Metro Detroit Business Acquisition Loans: Fast SBA Financing That Wins Deals in 6-8 Weeks
Metro Detroit Business Acquisition Loans: Fast SBA Financing That Wins Deals in 6-8 Weeks
Metro Detroit's business acquisition market is absolutely on fire right now. Quality businesses across Wayne County, Oakland County, and Macomb County are getting snatched up faster than ever before. From HVAC companies in Sterling Heights to auto repair shops in Dearborn, from manufacturing facilities in Warren to car washes in Troy - if you want to buy a business in Metro Detroit, you better be ready to move fast.
Here's the hard truth: The best deals go to buyers who can close fastest.
While your competition is stuck playing the traditional bank-shopping game - waiting weeks for responses from lenders who don't understand Metro Detroit's unique market - smart buyers are working with specialists who can get them funded in half the time.
At LVRG Business Funding, we've spent 20 years building relationships in Metro Detroit's business community. We know exactly which SBA lenders want acquisition deals in this market, and more importantly, we know how to get them approved before your competitors even hear back from their first bank.
Why Metro Detroit Business Acquisitions Require Local Expertise
This isn't some cookie-cutter financing situation. Metro Detroit has its own unique business ecosystem, and every industry here has specific dynamics that out-of-state lenders simply don't understand.
Industry-Specific Market Knowledge That Makes the Difference
Automotive & Manufacturing: A precision machining shop in Warren operates completely differently than one in Taylor. Our lenders understand the supply chain relationships, seasonal patterns, and growth trajectories that are specific to Metro Detroit's automotive ecosystem. They know why a shop with Ford supplier relationships is valued differently than one serving aftermarket customers.
HVAC & Skilled Trades: Metro Detroit's residential construction boom has created massive opportunities for heating companies, roofing contractors, and service businesses. But these companies have seasonal cash flows and expansion patterns that require specialized underwriting knowledge. Our lenders know the difference between a company serving Oakland County's luxury market versus one focused on Detroit's urban revitalization.
Auto Services & Car Washes: Location is everything in this business. An auto repair shop on Telegraph Road faces completely different traffic patterns and customer demographics than one in downtown Birmingham. A car wash in Novi serves a different market than one in Lincoln Park. Our lenders understand these nuances and value businesses accordingly.
Healthcare & Professional Services: Oakland County's affluent demographics create premium practice valuations that require lenders who understand local market dynamics. A dental practice in Birmingham commands different multiples than one in Pontiac, and our lenders know why.
SBA Business Acquisition Loan Programs That Work for Metro Detroit
SBA 7(a) Loans - Up to $5 Million
This is the workhorse of business acquisition financing, perfect for Metro Detroit's diverse business landscape:
Manufacturing & Distribution
Automotive suppliers and specialty manufacturers
Food processing and packaging companies
Logistics and warehousing operations
Custom fabrication and machining shops
Service & Skilled Trades
HVAC, plumbing, and electrical companies
Roofing, window, and door contractors
Landscaping and property maintenance services
Commercial and residential cleaning companies
Automotive Services
Auto repair and maintenance shops
Car washes and detailing services
Tire and parts retailers
Specialty automotive services
Key Terms:
Down Payment: Typically 10-15% of the acquisition price
Maximum Amount: $5 million
Repayment Terms: Up to 10 years for business assets, 25 years if real estate is included
Interest Rates: Currently Prime + 2.75% to 4.75% depending on loan size and term
SBA 504 Loans - Up to $5.5 Million
Perfect when Metro Detroit commercial real estate is part of the acquisition:
Owner-occupied commercial buildings
Industrial facilities and warehouses
Retail properties and medical buildings
Manufacturing facilities with equipment purchases
Key Benefits:
Down Payment: As low as 10% of total project cost
Fixed Rate Option: Available for the real estate portion
Long-Term Financing: Up to 25 years for real estate
The Speed Difference That Wins Deals: LVRG vs Traditional Banking
The Traditional Bank Shopping Nightmare (12-16 Weeks)
Here's what most buyers go through:
Apply to random banks, hoping they'll be interested in your deal
Wait 2-3 weeks just to get an initial response
Get hit with requests for endless additional documentation
Face rejection for reasons that don't make sense
Start the whole process over with the next bank
Repeat this cycle until you either give up or the seller walks away
Real Metro Detroit Success Stories
Manufacturing Acquisition - Oakland County
The Situation: A specialty parts manufacturer serving multiple industries needed $3.2 million in acquisition financing. The buyer had already been rejected by two traditional banks who didn't understand the company's diverse customer base.
Our Approach: We packaged the deal highlighting the company's Metro Detroit manufacturing expertise and the strength of having customers across automotive, aerospace, and industrial sectors.
The Result: We secured 85% financing and closed the deal in 6 weeks. The buyer is now expanding into additional product lines.
Healthcare Practice - Birmingham
The Situation: A buyer wanted to acquire a dental practice for $1.8 million but had already spent 4 months getting nowhere with traditional banks.
Our Approach: We presented detailed Oakland County demographic data showing the practice's position in one of Michigan's most affluent markets, along with practice performance metrics that proved sustainable cash flow.
The Result: Deal closed in 3 weeks with favorable terms. The buyer has since expanded to a second location.
Service Business - Macomb County
The Situation: A commercial cleaning company with contracts throughout Metro Detroit needed a $950K SBA loan, but the buyer had limited industry experience.
Our Approach: We emphasized the company's strong contract base with established Metro Detroit businesses and the buyer's management background that would transfer well to the cleaning industry.
The Result: 90% financing approved, and the deal closed successfully. The company has grown 40% since the acquisition.
Retail Operation - Wayne County
The Situation: Gas station and convenience store acquisition requiring a $2.1 million SBA 504 loan including real estate purchase.
Our Approach: We highlighted the location's advantages on a major Metro Detroit corridor and provided detailed traffic pattern analysis showing consistent customer flow.
The Result: Deal closed while a competing buyer was still waiting for their first bank to respond. The location is now one of the highest-performing stations in the area.
Metro Detroit Market Intelligence by County
Oakland County - Premium Opportunities
Troy: This is Metro Detroit's business hub. Service companies and professional practices here command premium valuations because of the established commercial base and affluent demographics.
Novi: One of the fastest-growing markets in Metro Detroit. Retail and service businesses here are benefiting from continued residential and commercial development.
Birmingham: Premium market that supports high-value acquisitions, especially in healthcare, professional services, and specialty retail.
Southfield: Major concentration of professional services creates ongoing acquisition opportunities as practices consolidate or transition ownership.
Farmington Hills: Diverse business mix with strong fundamentals - from manufacturing to services to retail operations.
Wayne County - Industrial Strength
Dearborn: Incredibly diverse business community with everything from advanced manufacturing to traditional service businesses. The proximity to Ford and the automotive supply chain creates unique opportunities.
Livonia: Established suburban market with solid retail and service acquisition opportunities. Stable demographics support consistent business performance.
Taylor: Strong industrial base with manufacturing acquisition opportunities, especially for businesses serving the automotive sector.
Westland: Growing concentration of service businesses as the area continues to develop.
Lincoln Park: Emerging market with value-oriented business opportunities for buyers looking to build equity.
Macomb County - Growth Market
Sterling Heights: Michigan's fourth-largest city provides a huge population base supporting service business acquisitions across multiple industries.
Warren: Established manufacturing and service business market with solid fundamentals and growth potential.
Clinton Township: Rapidly growing suburban market with opportunities across retail, service, and light manufacturing sectors.
Chesterfield Township: Emerging market with new business acquisition potential as development continues.
Industry Trends Creating Acquisition Opportunities
Skilled Trades Consolidation: Baby boomer business owners in HVAC, roofing, plumbing, and electrical contracting are selling to younger entrepreneurs who are using SBA financing to acquire established customer bases and grow through consolidation.
Auto Services Expansion: Metro Detroit's car culture isn't going anywhere. Auto repair shops, car washes, tire retailers, and specialty automotive services continue to see strong acquisition activity from buyers looking to build multi-location operations.
Healthcare Practice Transitions: Oakland County's demographics are driving premium valuations for medical and dental practices. We're seeing both individual practitioners and practice management companies making acquisitions.
Manufacturing Specialization: Companies are acquiring competitors to gain specialized capabilities, expand customer bases, or achieve operational efficiencies in Metro Detroit's evolving manufacturing landscape.
Service Business Scaling: Successful service business operators are acquiring additional locations or complementary services to build regional market presence.
What It Takes to Qualify for Metro Detroit SBA Acquisition Loans
Buyer Requirements
Industry Experience: Relevant background is preferred but not always required. We've successfully financed buyers transitioning into new industries with the right business plan and management approach.
Down Payment: You'll typically need 10-15% of the acquisition price as a down payment, though this can vary based on the specific deal structure.
Credit Profile: Strong personal credit and demonstrated financial capacity are essential. We're looking for buyers who can handle the financial responsibility of business ownership.
Management Commitment: SBA requires full-time involvement in the business. This isn't a passive investment opportunity.
Business Requirements
Positive Cash Flow: The business needs to demonstrate consistent profitability and clear growth potential under new ownership.
Market Position: An established customer base and competitive advantages that will continue under new management.
Clean Financial Records: Transparent financial reporting and clean books that can withstand underwriter scrutiny.
Growth Opportunity: A clear path for expansion or improvement that justifies the acquisition investment.
Frequently Asked Questions
How quickly can Metro Detroit business acquisition loans actually close?
With our pre-qualified lender network, we regularly close deals in 6-8 weeks. Compare that to 12-16 weeks for traditional bank shopping, and you can see why speed matters in competitive acquisition situations.
What down payment is required for business acquisitions?
SBA 7(a) loans typically require 10-15% down, while SBA 504 loans that include real estate may require as little as 10% total down payment. The exact amount depends on the deal structure and your qualifications.
Can I acquire a business outside my industry experience?
Absolutely. While industry experience helps with terms and approval speed, we've successfully financed buyers transitioning into new industries. The key is demonstrating transferable skills and developing a solid business plan.
What if the business I want has already been rejected by banks?
Bank rejections often result from poor presentation rather than fundamental deal problems. We've saved numerous deals after traditional bank rejections by properly packaging them with local market context that lenders understand.
What are current interest rates for SBA acquisition loans?
SBA 7(a) rates are typically Prime + 2.75% to 4.75%, while SBA 504 loans offer fixed rates around 6-7%. Exact rates depend on loan size, term, and your qualifications.
Do you work with first-time business buyers?
Yes, we specialize in helping first-time buyers navigate the entire SBA acquisition process, from deal evaluation through closing.
Why Metro Detroit Business Buyers Choose LVRG
20 Years of Local Market Expertise: We've been part of Metro Detroit's business community for two decades. We understand the markets, the industries, and the opportunities.
Industry Agnostic Approach: We fund acquisitions across all business types and sizes, from small service companies to multi-million-dollar manufacturing operations.
Speed Advantage: We close deals while competitors are still filling out applications. In competitive situations, this speed advantage often determines who gets the deal.
Lender Competition: Our network of 30+ pre-qualified SBA lenders compete for your business, which means better terms and faster decisions.
Professional Deal Packaging: We present your acquisition opportunity in the best possible light, with full market context that helps lenders understand the opportunity.
Relationship Leverage: Our established relationships with SBA lenders deliver faster decisions and more favorable terms than you'd get going direct.
Ready to Win Your Next Metro Detroit Business Acquisition?
In Metro Detroit's red-hot acquisition market, financing speed and certainty can make or break your deal. Don't let traditional bank shopping cost you the perfect opportunity.
The best Metro Detroit business acquisitions go to buyers who can move fastest with the right financing team.
Whether you're looking to acquire an HVAC company in Sterling Heights, an auto repair shop in Dearborn, a manufacturing facility in Warren, or any other business across Wayne, Oakland, and Macomb Counties, LVRG Business Funding provides the competitive advantage you need.
Call us today: (855) 998-5874
We've been helping Metro Detroit business buyers secure SBA acquisition loans for two decades. Let us show you what happens when financing becomes your competitive advantage instead of your biggest obstacle.
LVRG Business Funding serves business acquisition financing throughout Wayne County, Oakland County, and Macomb County - from Detroit's urban core to the northern suburbs and everywhere in between.
Michigan SBA Loans for Business Acquisition: Complete 2025 Guide
Michigan SBA Loans for Business Acquisition: Complete 2025 Guide
Last Updated: June 2025 | Expert SBA Financing Solutions Across Michigan
Table of Contents
SBA Loans for Buying a Business in Michigan
Michigan SBA Lenders and Loan Programs
Regional Business Acquisition Opportunities
Industry-Specific SBA Financing
SBA Loan Application Process
Frequently Asked Questions
SBA Loans for Buying a Business in Michigan
Michigan's business acquisition market is experiencing unprecedented growth as baby boomer business owners retire, creating exceptional opportunities for buyers with strategic SBA financing. Whether you're looking to buy a manufacturing business in Detroit, a healthcare practice in Grand Rapids, or a service company in Lansing, SBA loans offer the most competitive terms for business acquisitions in Michigan.
Why Choose SBA Loans for Michigan Business Acquisitions?
SBA 7(a) Loan Benefits:
Up to $5 million for business acquisitions
25-year repayment terms for maximum cash flow
Competitive interest rates (typically 2-4% above prime)
Minimal down payment requirements (as low as 10%)
Covers goodwill, working capital, and equipment
SBA 504 Loan Advantages:
Up to $5.5 million for real estate and equipment
Long-term fixed rates for 10-20 years
Perfect for manufacturing and retail acquisitions
Can be combined with 7(a) loans for optimal structure
Michigan SBA Loan Market Statistics
Average Business Sale Price: $1.8M (2024)
SBA Loan Approval Rate: 87% in Michigan
Average Closing Time: 30-45 days with experienced lenders
Top Industries: Manufacturing (32%), Healthcare (24%), Professional Services (18%)
Michigan SBA Lenders: Finding the Right Financing Partner
Not all SBA lenders understand Michigan's unique business landscape. Working with specialized Michigan SBA lenders who have deep market knowledge can mean the difference between loan approval and rejection.
What to Look for in Michigan SBA Lenders
Industry Expertise:
Manufacturing and automotive supply chain knowledge
Healthcare and professional services experience
Seasonal business understanding (tourism, agriculture)
Government contracting familiarity
Regional Knowledge:
Local market conditions and valuations
Michigan-specific compliance requirements
Regional economic development initiatives
Industry cluster awareness
Top SBA Loan Programs for Michigan Business Buyers
SBA 7(a) Loans Michigan
Best For: Service businesses, professional practices, retail operations
Loan Amount: Up to $5,000,000
Use of Funds: Goodwill, working capital, equipment, inventory
Terms: Up to 25 years for real estate, 10 years for equipment
SBA 504 Loans Michigan
Best For: Manufacturing facilities, restaurants with real estate, retail locations
Loan Amount: Up to $5,500,000
Structure: 50% conventional loan, 40% SBA debenture, 10% down payment
Terms: 10, 20, or 25-year fixed rates
SBA Express Loans Michigan
Best For: Smaller acquisitions under $500,000
Processing Time: 36 hours for SBA response
Loan Amount: Up to $500,000
Trade-off: Higher rates but faster approval
Regional Michigan Business Acquisition Opportunities
Southeast Michigan SBA Loans (Detroit Metro)
Primary Markets: Detroit, Ann Arbor, Livonia, Dearborn, Troy, Southfield, Novi, Sterling Heights, Warren
Key Industries:
Automotive suppliers and manufacturing
Healthcare and medical practices
Professional services and consulting
Technology and software companies
Average Deal Size: $2.1M Popular SBA Programs: 7(a) + 504 combinations for manufacturing acquisitions
Detroit SBA Business Acquisition Loans
Detroit's business market offers unique opportunities in urban manufacturing, healthcare services, and professional services. SBA lenders familiar with Detroit's economic development initiatives can structure deals that take advantage of local incentives.
Ann Arbor SBA Loans for Business Purchase
Ann Arbor's tech corridor and university influence create opportunities in professional services, healthcare, and technology businesses. Medical practices and consulting firms are particularly active in the acquisition market.
West Michigan SBA Loans (Grand Rapids Region)
Primary Markets: Grand Rapids, Kalamazoo, Battle Creek, Holland, Muskegon, Portage
Key Industries:
Manufacturing and industrial businesses
Healthcare systems and practices
Family-owned multi-generational businesses
Furniture and consumer goods manufacturing
Average Deal Size: $1.7M Popular SBA Programs: 504 loans for manufacturing with real estate
Grand Rapids SBA Business Acquisition Financing
Grand Rapids' diversified economy offers acquisition opportunities across manufacturing, healthcare, and professional services. The region's family-owned business culture creates succession opportunities for strategic buyers.
Central Michigan SBA Loans (Lansing/Flint Region)
Primary Markets: Lansing, Flint, Saginaw, Bay City, Jackson, Midland
Key Industries:
Government contracting and services
Healthcare and educational services
Manufacturing and automotive
Professional and business services
Average Deal Size: $1.4M Popular SBA Programs: 7(a) loans for service-based acquisitions
Northern Michigan SBA Loans (Traverse City Region)
Primary Markets: Traverse City, Petoskey, Cadillac, Alpena, Marquette
Key Industries:
Tourism and hospitality businesses
Seasonal recreational services
Manufacturing and food processing
Healthcare and professional services
Average Deal Size: $1.9M Popular SBA Programs: Seasonal cash flow specialty programs
Industry-Specific SBA Financing in Michigan
Manufacturing Business Acquisitions Michigan
Michigan's manufacturing sector offers exceptional acquisition opportunities, from automotive suppliers to specialty manufacturing operations.
SBA Financing Considerations:
Equipment valuation and depreciation schedules
Working capital requirements for inventory cycles
Environmental compliance and due diligence
Supplier relationship transition planning
Typical SBA Structure: 7(a) + 504 combination
7(a) covers goodwill, working capital, and equipment
504 covers real estate and major equipment purchases
Healthcare Practice Acquisitions Michigan
Medical, dental, veterinary, and specialty healthcare practices represent a significant portion of Michigan's business acquisition market.
SBA Financing Benefits:
Up to 90% financing for established practices
Goodwill financing for patient base and reputation
Equipment and technology upgrade funding
Working capital for transition period
Popular Programs: SBA 7(a) loans up to $5M
Service Business Acquisitions Michigan
Professional services, skilled trades, and B2B service companies offer recurring revenue models attractive to SBA lenders.
Common Service Business Types:
HVAC, plumbing, and electrical contractors
IT services and managed technology
Marketing and advertising agencies
Accounting and professional services
Cleaning and maintenance services
Restaurant and Hospitality Acquisitions Michigan
Michigan's tourism industry and local dining scene create opportunities for restaurant and hospitality acquisitions.
SBA Financing Considerations:
Seasonal cash flow analysis
Real estate vs. lease structures
Liquor license transfers
Equipment condition and replacement needs
Michigan SBA Loan Application Process
Step 1: Pre-Qualification and Business Search
Determine SBA loan eligibility
Establish financing capacity
Identify target businesses and industries
Prepare initial financial documentation
Step 2: Business Evaluation and Due Diligence
Financial analysis of target business
Market position and competitive analysis
Legal and regulatory compliance review
Valuation and deal structure optimization
Step 3: SBA Loan Application Preparation
Complete SBA Form 1919 (Borrower Information Form)
Prepare business plan and acquisition strategy
Compile financial statements and tax returns
Document management experience and qualifications
Step 4: Lender Selection and Submission
Match deal characteristics with appropriate SBA lenders
Submit to multiple lenders simultaneously
Negotiate terms and conditions
Secure pre-approval or term sheet
Step 5: Final Underwriting and Closing
Complete due diligence and appraisals
Finalize loan documentation
Coordinate with attorneys and accountants
Close on business acquisition
Required Documentation for Michigan SBA Loans
Personal Financial Information:
Personal financial statement (SBA Form 413)
Personal tax returns (3 years)
Personal credit report authorization
Resume and business experience summary
Business Acquisition Documentation:
Purchase agreement or letter of intent
Business financial statements (3 years)
Business tax returns (3 years)
Lease agreements and contracts
Business valuation or appraisal
Additional Requirements:
Environmental assessment (if applicable)
Franchise disclosure documents (if applicable)
Insurance certificates and binders
Legal entity formation documents
Frequently Asked Questions
What types of businesses qualify for SBA acquisition loans in Michigan?
Most established, profitable businesses operating for at least 2 years qualify for SBA acquisition financing. This includes manufacturing, healthcare, professional services, retail, restaurants, and service businesses across Michigan.
How much can I borrow with an SBA loan for business acquisition?
SBA 7(a) loans provide up to $5 million for business acquisitions, while SBA 504 loans offer up to $5.5 million for deals involving significant real estate or equipment. Many Michigan acquisitions use combination structures for optimal financing.
What down payment is required for Michigan SBA business acquisition loans?
SBA loans typically require 10-15% down payment for business acquisitions. The exact amount depends on the business type, deal structure, and borrower qualifications. Some deals can be structured with seller financing to reduce cash requirements.
How long does SBA loan approval take in Michigan?
With experienced Michigan SBA lenders, approval typically takes 30-45 days from complete application submission. Complex deals or first-time SBA borrowers may require additional time for underwriting.
Can I buy a franchise with an SBA loan in Michigan?
Yes, SBA loans can finance franchise acquisitions in Michigan, provided the franchise is on the SBA's approved franchise directory. Popular franchises include restaurants, service businesses, and retail operations.
What credit score is needed for Michigan SBA business acquisition loans?
Most SBA lenders require a minimum credit score of 680 for business acquisition loans. However, borrowers with strong business experience and solid deal structures may qualify with lower scores.
Are there industry restrictions for SBA loans in Michigan?
SBA loans cannot finance businesses primarily engaged in lending, speculation, or passive investment. However, most operating businesses including manufacturing, healthcare, professional services, retail, and restaurants qualify for SBA financing.
How do SBA interest rates compare to conventional business loans?
SBA loan rates are typically 2-4% above the prime rate, often making them more competitive than conventional business acquisition loans. The SBA guarantee allows lenders to offer better terms than non-guaranteed financing.
Ready to Acquire a Business in Michigan? Get Expert SBA Financing
Michigan's business acquisition market rewards buyers who move quickly with certainty of financing. Don't lose life-changing opportunities waiting on traditional bank processes.
Why Choose LVRG for Your Michigan SBA Business Acquisition Loan?
20+ Years Michigan Experience
Deep understanding of regional business markets
Established relationships with Michigan business brokers
Track record of successful acquisitions across all industries
30+ Specialized SBA Lenders
Industry-specific expertise and appetite
Competitive terms and fast approvals
Relationship-driven underwriting approach
Strategic Deal Positioning
Optimal loan structure for each acquisition
Proactive risk mitigation and packaging
Maximum approval probability with best terms
Proven Results
Average 30-day closing timeline
95%+ approval rate for qualified borrowers
$500M+ in Michigan business acquisitions financed
Get Started Today
📞 Call Our Michigan SBA Experts: (855) 998-5874 💼 Start Your Application: LINK TO APPLICATION 📧 Email for Immediate Response: cbarr@lvrgllc.com
Service Areas
We provide SBA business acquisition financing throughout Michigan including:
Southeast Michigan: Detroit, Ann Arbor, Livonia, Dearborn, Troy, Southfield, Novi, Sterling Heights, Warren, Westland, Farmington Hills, Rochester Hills, Canton, Waterford
West Michigan: Grand Rapids, Kalamazoo, Battle Creek, Holland, Muskegon, Portage, Wyoming, Kentwood, Walker, Grandville
Central Michigan: Lansing, Flint, Saginaw, Bay City, Jackson, Midland, Mount Pleasant, Owosso, Alma
Northern Michigan: Traverse City, Petoskey, Cadillac, Alpena, Marquette, Escanaba, Iron Mountain, Houghton
LVRG is a leading provider of SBA business acquisition financing across Michigan. We help entrepreneurs and investors acquire established businesses through strategic SBA loan programs including 7(a), 504, and Express loans. Contact us today to discuss your Michigan business acquisition financing needs.
Comprehensive SBA Loan Solutions for Metro Detroit Businesses - Secure SBA Loans Quickly with LVRG's 200+ Lender Network
SBA Fast Track for Metro Detroit Businesses
At LVRG Business Funding, we understand the unique challenges that Metro Detroit businesses face, especially when it comes to securing SBA loans. Local banks in Metro Detroit often fall short in providing the necessary funding quickly and efficiently. That’s where our SBA Fast Track program comes in, designed specifically to address these challenges and expedite the loan approval process.
Our SBA Fast Track program leverages our extensive network of over 200 top banks and credit unions, many of which are aggressively funding SBA loans. Unlike traditional methods that can leave you waiting for weeks or even months, our streamlined process significantly reduces waiting times. Our team of experts meticulously prepares and packages your loan application, ensuring it meets the criteria of our lending partners and highlighting the strengths of your business.
By choosing LVRG Business Funding’s SBA Fast Track program, you benefit from our deep understanding of SBA requirements and the specific needs of our lending partners. We take the guesswork out of the equation, allowing you to focus on running your business. Whether you need funding for expansion, equipment, working capital, or any other purpose, our SBA Fast Track program is your fastest route to securing the necessary funds in Metro Detroit.
SBA Boost for Metro Detroit Businesses
Metro Detroit businesses often require an extra push to reach their full potential. Our SBA Boost program is tailored to provide that much-needed boost, offering larger loan amounts with favorable terms. This program is ideal for businesses looking to make significant investments in growth, such as expanding operations, purchasing new equipment, or increasing inventory.
LVRG Business Funding’s SBA Boost program stands out due to our strategic partnerships with hundreds of the country’s leading banks and credit unions. We understand that each business is unique, and we tailor our approach to meet your specific needs. Our experienced consultants will work with you to understand your business goals and create a compelling loan package that maximizes your chances of approval.
The SBA Boost program not only offers competitive interest rates and longer repayment terms but also provides flexibility in how you use the funds. This means you can allocate the capital to various areas of your business as needed, ensuring you have the resources to drive growth and achieve your objectives. With our extensive experience and targeted approach, we make the process of securing an SBA Boost loan straightforward and efficient.
SBA 7(a) Refinancing for Metro Detroit Businesses
Refinancing existing debt can be a game-changer for small businesses, freeing up cash flow and reducing monthly payments. LVRG Business Funding’s SBA 7(a) Refinancing program is designed to help businesses restructure their debt under more favorable terms, providing much-needed financial relief.
Our SBA 7(a) Refinancing program leverages the SBA 7(a) loan program, which offers excellent terms for refinancing existing business debt. We work with a vast network of top banks and credit unions to find the best refinancing options for your business. Our team conducts a thorough analysis of your current debt situation and creates a customized refinancing plan that meets your specific needs.
One of the key advantages of the SBA 7(a) Refinancing program is its ability to consolidate multiple debts into a single, more manageable loan. This can significantly simplify your financial management and improve your overall financial health. Additionally, the program offers competitive interest rates and extended repayment terms, making it easier for you to keep up with payments and focus on growing your business.
Business Acquisition Loans for Metro Detroit Businesses
Acquiring another business can be a strategic move to expand your market presence, diversify your offerings, or achieve other business goals. LVRG Business Funding’s Business Acquisition Loans are designed to provide the capital you need to make these acquisitions smoothly and efficiently.
Our extensive experience in facilitating SBA loans ensures that we can navigate the complexities of business acquisition financing. We work with a diverse range of lenders to find the best loan options for your acquisition needs. Our team will assist you in preparing a comprehensive loan package that highlights the potential of the acquisition and addresses any concerns lenders might have.
With our Business Acquisition Loans, you can expect favorable terms, including competitive interest rates and flexible repayment options. We understand the critical factors that lenders consider in acquisition financing and tailor our approach to meet those criteria. This increases your chances of securing the necessary funding and allows you to move forward with your acquisition plans confidently.
SBA Commercial Real Estate Loans for Metro Detroit Businesses
Investing in commercial real estate can be a significant step for any business, providing stability and growth opportunities. LVRG Business Funding’s SBA Commercial Real Estate Loans are designed to help you secure the funding needed to purchase, renovate, or refinance commercial properties.
Our SBA Commercial Real Estate Loans program leverages the SBA 504 loan program, which offers long-term, fixed-rate financing for major fixed assets. We work closely with our network of top banks and credit unions to find the best loan options for your real estate needs. Our team of experts will guide you through the process, from initial consultation to loan closing, ensuring a smooth and efficient experience.
One of the key benefits of our SBA Commercial Real Estate Loans is the ability to secure up to 90% financing for your project. This means you can preserve more of your working capital while still making a significant investment in your business’s future. Additionally, the program offers competitive interest rates and long repayment terms, making it easier for you to manage your finances and focus on growing your business.
Conclusion
At LVRG Business Funding, we are committed to helping Metro Detroit businesses access the capital they need to thrive. Our comprehensive range of SBA loan programs, including SBA Fast Track, SBA Boost, SBA 7(a) Refinancing, Business Acquisition Loans, and SBA Commercial Real Estate Loans, are designed to meet the diverse needs of our clients. With our expertise, targeted approach, and extensive network of lending partners, we make the process of securing SBA loans straightforward and efficient, allowing you to focus on what matters most—growing your business.
Call us today to discuss you SBA loan options, (855) 998-5874
LVRG BUSINESS FUNDING: Your Best Third Position Merchant Cash Advance Direct Lender
Second, Third & Fourth Position Merchant Cash Advance: Strategic Growth Capital for Established Businesses
Updated: November 25, 2025
⚠️ IMPORTANT: READ THIS BEFORE APPLYING ⚠️
We want to be direct about who we CAN and CANNOT help:
WE CANNOT HELP YOU IF:
❌ You have defaulted on any merchant cash advance (ever) without paying it off in full and obtaining a zero-balance letter
❌ You are currently on "modified" or "adjusted" payment plans with existing MCA lenders (this signals financial distress)
❌ You need this advance to make payments on your existing advances (this is a debt spiral, not a growth strategy)
❌ You are severely overleveraged with multiple MCAs and declining revenue
❌ You cannot clearly articulate how this capital will generate ROI and grow your business
⚠️ CRITICAL DISCLOSURE:
We conduct extensive background checks including UCC filings, court records, and lender databases. Defaults WILL be found. Omitting them from your application results in automatic decline and wastes everyone's time.
We Understand Business Challenges:
Look, we understand that emergencies happen. Running a business isn't easy, and sometimes business owners need fast cash for unexpected situations. We get all that. But if you're taking out merchant cash advances just to keep your business afloat month-to-month - paying one MCA with another MCA - that's not a sustainable strategy, and that's not our client. Those applications will be declined in underwriting anyway.
If any of the above applies to you, please do not apply.
WE CAN HELP YOU IF:
✅ Your monthly revenue is $50,000+ and stable or growing
✅ Your existing MCA obligations are under 35% of monthly revenue
✅ You're seeking capital FOR GROWTH (expansion, equipment, inventory, acquisition)
✅ You have a clear plan for how this capital generates ROI
✅ Your payment history with existing lenders is current and in good standing
If you meet these criteria, we'd love to work with you. Please continue reading.
An Important Message About Our Evolution & Your Financing Options
After more than 20 years providing business financing solutions and helping over 10,000 businesses access working capital, LVRG Business Funding has undergone a comprehensive evolution in how we approach small business lending. This update reflects our commitment to sustainable, responsible lending practices and our focus on funding business growth, not business survival.
As we move into 2026, we're focused on being the best merchant cash advance option for established, growth-oriented businesses seeking immediate cash flow financing - not by lowering our standards to fund everyone, but by raising them to fund the right businesses for the right reasons.
If you found this page searching for second position merchant cash advances, third position MCAs, fourth position funding, alternative business financing, revenue-based financing, or fast business funding options, please read this entire page carefully. Our criteria and lending philosophy have evolved significantly, and we want to ensure we're addressing the right financing challenges before you apply.
The Type of Business Financing Challenges We Solve
LVRG Business Funding specializes in providing strategic growth capital, working capital solutions, and immediate cash flow financing to established, profitable businesses nationwide that are positioned for sustainable success.
Who Benefits from Our Financing Solutions:
Minimum Monthly Gross Revenue: $50,000
Funding Amounts: $25,000 - $1.5 Million
Multiple Position Funding: We're a merchant advance direct lender who works behind other lenders (1st through 4th position) when there's sufficient capital stack capacity
Industries We Serve: Restaurants, Retail, Construction, Healthcare, Manufacturing, Professional Services, and more
Speed: Fast business funding with offers in 2-3 hours, same-day funding available
Geographic Reach: Business loan solutions online for all 50 states
What We Mean by "Strategic Growth Capital"
We provide immediate cash flow financing and business working capital for businesses that are borrowing capital to:
Expand operations (new locations, market expansion)
Invest in equipment that increases production capacity and revenue
Increase inventory to capitalize on immediate sales opportunities
Acquire competitors or strategic assets
Launch marketing campaigns that drive measurable ROI
Hire key personnel that accelerate growth
Renovate or upgrade facilities to enhance customer experience and revenue
We do not fund businesses that are borrowing simply to stay afloat.
Understanding Multiple Position Merchant Cash Advances: The Right Way
A second, third, or fourth position merchant cash advance refers to the sequential order in which multiple advances have been taken. If you currently have one existing merchant cash advance and are seeking additional funding, a new advance would be in "second position." If you have two existing MCAs, the next would be "third position," and so on.
The Critical Question: Why Are You Seeking Additional Position Funding?
This is where timing and intention become everything.
✅ GOOD REASON (Strategic Capital): You have one or two existing MCAs that are performing well, your revenue has grown 30% over the past year, and you need $75,000 to open a second location that will double your revenue. Your current capital stack is healthy, your debt service coverage ratio is strong, and there's plenty of room for additional funding without straining cash flow.
❌ BAD REASON (Survival Capital): You have two or three existing MCAs totaling $150,000 with daily withdrawals of $2,500, your monthly revenue is $25,000, you're constantly running out of cash, and you need another advance to make payroll and cover next week's rent.
The first scenario is strategic growth capital. The second is a death spiral.
We only fund the first scenario.
Why Merchant Cash Advances Have Gotten a Bad Reputation
Let's be honest: the merchant cash advance industry has earned some of its negative reputation, and we want to address this head-on.
The Problem: Desperation Borrowing
Many business owners make a critical mistake with timing. They operate their business self-funded (which is admirable), but they wait too long to seek capital. Here's what typically happens:
Revenue starts declining due to a slow sales cycle or seasonal downturn
Cash reserves deplete month after month
Credit scores take a hit from late payments or maxed-out cards
The business bottoms out - completely out of cash and out of options
Panic sets in - the owner frantically searches Google at 2 AM for "emergency business funding" or "need cash now for my business"
They find the wrong lenders - high-pressure call centers, predatory brokers, and bottom-feeder funding platforms
They borrow out of desperation - not to grow, but to survive another month
The cycle repeats - they take another advance to pay the first one, then another to pay those two, until they're $300,000 in debt to seven different lenders with only $20,000/month in revenue
The business collapses - completely overleveraged with no way out
This is exactly what we refuse to participate in.
Important: The SBA No Longer Refinances MCA Debt
Many business owners assume they can stack merchant cash advances and later refinance into an SBA loan. This is no longer possible. Recent SBA Standard Operating Procedure (SOP) guidelines now prohibit backing loans for businesses with existing MCA debt. If you over-leverage with multiple merchant cash advances, you're closing the door to traditional financing options.
This is why timing matters. Strategic use of MCAs for growth keeps all your options open. Using MCAs for survival eliminates your ability to access lower-cost financing later.
The Solution: Strategic Borrowing & Smart Timing
When used correctly, at the right time, for the right reasons, merchant cash advances (also called revenue-based financing, working capital loans, or alternative business financing) can be extraordinarily powerful growth tools that provide immediate cash flow when you need it most.
The key to successful business financing is timing:
✅ Borrow BEFORE you need it - when your business is healthy, growing, and you see an immediate opportunity for expansion
✅ Borrow FOR growth - to capitalize on revenue-driving investments that generate measurable returns
✅ Borrow WITH a plan - knowing exactly how the working capital will generate ROI and accelerate your business
❌ Don't borrow WHEN you're drowning - when you've run out of options and need emergency funding
❌ Don't borrow FOR survival - just to keep the lights on another month without a growth strategy
❌ Don't borrow WITHOUT a strategy - hoping additional cash flow will magically improve your situation
Real-World Example: The Right Time to Borrow
Sarah's Restaurant (The Right Approach):
Monthly revenue: $150,000
One existing MCA: $50,000 balance, $800/day payment
Opportunity: A competitor restaurant is closing, and Sarah can acquire their prime location, existing customer base, and equipment for $200,000
Projected impact: Double her revenue within 6 months
She secures a second position MCA of $150,000 to make the acquisition
Result: Revenue grows to $280,000/month, both MCAs are paid off within 10 months, and she owns two highly profitable locations
This is strategic growth capital. This is what we fund. When comparing merchant cash advance direct lenders and MCA lenders in 2026, businesses like Sarah's are looking for partners who understand the difference between growth capital and survival loans - partners who won't over-leverage your business just to close a deal. That ethical approach to small business lending is what distinguishes responsible lenders from predatory ones.
Real-World Example: The Wrong Time to Borrow
Mike's Retail Store (The Wrong Approach):
Monthly revenue: $18,000 (down from $35,000 a year ago)
Existing debt: 4 merchant cash advances totaling $180,000
Daily total payments: $2,100
Why he's seeking more: Can't make rent, can't make payroll, hoping a 5th MCA will "get him through the holidays"
Reality: His business generates $18,000/month but owes $63,000/month in payments (based on original repayment schedules). He's underwater and has been for months.
This is survival capital. We cannot help Mike, and neither can anyone else. The kindest thing we can tell Mike is that he needs to consult with a business attorney or financial advisor about restructuring or closure, not take on more debt.
Why Your Choice of Lender Matters More Than You Think
Not all merchant cash advance direct lenders operate the same way. The difference between working with an experienced, ethical business financing company versus a high-pressure sales operation can literally mean the difference between growing your business and destroying it.
What to Look For in Alternative Business Financing Partners:
Experience That Protects You: Working with lenders who've been through multiple economic cycles (2008 financial crisis, COVID pandemic, various market shifts) means they understand sustainable lending. They've seen what happens when businesses are over-leveraged, and they structure deals that work long-term, not just get funded quickly.
Direct Lending vs. Broker Networks: When you work with a merchant advance direct lender, you're dealing with the actual decision-maker who holds your contract. There's no middleman marking up costs. Decisions are faster, terms are clearer, and you have a direct relationship with someone invested in your success.
Ethical Underwriting Standards: Responsible lenders analyze whether you can truly afford the additional position funding. They look at your complete capital stack, revenue trends, and growth plan. Predatory lenders just look at whether they can legally take your money. The difference shows up in your survival rate.
Long-Term Thinking: The best small business lending relationships aren't transactional - they're partnerships. When a lender funds your growth strategically, you succeed, pay them back, and return when you need capital for your next expansion. That's sustainable business financing. When a lender over-leverages you, everyone loses.
This is why we've spent 20+ years building relationships, not just closing deals. Every business we fund strategically has the potential to become a long-term financing partner. Every business we over-leverage becomes a cautionary tale and a financial loss. We choose partnerships.
What "Room in the Capital Stack" Actually Means for Your Business Financing
When we say we provide second, third, and fourth position merchant cash advances with sufficient room in the capital stack, here's what we mean and why it matters for your immediate cash flow needs:
Debt Service Coverage Ratio (DSCR)
Your total monthly debt payments (across ALL MCAs, loans, and obligations) should not exceed 25-35% of your gross monthly revenue. Ideally, we like to see 20-25%.
Example of Healthy Capital Stack:
Gross Monthly Revenue: $120,000
1st Position MCA Payment: $1,500/day ($45,000/month estimated)
2nd Position MCA Payment: $800/day ($24,000/month estimated)
Total Debt Service: ~$69,000/month (57.5% of revenue)
This business is overleveraged. While they might still be operating, there's no room for additional funding. We would decline this application.
Example of Healthy Capital Stack:
Gross Monthly Revenue: $120,000
1st Position MCA Payment: $600/day ($18,000/month estimated)
Total Debt Service: ~$18,000/month (15% of revenue)
Potential for 2nd position: $50,000 advance with $500/day payment
Resulting Total Debt Service: ~$33,000/month (27.5% of revenue)
This business has room. We could comfortably fund a second position advance that helps them grow without straining operations.
Growth Trajectory Matters
We also evaluate:
Revenue trends: Is your revenue growing, stable, or declining?
Use of funds: Will this capital generate immediate ROI and increase revenue?
Industry factors: Are you in a seasonal business during peak season or off-season?
Management: Does the business owner demonstrate strong financial acumen?
Our Lending Philosophy: 20+ Years of Lessons Learned
LVRG Business Funding has been in this industry for over two decades. We've funded over 10,000 businesses. We've seen it all - the massive successes and the devastating failures.
Here's what we've learned:
1. We Cannot Save Failing Businesses
No matter how much we want to help, lending money to a business that is severely overleveraged and declining in revenue does not save that business. It accelerates its demise while causing financial harm to everyone involved - the business owner, their employees, their family, and our company.
2. We Can Accelerate Successful Businesses
When we lend to a healthy, growing business with a clear strategic plan, we become a catalyst for their success. These businesses use our capital to generate 2x, 3x, or even 10x returns. They pay us back quickly and profitably, and they often return to us when they need capital for their next growth phase.
3. Timing Is Everything
A merchant cash advance taken at the right time, for the right reasons, by the right business can be transformational. The same product taken at the wrong time, for the wrong reasons, by a struggling business can be catastrophic.
4. Sustainable Business = Sustainable Lending
For LVRG to continue serving Michigan businesses and businesses nationwide for the next 20 years, we must maintain sustainable lending practices. This means saying "no" to applications that don't meet our criteria, even when we genuinely want to help.
Industries We Serve
LVRG Business Funding provides merchant cash advances, revenue-based financing, and working capital loans to businesses across numerous industries:
High-Volume Card Transaction Industries:
Restaurants & Bars: Fast-casual, fine dining, breweries, cafes
Retail: Boutiques, specialty stores, e-commerce + brick-and-mortar
Auto Services: Repair shops, detailing, tire shops, quick lube
Salons & Spas: Hair salons, barbershops, day spas, med spas
Healthcare: Dental practices, medical practices, veterinary clinics
B2B and Invoice-Based Industries:
Construction: General contractors, specialty trades, equipment operators
Manufacturing: Small to mid-sized manufacturers, custom fabrication
Professional Services: Marketing agencies, IT services, consulting firms
Wholesale/Distribution: Product distributors, wholesalers
Technology & Recurring Revenue:
SaaS Companies: Software with monthly recurring revenue
Subscription Services: Any business with predictable recurring revenue
Why Business Owners Choose to Work With Us
20+ Years of Small Business Lending Experience
Two decades in business financing means we've navigated every economic condition and funded businesses through boom times and recessions. This experience directly benefits you - we know which growth strategies work and which situations to avoid. We've helped over 10,000 businesses access the working capital they needed to expand, and that pattern recognition helps us structure your deal intelligently.
Direct Lender = Better Terms for You
As a merchant advance direct lender, we make our own funding decisions and hold our own contracts. This means:
Faster decisions (offers in 2-3 hours)
Same-day funding available
No intermediaries marking up your costs
Direct relationship with the people who understand your business
Transparent & Ethical Business Practices
We believe in complete transparency. You will always know:
Exactly how much you're receiving
Exactly how much you're repaying
Exactly what your daily or weekly payment will be
All fees and costs upfront - no surprises
Flexible Funding Structure for Your Business Needs
1st through 4th position merchant cash advance funding available
ACH or credit card split repayment options that work with your cash flow
$25,000 to $1.5 Million in immediate cash flow financing
Customized repayment schedules based on your revenue patterns
Fast Business Funding When Timing Matters
When you spot a growth opportunity, speed matters. We make funding offers within 2-3 hours and can deposit funds the same business day. Whether you're acquiring a competitor, stocking up for peak season, or found perfect equipment at auction, fast business funding keeps you competitive.
Alternative Terminology: Same Financing Solutions, Different Names
If you're searching for any of these terms, you're looking for the business financing solutions we offer:
Revenue-Based Financing (RBF) - Repayment tied to your revenue performance
Sales-Based Financing - Capital advanced against future sales
Working Capital Loans - Short-term financing for operational needs
Business Cash Advance - Lump sum advance for immediate cash flow
Merchant Loan - Alternative term for merchant cash advance
Future Receivables Financing - Purchase of future payment receivables
Immediate Cash Flow Financing - Fast funding for urgent business needs
Alternative Business Financing - Non-bank financing solutions
Small Business Lending - Direct lending to small and mid-sized businesses
These are all variations of the same basic structure: upfront working capital in exchange for a percentage of future revenue or sales. The terminology varies, but the core financing solution remains the same - fast access to business funding when you need it.
Common Ways Businesses Use Strategic Growth Capital
When businesses access working capital loans and immediate cash flow financing for the right reasons, here's how that business funding typically drives measurable growth:
Inventory Expansion
ROI Timeline: Immediate to 30 days Using business working capital to purchase additional inventory lets you meet seasonal demand, take advantage of supplier discounts, or stock high-margin products. Many retailers and e-commerce businesses use merchant cash advances to turn inventory 2-3x faster, generating immediate ROI that pays back the advance quickly.
Equipment Acquisition
ROI Timeline: 30-90 days Using alternative business financing to purchase equipment that increases production capacity, improves efficiency, or enables new service offerings. A restaurant might use fast business funding to buy a new oven that doubles output. A contractor might use immediate cash flow financing to buy equipment that allows them to take larger, more profitable jobs.
Marketing & Advertising
ROI Timeline: 30-120 days Funding proven marketing campaigns during peak seasons. A landscaping company might fund a spring advertising blitz. An e-commerce company might scale profitable Facebook ads.
Hiring Key Personnel
ROI Timeline: 90-180 days Bringing on sales staff, technicians, or other revenue-generating employees. The upfront capital covers recruiting, onboarding, and initial payroll until the new hire becomes profitable.
Location Expansion
ROI Timeline: 120-365 days Opening a second (or third, or fourth) location, whether that's a new retail store, restaurant, or service location. This is one of the most common and successful uses of growth capital.
Renovation & Upgrades
ROI Timeline: 60-180 days Upgrading facilities to improve customer experience, increase capacity, or meet regulatory requirements. A restaurant might renovate to add outdoor seating. A retail store might modernize to compete with newer competitors.
Acquisition Opportunities
ROI Timeline: Varies Acquiring a competitor, complementary business, or valuable asset (like a customer list or intellectual property) that immediately increases revenue.
Seasonal Preparation
ROI Timeline: Immediate to 90 days Building inventory, hiring seasonal staff, and marketing ahead of peak season. Businesses with strong seasonal patterns (like landscaping, holiday retail, or summer tourism) often use this strategically.
What We Don't Fund
To be completely transparent, here are scenarios where we will decline an application:
❌ Gross monthly revenue below $50,000
❌ Existing MCA debt that exceeds 40% of monthly revenue
❌ Declining revenue trends over the past 6 months without a clear turnaround plan
❌ Capital needed for "survival" rather than growth
❌ Businesses with more than 4 existing MCA positions
❌ Businesses where the owner cannot articulate a clear ROI plan for the capital
❌ Industries we don't serve (cannabis, adult entertainment, cryptocurrency, multi-level marketing)
A Direct Message to Overleveraged Business Owners
If you're reading this and you recognize yourself in the "wrong time to borrow" scenarios - if you have multiple merchant cash advances, declining revenue, and you're searching for one more advance to get you through another month - we need to be honest with you:
We cannot help you.
Not because we don't care, but because lending you more money in your current situation would be harmful to you, your business, your employees, and your family. There is no merchant cash advance, from any lender, that will save a business that is severely overleveraged and declining. Additional debt will only make the situation worse.
How to Apply
If you've read this entire page and you believe your business meets our criteria - if you're seeking strategic growth capital for a healthy, growing business with a clear plan for ROI - we'd love to talk to you.
Application Process:
Step 1: Quick Pre-Qualification (5 Minutes) Complete our brief online application with basic business information.
Step 2: Document Submission (15 Minutes) Provide 3-4 months of bank statements or merchant processing statements to verify revenue.
Step 3: Review & Offer (2-3 Hours) Our underwriting team reviews your application and business financials. If approved, we'll send you a detailed funding offer with all terms clearly outlined.
Step 4: Agreement & Funding (Same Day) Once you review and accept the offer, we'll send final agreements. Upon signing, funds are deposited directly into your bank account - often the same day.
What You'll Need:
Business bank statements: Last 3-4 months
Merchant processing statements (if applicable): Last 3-4 months
Government-issued ID: Driver's license or passport
Voided check from your business bank account
Quick Facts About Our Process:
✅ No lengthy applications
✅ No business plan required
✅ No collateral required
✅ Bad credit considered (if revenue is strong)
✅ Offers in 2-3 hours
✅ Same-day funding available
✅ No prepayment penalties
Frequently Asked Questions
What's the difference between a merchant cash advance and a loan?
A merchant cash advance is technically not a loan - it's a purchase of future receivables. Rather than borrowing money with fixed interest and payment schedules, you're selling a portion of future revenue at a discount. Repayment is flexible and tied to your actual sales or revenue.
How much will my payments be?
Payments are typically structured in one of two ways:
Credit Card Split: A fixed percentage (usually 10-20%) of your daily credit card sales
ACH/Fixed Daily: A fixed daily amount debited from your bank account (typically $500-$3,000/day depending on the advance size)
The payment amount is determined by your revenue, the advance amount, and the repayment term.
What's a factor rate?
Instead of an interest rate, MCAs use a "factor rate" (typically 1.15 to 1.45). If you receive $100,000 with a 1.3 factor rate, you'll repay $130,000 total. The factor rate is applied once at the beginning - there's no compounding interest.
How fast can I get funded?
We typically make offers within 2-3 hours of receiving your complete application. Once you accept the offer and sign agreements, funding can occur the same business day.
Can I pay off early?
Yes, and there are no prepayment penalties. Many of our clients pay off their advances early as their businesses grow and generate additional cash flow.
What if I already have an existing MCA?
We fund second, third, and fourth positions regularly - as long as there's sufficient room in your capital stack and you meet our criteria. We'll evaluate your current obligations, revenue, and the purpose of the new funding.
Do you check personal credit?
We do review personal credit as part of our underwriting, but it's not the primary factor. We're more concerned with business revenue, trends, and the strategic use of capital. We work with business owners who have credit challenges if their business fundamentals are strong.
What industries do you not work with?
We generally do not fund: cannabis, adult entertainment, cryptocurrency businesses, multi-level marketing, payday lending, or pawn shops.
Nationwide Reach, Deep Industry Expertise
LVRG Business Funding serves businesses across all 50 states with specialized knowledge across diverse industries:
Manufacturing and production businesses
Tourism and hospitality sectors
Food production and agricultural businesses
Technology and startup ecosystems
Service-based industries nationwide
Regional and national retail operations
We understand seasonal patterns, economic factors, and industry-specific opportunities regardless of your location. Our 20+ years of experience funding businesses coast-to-coast gives us the insight to evaluate opportunities in any market.
The LVRG Difference: Growth, Not Survival
After 20+ years in business financing and a comprehensive rebrand entering 2026, LVRG Business Funding stands for something specific:
We fund business growth. We don't fund business survival.
This isn't just a tagline - it's our lending philosophy, our underwriting criteria, and our commitment to sustainable, responsible business financing.
If your business is healthy, growing, and you have a strategic opportunity that requires capital - we want to be your funding partner.
If your business is struggling, overleveraged, and you're looking for a lifeline - we want to be honest with you that more debt isn't the answer.
Ready to Grow? Let's Talk.
LVRG Business Funding
Direct Lender | Nationwide Service
Loan Amounts: $25,000 - $1.5 Million
Positions: 1st through 4th
Minimum Monthly Revenue: $50,000
Response Time: 2-3 Hours
Funding Speed: Same Day Available
Contact Us:
Phone: (855) 998-5874
Email: info@lvrgllc.com
Apply Online: https://www.lvrgllc.com/apply-now
Serving: Businesses nationwide across all industries
Specializing in: Strategic growth capital, location expansion, equipment acquisition, inventory financing, seasonal preparation, and acquisition funding
Remember: The best time to borrow is BEFORE you need it. The worst time to borrow is WHEN you need it.
As you plan your business funding strategy for 2026, don't wait until you're out of cash and out of options. If you see a growth opportunity on the horizon, let's talk today.
Updated November 25, 2025 - This page reflects LVRG Business Funding's elevated lending standards, updated minimum criteria, and renewed focus on sustainable growth capital for established businesses. All information is current as of this date.