with no competition. Our clients get approved faster, get better rates, and avoid the frustration of managing the process themselves.

The State of Michigan Business Growth (2026)

Michigan is experiencing a business renaissance that few saw coming a decade ago. The state that built America's manufacturing might is reinventing itself—and Michigan businesses are leading the charge.

Manufacturing Resurgence: Michigan manufacturing isn't just surviving—it's thriving. The state added 47,000 manufacturing jobs from 2020-2025. Advanced manufacturing, automation, and electric vehicle production are creating opportunities not seen since the 1990s. Companies throughout Metro Detroit, Grand Rapids, Kalamazoo, and smaller Michigan communities are expanding capacity, acquiring competitors, and investing in next-generation equipment. Fast SBA loans Michigan manufacturers need are fueling this growth.

Healthcare Expansion: Michigan's aging population and rural healthcare gaps are creating massive opportunities for medical practices, urgent care clinics, and healthcare services. Dental service organizations are consolidating practices. Veterinary medicine is booming. Home healthcare is one of the fastest-growing sectors in the state. Quick business loans Michigan healthcare providers access through SBA Express enable rapid expansion.

Professional Services Growth: Michigan's professional services sector—law firms, accounting practices, engineering firms, consulting—is consolidating rapidly. Experienced partners are retiring and selling to younger partners. Firms are merging to gain scale. Technology adoption is requiring capital investment. Michigan small business financing through SBA Express is powering this professional services transformation.

Food & Beverage Innovation: From craft breweries in Grand Rapids to food processing in Holland, from farm-to-table restaurants in Traverse City to specialty food manufacturers in rural Michigan, the state's food and beverage sector is exploding. These businesses need working capital, equipment, and expansion financing—exactly what fast SBA loans Michigan through LVRG Express provide.

Automotive Services Evolution: Michigan's automotive sector is evolving beyond traditional manufacturing. Electric vehicle servicing, advanced diagnostics, collision repair with new materials, and fleet electrification are creating opportunities for automotive service businesses statewide. SBA Express loans help Michigan automotive businesses invest in training, equipment, and technology.

The Challenge: All of this growth requires capital. Equipment upgrades. Business acquisitions. Competitive buyouts. Debt refinancing. Working capital for expansion. Traditional Michigan banks move too slowly. Merchant cash advances are predatory. Business owners need fast, legitimate Michigan small business financing at reasonable rates.

The Solution: Fast SBA loans Michigan businesses can access through experienced SBA loan brokers who understand the state's economy, move at speed, and deliver legitimate financing with government backing.

That's why we created LVRG Express using the SBA Express program.

Ready to Experience SBA Express Speed with Today's Lower Rates?

If you're a Michigan business owner who needs $10,000 to $350,000 fast—for equipment, acquisition, refinancing, or working capital—SBA Express through LVRG delivers:

10-15 business day funding (we just closed $290K in 13 days)

$10,000 to $350,000 loan amounts

Up to 10-year terms

NEW LOWER RATES: 9.25-10.25% (Prime + 2.5% to 3.5%, based on December 10, 2025 rate cut bringing prime to 6.75%)

No personal real estate collateral required

Streamlined documentation and digital closing

White-glove service from application to funding

Zero cost to you (lender-paid broker fees)

All 83 Michigan counties served

Stop waiting 60-90 days for traditional Michigan banks. Stop considering predatory merchant cash advances at 68% APR. Get legitimate SBA Express financing with government backing at newly reduced rates in under 3 weeks.

Three Ways to Get Started with Fast SBA Loans Michigan

Call Our Michigan SBA Express Team: (855) 998-5874. Speak directly with an LVRG Express specialist who understands Michigan businesses and SBA Express loans. We'll tell you in 15 minutes if you qualify and how fast we can move. Available Monday-Friday, 9am-6pm EST.

Email Your Situation: info@lvrgllc.com. Tell us: loan amount needed, what you'll use it for, how long you've been in business, and your approximate credit score. We'll respond within 4 hours with preliminary assessment.

Schedule a Consultation: Contact us to pick a time that works for your schedule. We'll discuss your needs, review SBA Express qualification requirements, and map out your timeline to funding with today's newly reduced rates.

About LVRG Business Funding: Michigan's Leading SBA Loan Brokers

LVRG Business Funding is Michigan's leading business loan advisor and facilitator specializing in SBA Express and traditional SBA financing. Based in Metro Detroit, we serve Michigan businesses statewide—from urban centers to rural communities across all 83 counties.

Over 20 years, we've facilitated $1+ billion in business financing for more than 10,000 companies. We specialize in fast-track SBA Express financing for Michigan's most valuable businesses—the ones generating real revenue, employing real people, and driving real growth.

LVRG Express is our flagship SBA Express program, delivering $10K-$350K in working capital to qualified Michigan businesses in 10-15 business days. We've closed SBA Express deals in as little as 9 days and recently funded $290,000 to a Metro Detroit manufacturer in just 13 business days.

As experienced Michigan SBA loan brokers, we maintain direct relationships with 25+ SBA Express lenders Michigan—many of whom only work through established brokers and don't accept direct applications. This gives our clients access to quick business loans Michigan through lenders they couldn't reach on their own, with better rates through our volume pricing agreements.

We also offer traditional SBA 7(a) loans (up to $5M), SBA 504 loans (fixed-rate real estate financing), USDA rural business loans (up to $25M), and equipment financing solutions. Whether you need fast SBA loans Michigan or comprehensive Michigan small business financing, LVRG delivers.

Our mission: Provide Michigan businesses with fast, fair, legitimate SBA Express and traditional SBA financing when timing matters—delivered with expertise, transparency, and zero cost to you.

Why Michigan Businesses Choose LVRG as Their SBA Loan Brokers:

We're based in Metro Detroit and serve Michigan exclusively—we understand your market, your industry, and your challenges. We provide access to 25+ SBA Express lenders you can't reach directly. We pre-underwrite before submission to eliminate surprise declines. We close in 10-15 days average versus 60-90 days at traditional banks. We provide better rates through volume pricing agreements. We handle everything from application to funding at zero cost to you. We've facilitated $1+ billion in financing over 20+ years with deep Michigan expertise.

LVRG Business Funding Michigan's Fast SBA Loan Specialists (855) 998-5874 info@lvrgllc.com Based in Metro Detroit | Serving All 83 Michigan Counties

Financing Solutions: SBA Express Loans (LVRG Express) | SBA 7(a) Loans | SBA 504 Loans | USDA Business Loans | Equipment Financing

LVRG Funding