Michigan Business Acquisition Financing:
SBA 7(a) & 504 Loans
Strategic Capital for Buying Established Michigan Businesses
$500,000 to $13,750,000+ | SBA 7(a) & 504 Programs | 10% Down Payment
Acquiring an established Michigan business delivers immediate market position, existing customer relationships, operational infrastructure, and proven cash flow—advantages that building from scratch requires years to achieve. Yet most Michigan business buyers waste months navigating bank declines and financing uncertainty that ultimately kills otherwise sound acquisitions.
The challenge isn't qualifying for capital. The challenge is structuring acquisition financing correctly and accessing lenders who actually fund business purchase transactions in Michigan markets.
LVRG Business Funding specializes in Michigan business acquisition financing through SBA loan programs. Headquartered in Detroit, we connect qualified buyers throughout Metro Detroit, Grand Rapids, Ann Arbor, and all Michigan markets with institutional lenders maintaining active acquisition financing capabilities—closing transactions in 50-65 days.
Call (855) 998-5874 | Apply Now
Understanding the Michigan Business Acquisition Financing Landscape
Traditional commercial banks throughout Michigan—even those advertising business lending—decline 75-80% of business acquisition financing requests. This reflects institutional lending realities rather than borrower qualification issues.
Most Michigan banks prefer real estate mortgages and equipment loans: straightforward collateral valuations, simple underwriting models, minimal operational analysis required. Business acquisitions demand comprehensive financial analysis, industry expertise, cash flow projections, transition risk assessment, and valuation defensibility—capabilities many traditional lenders lack or choose not to deploy.
SBA acquisition financing programs address this market gap. Government loan guarantees reduce institutional lender risk, enabling banks to fund business purchase transactions they would otherwise decline under conventional underwriting. The result: qualified Michigan buyers access acquisition capital through specialized SBA lenders while traditional banks continue focusing on simpler lending products.
Understanding which lenders actually fund acquisition transactions—and how to structure deals matching their specific credit criteria—determines acquisition financing success far more than buyer credit scores or down payment percentages.
SBA 7(a) Business Acquisition Loans
Loan Amount: Up to $5,000,000
Down Payment: 10% minimum with qualified seller financing structures
Repayment Terms: 10 years (business acquisitions) | 25 years (real estate component)
Current Interest Rates: Based on WSJ Prime Rate, starting at Prime + 1%, ranging to Prime + 2.75% depending on industry, cash flow strength, credit profile, time in business, and deal structure
Use of Proceeds: Asset purchases, stock purchases, membership interest acquisitions, post-closing working capital
SBA 7(a) loans provide maximum financing flexibility for Michigan business acquisitions. The program accommodates pure business purchases without significant real estate, bolt-on acquisitions adding capacity to existing operations, franchise purchases, competitor consolidations, and transactions requiring substantial working capital post-acquisition.
Current WSJ Prime Rate: 6.75% (as of January 15, 2026)
SBA 7(a) rates start as low as Prime + 1% for well-structured deals with strong borrowers and appropriate lender matching, ranging up to Prime + 2.75% based on various factors including industry sector, business cash flow characteristics, personal credit profiles, operating history, and transaction complexity. LVRG's relationships with 25+ specialized SBA lenders—including LiveOak Bank, Celtic Bank, Huntington Bank, and other premier acquisition finance institutions—often deliver more favorable rates than business buyers achieve working independently with individual banks.
Strategic Applications in Michigan Markets:
Manufacturing businesses throughout Metro Detroit and Grand Rapids utilize SBA 7(a) financing for competitor acquisitions, supplier vertical integration, and production capacity expansion. These transactions typically combine business asset purchases with modest real estate components, seller financing structures, and post-closing working capital for integration expenses.
Automotive service operations across Michigan markets—including independent repair facilities, tire retailers, and service centers—employ 7(a) financing for multi-location consolidation and market expansion. The program accommodates equipment purchases, customer list valuations, and operational integration capital within single loan structures.
Professional service firms—accounting practices, law firms, engineering companies—execute succession planning and practice consolidation through 7(a) acquisition financing. These transactions emphasize client relationship transfers and revenue stream valuations over hard asset collateral.
Construction and skilled trade businesses throughout Michigan use 7(a) loans for competitor acquisitions, equipment fleet purchases, and geographic market expansion—combining business purchases with operational assets and customer contract assignments.
Case Study: Metro Detroit Manufacturing Acquisition
Buyer acquiring $3,000,000 precision machining operation serving automotive tier-one suppliers:
Purchase Price: $3,000,000
Buyer Equity: $300,000 (10%)
SBA 7(a) Loan: $2,400,000 over 10 years
Seller Note: $300,000 subordinated over 5 years (on full standby)
Timeline: 58 days from application to closing
Transaction included CNC equipment, customer contracts, intellectual property, and 12-month seller employment agreement. Financing structure preserved buyer working capital for operational integration and customer relationship management during ownership transition.
SBA 504 Business Acquisition Loans
Maximum Project Size: $13,750,000 in standard 50/40/10 structure
CDC Loan Amount: Up to $5,500,000 (40% of project, fixed rate)
Bank Loan Amount: No limit on 50% first lien portion
Down Payment: 10% of total project cost
Repayment Terms: 10, 20, or 25 years with fixed rate on CDC portion
Current Rates: CDC fixed rates currently 5.85% - 6.15% (20-25 year terms); Bank variable rates competitive with market conditions
SBA 504 loans serve Michigan business acquisitions where commercial real estate or significant equipment represent substantial transaction value—common in manufacturing facilities, warehouse operations, automotive service centers, medical office buildings, and owner-occupied commercial properties.
The 504 program delivers two critical advantages for real estate-intensive acquisitions: (1) fixed interest rates on 40% of total financing eliminating long-term rate risk, and (2) extended 20-25 year amortization reducing monthly debt service compared to conventional commercial mortgages.
Program Structure and Financing Capacity:
The SBA caps CDC loans at $5,000,000 for standard projects and $5,500,000 for manufacturing or green energy projects. Since CDC financing represents 40% of total project cost, maximum financeable project size reaches $13,750,000 under standard 50/40/10 structure:
Total Project: $13,750,000
Bank First Lien (50%): $6,875,000
CDC Second Lien (40%): $5,500,000
Buyer Equity (10%): $1,375,000
Importantly, no regulatory cap limits bank participation. Projects exceeding $13,750,000 remain possible when banks provide more than 50% financing, though this requires lenders willing to accept portfolio risk above standard SBA parameters.
Strategic Applications in Michigan Markets:
Manufacturing operations throughout Metro Detroit, Grand Rapids, and industrial corridors across Michigan employ 504 financing for facility acquisitions combining buildings, production equipment, and operating businesses. Fixed-rate financing on substantial project portions provides long-term cost certainty critical for capital-intensive operations.
Distribution centers and warehouse operations throughout Michigan—particularly in Metro Detroit logistics corridors and Grand Rapids distribution markets—employ 504 financing for real estate acquisitions supporting operating business purchases.
Case Study: Grand Rapids Manufacturing Business & Facility Acquisition
Buyer acquiring $10,000,000 metal fabrication business including 45,000 square foot facility and production equipment:
Total Purchase Price: $10,000,000
Buyer Equity: $1,000,000 (10%)
Bank Loan: $5,000,000 (variable rate, 50%)
CDC Loan: $4,000,000 (fixed 6.05%, 20 years, 40%)
Timeline: 72 days from application to closing
Transaction financed real estate ($6,000,000), equipment ($2,500,000), inventory ($800,000), and working capital ($700,000). Fixed-rate component on CDC portion eliminated interest rate risk on 40% of total financing—critical for long-term financial planning in capital-intensive manufacturing operations.
Down Payment Requirements and Equity Sources
SBA acquisition financing requires minimum 10% buyer equity for qualified transactions. Despite occasional claims of "zero down" acquisition financing, legitimate business purchase loans demand meaningful buyer investment demonstrating commitment and reducing default risk.
Down payment requirements vary based on deal structure, target business characteristics, and buyer qualifications. Standard expectation: 10-15% cash equity from buyers with strong credit, industry experience, and well-structured transactions. Higher equity requirements apply to marginal credit profiles, declining target businesses, or complex deal structures.
Acceptable Equity Sources:
Cash from personal savings and investment accounts provides cleanest equity source requiring minimal documentation. Home equity from Michigan real estate or investment properties qualifies when properly documented and valued. Seller financing on full standby—subordinated behind SBA debt with no payments during SBA loan term—counts toward 50% of required equity injection.
ROBS (Rollover for Business Startups) structures allow qualified buyers to access 401(k) funds without tax penalty or early withdrawal charges. Gift funds from family members qualify with proper documentation and gift letters. Borrowed funds qualify when buyers demonstrate alternate income sources for repayment independent of acquired business cash flow.
Seller Financing Structures:
Michigan business sellers frequently provide 5-10% financing subordinated to SBA loans, typically structured at 5-7% interest over 5-7 years on full standby. This arrangement benefits both parties: buyers reduce cash equity requirements while sellers demonstrate confidence in business sustainability—a factor SBA underwriters evaluate favorably.
Full standby provisions mean seller notes carry no principal or interest payments during SBA loan term. Sellers receive balloon payments when SBA loans mature or businesses refinance, or notes convert to amortizing payments after SBA debt retirement.
Michigan Buyer and Business Qualification Standards
Buyer Personal Qualifications:
Credit scores minimum 660 FICO across all owners with 20%+ equity stakes, though 680-700+ scores significantly improve approval odds and pricing. Credit history should reflect responsible debt management with no major derogatory marks (bankruptcies, foreclosures, significant charge-offs) within past 24 months.
Debt-to-income ratios below 50% including proposed acquisition debt service demonstrate financial capacity to manage business ownership alongside personal obligations. Liquidity reserves covering 10-15% down payment plus 3-6 months working capital post-closing provide operational cushion during ownership transition.
Personal guarantees from all owners with 20%+ equity stakes remain standard SBA requirements, creating personal liability for business debt obligations.
Industry Experience Requirements:
Direct industry experience—typically 2-5 years working in same or closely related sectors as target Michigan businesses—satisfies most SBA lender requirements. Transferable management skills from similar business models, operational structures, or customer bases provide acceptable alternatives when buyers demonstrate relevant expertise.
Strong transition planning—including seller employment agreements, management team retention strategies, and operational continuity plans—compensates for experience limitations when buyers structure comprehensive knowledge transfer protocols.
Target Business Qualification Standards:
Operating history minimum 2 years required, though 3+ years strongly preferred. Lenders evaluate revenue consistency, profitability trends, customer retention, and operational stability demonstrated through tax returns and financial statements.
Cash flow adequacy measured by debt service coverage ratio—typically 1.25x minimum after acquisition debt—ensures businesses generate sufficient earnings to support loan payments while maintaining operational viability. Lenders analyze normalized EBITDA adjusting for non-recurring expenses, owner compensation above market rates, and discretionary spending.
Financial record integrity matters significantly. Tax returns must reconcile with financial statements and books-and-records. Unexplained discrepancies, cash basis accounting showing minimal profitability while claiming strong earnings, or aggressive revenue recognition raise immediate concerns.
Customer concentration below 25% for any single customer reduces business risk and improves financing viability. Operations transferable without heavy seller dependency—documented through employee capabilities, process documentation, and customer relationships independent of ownership—demonstrate sustainable business models.
Purchase price valuations aligning with Michigan market multiples (typically 2-4x adjusted EBITDA depending on industry, growth rates, and business characteristics) ensure transactions price reasonably. Excessive goodwill, intangible asset valuations, or purchase prices substantially above market comparables create valuation defensibility challenges.
Michigan Business Acquisitions Across Industries
LVRG finances business acquisitions for established, cash-flowing operations across most industries throughout Michigan. Successful acquisition candidates share common characteristics: consistent profitability, diversified customer bases, transferable operations, and sustainable competitive advantages—regardless of specific industry sector.
Common Acquisition Types:
Manufacturing and industrial operations throughout Metro Detroit and Grand Rapids—metal fabrication, precision machining, contract manufacturing, plastics production, food processing—execute competitor acquisitions and capacity expansion through SBA financing. These transactions typically combine equipment, facilities, customer contracts, and operational expertise.
Construction companies and skilled trades across Michigan—general contractors, electrical, HVAC, plumbing, roofing operations—consolidate market position through competitor purchases and geographic expansion. Strong recurring customer relationships and equipment assets support acquisition financing structures.
Professional service firms—accounting practices, engineering companies, consulting businesses—implement succession planning and practice consolidation throughout Michigan markets. These acquisitions emphasize client relationship transfers and recurring revenue streams over physical asset collateral.
Distribution and wholesale operations concentrated in Michigan logistics corridors pursue supplier acquisitions, customer base consolidation, and geographic expansion. Established distribution relationships and inventory management capabilities support financing viability.
Business service companies—staffing agencies, commercial cleaning operations, logistics providers—execute market consolidation and capacity acquisition throughout Michigan. Predictable cash flow and contract-based revenue models facilitate acquisition financing approval.
Food service operations—independent restaurants, franchise concepts, catering businesses—structure multi-unit consolidation and proven concept expansion across Michigan markets. Financing accommodates equipment, leasehold improvements, liquor licenses, and customer base valuations.
The key to acquisition financing approval: demonstrated cash flow, operational transferability, and sustainable business models—not specific industry classifications.
Why Traditional Michigan Banks Decline Acquisition Financing
Understanding institutional lending dynamics explains why qualified Michigan buyers with strong credit frequently receive bank declines on sound acquisition transactions.
Institutional Capacity and Specialization
Large Michigan banks—despite substantial lending capabilities—often decline business acquisitions simply because they don't maintain specialized acquisition lending programs. Real estate mortgages and equipment loans provide simpler underwriting, faster processing, and more predictable portfolio performance. Business acquisitions require dedicated underwriting resources, industry expertise, and operational analysis capabilities many institutions choose not to develop.
Industry Sector Preferences
Banks maintain undisclosed industry preferences based on historical portfolio performance, market knowledge, and risk appetites. One Michigan bank's immediate decline for automotive supplier acquisitions represents another lender's core business specialization. Manufacturing consolidations, construction company purchases, and distribution acquisitions receive dramatically different receptions across Michigan's institutional lending landscape.
Deal Structure Compatibility
Asset purchases versus stock purchases, working capital components, earnout provisions, seller financing structures, equipment valuations, and goodwill allocations determine which lenders can fund specific Michigan business acquisitions. Transactions structured for one lender's credit parameters become automatic declines at institutions with different underwriting models—despite identical buyer qualifications.
Target Business Characteristics
Customer concentration levels, revenue trends, lease situations, key employee dependencies, supplier relationships, and regulatory compliance create varying institutional responses. Lenders evaluate identical risk factors differently based on portfolio composition, risk management philosophy, and market positioning.
Transition Risk Assessment
Seller departure timing, key employee retention planning, customer relationship management strategies, operational continuity protocols, and knowledge transfer mechanisms significantly influence acquisition financing decisions. Inadequate transition planning creates lender concerns about post-acquisition business stability regardless of buyer qualifications or target business historical performance.
The LVRG Approach to Michigan Business Acquisition Financing
Strategic SBA Lender Network Throughout Michigan
LVRG maintains direct relationships with 25+ institutional lenders actively funding business acquisitions through SBA programs—including SBA Preferred Lender Program (PLP) banks with delegated SBA authority enabling faster processing, specialized acquisition finance institutions like Live Oak Bank, Huntington Bank, Ready Cap Lending, U.S. Bank, First Internet Bank, Celtic Bank, TD Bank, Cadence Bank, United Midwest, Truliant, Bancorp, and 25+ more premier lenders.
These relationships provide Michigan buyers access to lenders impossible to reach independently—institutions with proven acquisition financing expertise, industry-specific underwriting capabilities, and track records closing complex business purchase transactions throughout Michigan markets. Rate advantages often emerge from these strategic relationships, but speed, expertise, and approval certainty matter more than chasing absolute lowest rates from lenders unfamiliar with acquisition financing.
Comprehensive Deal Structuring and Analysis
Business acquisition financing succeeds or fails based on transaction structure and presentation quality. LVRG prepares Michigan acquisitions through systematic analysis:
Executive summaries positioning transactions strategically for lender review, highlighting buyer qualifications, target business strengths, industry dynamics, and transaction rationale. Normalized EBITDA calculations and quality of earnings analysis demonstrating sustainable cash flow after removing non-recurring expenses, excessive owner compensation, and discretionary spending.
Comprehensive transition planning addressing operational continuity, customer relationship management, key employee retention, supplier relationship preservation, and knowledge transfer protocols. Complete documentation packages formatted to SBA underwriting standards including tax returns, financial statements, purchase agreements, lease documents, franchise agreements, and valuation support.
Proactive identification and resolution of potential underwriting concerns before lender submission—addressing customer concentration, revenue trends, lease situations, regulatory compliance, or valuation questions that might otherwise delay approvals or trigger declines.
Michigan Market Knowledge and Industry Expertise
Headquartered in Detroit with deep connections throughout Michigan's business community—Metro Detroit, Grand Rapids, Ann Arbor, Lansing, Flint, Kalamazoo, and all markets statewide—LVRG understands Michigan business acquisition dynamics across industries and transaction types.
This Michigan market knowledge informs deal structuring, lender selection, and acquisition strategy. We understand manufacturing consolidation economics, construction company purchase multiples, professional services practice valuations, distribution center transaction structures, and food service expansion financing throughout Michigan markets.
Accelerated Timeline Management
LVRG average timelines for Michigan business acquisitions: 50-65 days for SBA 7(a) transactions, 60-90 days for SBA 504 transactions, from complete application submission through closing and funding. Traditional Michigan bank approaches typically require 90-120+ days with higher decline rates and less acquisition financing expertise.
Timeline acceleration comes from pre-underwriting identifying issues before lender submission, strategic lender matching to institutions suited for specific deal types, professional packaging eliminating common documentation delays, and direct communication with SBA underwriting teams managing conditions and requirements efficiently. When sellers receive multiple offers, execution speed often matters more than purchase price—and LVRG delivers certainty competitors cannot match.
Value Beyond Rate Shopping
While LVRG's institutional lender relationships often produce favorable rates, focusing solely on interest rates misses the broader value proposition. The right loan structure matters more than absolute lowest rate. A 10-year term loan at Prime + 1% may represent worse financing than a 25-year SBA 504 at blended 8% when lower payments preserve working capital for business growth.
Similarly, closing a transaction in 60 days versus 120 days can mean the difference between capturing an acquisition opportunity or watching competitors secure the business. Professional deal structuring that positions transactions for approval on first submission delivers more value than rate shopping across multiple lenders who ultimately decline the deal.
Michigan business buyers benefit most from working with specialists who understand acquisition dynamics, maintain active lender relationships, structure deals correctly from the beginning, and execute transactions efficiently. Rates matter—but expertise, speed, and lender access matter more.
Michigan Business Acquisition Financing Process and Timeline
Initial Consultation and Deal Assessment (Days 1-7)
Review Michigan business acquisition details including purchase price, deal structure, target business financials, buyer qualifications, and timeline requirements. Analyze transaction feasibility, identify potential underwriting concerns, assess buyer readiness, and determine optimal SBA program (7a versus 504) based on real estate component, equipment values, and financing objectives.
Gather preliminary documentation including target business tax returns and financial statements, purchase agreements or letters of intent, buyer personal financial statements and credit authorization, and business plan or acquisition rationale.
Complete File Development and Pre-Underwriting (Days 7-14)
Prepare comprehensive loan package with executive summary positioning acquisition strategically, normalized EBITDA and quality of earnings analysis, comprehensive transition plan addressing operational continuity, complete documentation formatted to SBA standards, and proactive resolution of identified underwriting concerns.
Conduct internal pre-underwriting simulating institutional lender review, identifying weaknesses requiring additional support or explanation, and structuring presentation to maximize approval likelihood and minimize condition requirements.
Strategic Lender Submission (Days 14-30)
Present acquisition to best-fit SBA lenders from LVRG network based on industry specialization, deal size and structure preferences, and geographic focus. Manage all lender communication and document requests, coordinate between buyer teams, seller representatives, and lender underwriting departments, and address preliminary lender questions or concerns immediately.
Institutional Underwriting and SBA Authorization (Days 30-50)
Bank completes credit underwriting and approves transaction subject to SBA guarantee issuance. SBA reviews loan package and issues authorization providing government guarantee. Clear all underwriting conditions including additional documentation, third-party reports, legal requirements, or structural modifications. Finalize loan terms, pricing, and closing requirements.
Closing Coordination and Transaction Funding (Days 50-65)
Coordinate with transaction attorneys, escrow agents, title companies, and all closing parties. Finalize all legal documentation including loan agreements, security instruments, corporate resolutions, and closing certifications. Conduct closing with all required parties and disburse funds completing Michigan business acquisition.
Total Timeline for Michigan Business Acquisitions:
SBA 7(a) Loans: 50-65 days average from complete application to funding
SBA 504 Loans: 60-90 days average from complete application to funding
Traditional Michigan bank approach without SBA specialization: 90-120+ days if approved, with substantially higher decline rates and less acquisition financing expertise.
Common Questions About Michigan Business Acquisition Financing
What costs do buyers pay for LVRG's acquisition financing services?
None. LVRG receives compensation directly from SBA lenders through standard broker fees included in all SBA acquisition loans regardless of whether buyers work with financing advisors or apply directly to banks. Michigan business buyers receive expert acquisition financing guidance, strategic institutional lender access, and professional transaction structuring at zero cost beyond standard SBA loan fees.
Can Michigan buyers finance 100% of business acquisitions?
Extremely rare and only possible under very specific circumstances: buyers currently owning profitable Michigan businesses in identical industries (same NAICS code) acquiring businesses with same operations, or sellers providing subordinated financing on full standby covering entire equity requirements. Most Michigan business acquisitions require 10-15% cash down payment from buyers demonstrating financial commitment and reducing institutional lender risk.
What happens after Michigan bank declines?
Bank declines rarely indicate buyer qualification failures. Declines typically reflect institutional lending preferences (banks avoiding acquisition lending complexity), industry sector restrictions (banks declining specific industries based on portfolio management), or deal structure incompatibility (transactions not fitting specific lender credit parameters).
LVRG specializes in Michigan business acquisition financing after traditional bank declines. We've successfully funded hundreds of acquisitions throughout Michigan markets following rejections from major national banks and regional institutions—connecting buyers with specialized SBA lenders maintaining different credit criteria, industry preferences, and acquisition financing capabilities.
How long does Michigan business acquisition financing actually require?
Realistic timelines: 50-65 days for SBA 7(a) loans, 60-90 days for SBA 504 loans, from complete application submission through closing and funding. Timeline variables include target business documentation quality and completeness, buyer responsiveness to information requests, third-party report timing (appraisals, environmental assessments, franchise documentation), and SBA processing volume.
LVRG eliminates common delays through proactive deal packaging, strategic lender selection matching transaction characteristics to institutional capabilities, professional documentation eliminating back-and-forth, and direct SBA underwriting team communication managing conditions efficiently.
Do SBA loans finance partner buyouts in Michigan businesses?
Yes. Partner buyouts, ownership changes, and succession planning in existing Michigan businesses qualify for SBA 7(a) financing. Requirements vary based on whether remaining partners maintain proportional ownership and operational roles, business operations continue unchanged post-buyout, and transactions structure as redemptions, cross-purchases, or new entity formations.
How does seller financing affect Michigan acquisition deals?
Seller financing on full standby—subordinated behind SBA debt with no principal or interest payments during SBA loan term—counts toward 50% of required buyer equity injection. Michigan business sellers typically provide 5-10% financing at 5-7% interest over 5-7 years, reducing buyer cash requirements while demonstrating seller confidence in business sustainability—a factor SBA underwriters evaluate favorably when analyzing acquisition transactions.
What collateral do Michigan business acquisitions require beyond purchased business assets?
SBA lenders require first security interest in all acquired business assets including equipment, inventory, accounts receivable, intellectual property, and goodwill. When business assets don't fully collateralize loan amounts, lenders may require additional collateral including personal real estate, investment accounts, or other business assets owned by buyers.
However, transactions aren't declined solely for collateral insufficiency when target business cash flow adequately supports debt service. SBA programs emphasize cash flow lending over pure asset-based approaches—enabling acquisitions where business value exceeds tangible asset bases.
What credit scores do Michigan business buyers actually need?
Minimum FICO scores of 660 across all owners with 20%+ equity stakes, though 680-700+ scores significantly improve approval odds and pricing. Some SBA lenders consider 640-680 scores with strong compensating factors including substantial down payments, significant industry experience, robust target business cash flow, or meaningful collateral coverage.
Credit history matters beyond scores. Recent bankruptcies, foreclosures, tax liens, or significant charge-offs create qualification challenges even with acceptable current scores. Clean credit patterns over 24-36 months demonstrate financial responsibility and strengthen acquisition financing applications.
Can buyers acquire businesses in different Michigan cities or markets?
Yes. SBA acquisition financing works throughout all Michigan markets regardless of buyer location or target business geography. LVRG facilitates business acquisitions in Metro Detroit, Grand Rapids, Ann Arbor, Lansing, Flint, Kalamazoo, Traverse City, Saginaw, and every Michigan community statewide—connecting buyers with SBA lenders maintaining statewide or regional lending territories.
What differentiates LVRG from other Michigan business loan brokers?
LVRG specializes exclusively in SBA financing with 20+ years structuring Michigan business acquisitions, partner buyouts, and business purchase transactions. Headquartered in Detroit, we maintain deep Michigan market knowledge across industries, business valuations, and transaction dynamics. Our SBA lender relationships include institutions with proven acquisition financing expertise—LiveOak Bank, Celtic Bank, Huntington Bank, and 20+ other premier lenders—not generic broker networks handling all commercial loan types.
Michigan business buyers work directly with acquisition financing specialists understanding deal structuring nuances, valuation methodologies, transition planning requirements, and SBA underwriting standards—not generalists processing varied loan applications across multiple programs and purposes.
Why do rates vary between different acquisition deals?
Interest rates on SBA acquisition loans depend on multiple factors: industry sector (some industries command better pricing than others), business cash flow strength (higher debt service coverage enables better rates), credit profiles of all guarantors, time in business and operating history, deal structure and complexity, lender appetite for specific transaction types, and overall risk assessment.
This is why focusing solely on advertised rates creates unrealistic expectations. A manufacturing acquisition with 10 years operating history, strong cash flow, and excellent credit may qualify for Prime + 1%. A restaurant acquisition with 3 years history, moderate cash flow, and average credit may price at Prime + 2.5%. Both represent appropriate market pricing for their specific risk profiles—and both deliver value when structured correctly with appropriate lenders.
Contact LVRG for Michigan Business Acquisition Financing
When you identify the right Michigan business acquisition opportunity, financing certainty becomes critical competitive advantage. Confident offers backed by structured financing and lender relationships close transactions while competitors struggle with capital uncertainty and extended bank processes.
Three Ways to Connect:
Call Michigan Business Acquisition Specialists
(855) 998-5874
Direct line to acquisition financing experts
Monday-Friday, 9:00am-6:00pm EST
Submit Online Application
Complete Acquisition Financing Application →
Receive preliminary assessment and lender options within 24-48 hours
Email Acquisition Details
info@lvrgllc.com
Send transaction summary for 24-hour response
About LVRG Business Funding
LVRG Business Funding specializes in Michigan business acquisition financing through SBA 7(a) and 504 loan programs. Headquartered in Detroit, we connect qualified Michigan buyers throughout Metro Detroit, Grand Rapids, Ann Arbor, Lansing, and all markets statewide with institutional lenders maintaining active acquisition financing capabilities and proven track records closing complex business purchase transactions.
Over 20 years, LVRG has facilitated more than $1 billion in business financing nationwide, with concentrated focus on Michigan business acquisitions across manufacturing, construction, professional services, distribution, business services, and food service sectors.
We understand Michigan business acquisition dynamics, transaction structuring, valuation methodologies, transition planning, and institutional underwriting requirements. Our mission: provide every qualified Michigan buyer pursuing growth through acquisition with expert financing guidance, strategic lender access, and professional transaction execution.
LVRG Business Funding
615 Griswold St, Suite 700
Detroit, MI 48226
Serving Michigan Business Buyers:
Metro Detroit | Grand Rapids | Ann Arbor | Lansing | Flint | Kalamazoo | Traverse City | All Michigan Markets