LVRG Business Funding is Michigan's premier business loan authority and direct lender, headquartered in downtown Detroit. Founded in 2000 by Charles M. Barr, LVRG has deployed over $1 billion in financing to more than 10,000 established businesses across Michigan and nationwide. We are a boutique financing firm with direct lending capabilities and strategic partnerships with institutional banks, giving us the capacity to deploy $50,000 to $50 million across a full spectrum of financing solutions including working capital, SBA 7(a) and 504 loans, equipment financing, commercial real estate funding, and business acquisition loans. What sets LVRG apart is our relational approach—we're not transactional lenders. We focus on building long-term partnerships with Michigan business owners, providing fast decisions, transparent terms, and strategic capital solutions tailored to each company's unique needs. With 20+ years of experience funding Michigan businesses, LVRG has become the go-to business financing authority for established companies seeking growth capital throughout the state.

Charles M. Barr is the Founder and CEO of LVRG Business Funding, and he is recognized as one of Michigan's leading business finance experts. For over two decades, Charles has been the strategic financing partner that established business owners turn to when they're ready to accelerate growth. He founded LVRG with one clear purpose: to help ambitious Michigan business owners access the strategic capital they need to seize opportunities and drive growth. Charles has personally facilitated over $1 billion in financing to more than 10,000 businesses nationwide, with a particular focus on Michigan companies. His approach has always been grounded in integrity and transparency, and he is known for building partnerships that extend far beyond the initial transaction. Charles believes in thinking like a business owner, not a lender, which is why LVRG clients stay with the company for years. Those who know Charles often describe him as authentic, trustworthy, and humble—qualities that shape every interaction and partnership at LVRG. Beyond business, Charles is deeply committed to giving back through organizations like the American Foundation for Suicide Prevention, Make-A-Wish Foundation, and St. Jude. He is also an accomplished athlete with national rankings in tennis and professional experience in international squash.

LVRG Business Funding is headquartered in downtown Detroit, Michigan. While our main office is in Detroit, many of our team members live throughout the Detroit metropolitan area and Michigan suburbs, which gives us deep connections to the communities we serve. We frequently work with businesses in Detroit, Grand Rapids, Ann Arbor, Lansing, Flint, Sterling Heights, Dearborn, Troy, Farmington Hills, Novi, Southfield, Kalamazoo, and all cities across Michigan. Our physical presence in Detroit combined with our statewide relationships means we understand Michigan business owners' unique challenges and opportunities. Although we're based in Michigan and specialize in Michigan business loans, LVRG also has nationwide lending capabilities and can fund established businesses in all 50 states. However, our primary focus and expertise is serving Michigan companies, which is why we've branded ourselves as Michigan's business loan authority.

LVRG Business Funding was founded in 2000 by Charles M. Barr, which means we have over 20 years of experience providing business financing to Michigan companies and businesses nationwide. During these two decades, LVRG has deployed more than $1 billion in capital to over 10,000 established businesses. Our longevity in the industry is a testament to our commitment to integrity, transparency, and delivering results for our clients. Unlike many lenders who come and go, LVRG has built lasting relationships with Michigan business owners, helping them through multiple financing needs over the years as their companies grow and evolve. Our 20+ year track record means we've funded businesses through various economic cycles, including the 2008 financial crisis and the COVID-19 pandemic, demonstrating our stability and reliability as a financing partner.

LVRG stands apart from other Michigan business lenders in several critical ways. First, we are a direct lender with our own capital, not just a broker or intermediary. This means faster decisions and more flexibility in structuring deals. Second, we combine boutique, personalized service with institutional capacity—we can deploy anywhere from $50,000 to $50 million depending on the need. Third, we focus on relationships, not transactions. While many lenders view each deal as a one-time event, LVRG builds long-term partnerships with Michigan business owners, often funding multiple projects over many years. Fourth, our deep Michigan roots and 20+ years of local market knowledge mean we understand the unique challenges and opportunities facing Michigan businesses better than national lenders or online platforms. Fifth, we offer speed and agility that traditional banks can't match—some of our deals fund within 24-48 hours, while others requiring SBA approval are completed in 30-45 days, significantly faster than typical timelines. Finally, we provide true consultative guidance, helping business owners think through their capital strategy rather than just pushing products. Our reputation wasn't built through advertising—it was earned by consistently doing what we said we'd do, deal after deal, year after year.

LVRG Business Funding has facilitated and deployed over $1 billion in financing since our founding in 2000. This capital has been distributed to more than 10,000 established businesses across Michigan and nationwide. Our typical deal sizes range from $50,000 to $50 million depending on the type of financing and the business need. For working capital and revenue-based financing, we typically fund between $25,000 and $1.5 million. For SBA loans, commercial real estate financing, and business acquisitions, our deals typically range from $500,000 to $15 million. For equipment financing, we can arrange loans and leases from $100,000 to over $50 million for large projects. The billion-dollar milestone represents not just transaction volume, but thousands of Michigan businesses that have been able to grow, expand, hire employees, purchase equipment, acquire facilities, and capitalize on opportunities because they had access to strategic capital when timing mattered.

LVRG Business Funding has assembled a team of experienced business finance professionals who are dedicated to helping Michigan business owners access capital and grow their companies. The leadership team includes Charles M. Barr (Founder & CEO), Darlene Barbat (Chief Growth Officer), Morgan Kennedy (Relationship Manager with 15 years at LVRG), Lilly Harper (New Client Success Manager), Michael Reed (Senior Funding Strategist with 20+ years in small business lending), Lisa Carter (Director of Business Development with 18+ years in financial services), Daniel Owens (Head of Underwriting with 15 years experience), and Megan Foster (Senior Loan Advisor with 12+ years in alternative lending). Each team member brings specialized expertise in different aspects of business financing, from revenue-based lending to SBA loans to commercial real estate financing. What makes the LVRG team unique is their genuine commitment to client success—they work directly with business owners, providing hands-on support and customized funding solutions rather than operating as a faceless call center pushing one-size-fits-all products.

LVRG Business Funding offers a comprehensive range of business financing solutions for Michigan companies. Our primary loan products include: (1) Working Capital & Growth Financing—revenue-based financing and working capital loans from $25,000 to $1.5 million for immediate growth opportunities, inventory, payroll, and operational needs; (2) SBA 7(a) and 504 Loans—government-backed financing from $500,000 to $15 million for working capital, equipment, commercial real estate, business acquisitions, and partner buyouts; (3) Commercial Real Estate Financing—owner-occupied property purchases and refinancing with conventional and SBA options, deal sizes $500,000 to $15 million; (4) Equipment Financing—loans and leases from $100,000 to over $50 million for construction, manufacturing, medical, agriculture, transportation, and industrial equipment; (5) Business Acquisition Loans—financing to purchase businesses, buyout partners, or acquire competitors, typically $500,000 to $15 million; (6) Cash Flow & Revenue-Based Financing—flexible funding based on business revenue rather than credit scores, $25,000 to $1.5 million; and (7) Commercial Lines of Credit—revolving credit facilities for ongoing working capital needs. Each financing solution can be customized to match the specific needs, cash flow patterns, and growth objectives of Michigan businesses across all industries.

LVRG's funding timeline varies depending on the type of financing and complexity of the deal. For working capital and revenue-based financing, most businesses receive funding within 24 to 48 hours after approval, making these our fastest options for Michigan companies needing immediate capital. Cash flow loans and short-term business loans typically fund within 2-5 business days. Equipment financing deals usually close within 5-10 business days depending on equipment type and documentation. For SBA 7(a) and 504 loans, which require government approval, LVRG typically achieves funding in 30-45 days, which is significantly faster than the typical 60-90 day timeline most lenders experience. Commercial real estate financing timelines depend on property type and whether it's SBA or conventional, but typically range from 30-60 days. Business acquisition loans vary widely based on deal complexity but usually close within 45-60 days. What sets LVRG apart is our ability to move quickly when timing matters—we have funded same-day working capital deals for Michigan businesses that needed to seize immediate opportunities. Our direct lending capabilities and experienced underwriting team mean we can make decisions faster than banks or brokers who need multiple approval layers.

LVRG's qualification requirements vary by loan type, but generally we work with established Michigan businesses that meet these criteria: The business must be generating at least $50,000+ per month in consistent revenue with a minimum of 6 months of operating history (some loan products require 2+ years). The business should be profitable or have strong cash flow demonstrating ability to service debt. Business owners typically need a personal credit score of 600+ for working capital products, and 650+ for SBA loans and commercial real estate financing. The business must be a for-profit entity (not a nonprofit) and be at least 51% owned by U.S. citizens or legal permanent residents. The business should not have excessive existing debt or prior loan defaults that haven't been resolved. For SBA loans specifically, the business needs to demonstrate community benefit and job creation potential. For commercial real estate financing, we typically require owner-occupancy of at least 51% of the property. LVRG evaluates each Michigan business holistically, looking at operational performance, revenue consistency, industry dynamics, and growth trajectory rather than just credit scores. We work with businesses across all industries including construction, manufacturing, restaurants, retail, healthcare, professional services, and more. Even if a business doesn't meet traditional bank requirements, LVRG's flexible underwriting approach often allows us to structure financing solutions that work.

LVRG Business Funding specializes in financing established businesses rather than startups. Our focus is on companies that have proven their business model, generated consistent revenue, and are ready to scale or capitalize on growth opportunities. Generally, we require businesses to have at least 6 months of operating history with consistent revenue of $50,000+ per month, though most of our clients have been operating for 2+ years. This focus on established businesses is intentional—we fund growth, not survival. Startups face different challenges and typically need different types of capital (venture capital, angel investors, or startup-specific programs) than what LVRG provides. However, for Michigan business owners who are in the startup phase, we're happy to provide consultative guidance on alternative financing sources and can revisit the conversation once the business has established operating history and consistent revenue. Our sweet spot is working with Michigan companies that have proven themselves and are ready to accelerate growth with strategic capital.

LVRG Business Funding works with Michigan businesses across virtually every industry. Our most common industries include: construction and skilled trades (general contractors, electrical contractors, plumbing, roofing, concrete, asphalt, excavating, landscaping), manufacturing operations (fabrication shops, tool and die, production facilities, automotive suppliers), restaurants and food service, retail operations (liquor stores, gas stations, convenience stores, specialty retail), professional services, healthcare practices (medical, dental, veterinary), automotive businesses, hospitality and lodging, transportation and logistics, agriculture and farming, technology companies, and franchises. LVRG has particular expertise funding Michigan's manufacturing sector given the state's industrial heritage, as well as deep experience with construction trades and retail operations throughout Metro Detroit and statewide. What matters most to LVRG is not the specific industry, but rather the business's operational performance, revenue consistency, and growth trajectory. We've funded businesses from nearly every sector and understand the unique cash flow patterns, seasonal considerations, and capital needs of different industries.

SBA loans are government-backed financing solutions where the Small Business Administration guarantees a portion of the loan, enabling banks and lenders to provide longer terms and more competitive rates than conventional business loans. The SBA doesn't lend money directly—instead, approved lenders like LVRG originate and service the loans while the SBA provides a guarantee that reduces the lender's risk. This government backing translates into better terms for qualified Michigan businesses. The two primary SBA programs are the 7(a) loan and the 504 loan. SBA 7(a) loans are the most versatile, offering up to $5 million for working capital, business acquisitions, real estate purchases, equipment financing, or debt consolidation with terms up to 25 years. SBA 504 loans focus specifically on real estate and equipment purchases, offering fixed rates and longer terms with lower down payments than conventional commercial loans. Current SBA rates typically range from 10.5% to 15.5% depending on loan size, term, and business strength, with the prime rate serving as the base. The extended repayment terms (up to 25 years) make monthly payments manageable while funding substantial growth initiatives. SBA loans are ideal for established Michigan businesses making significant capital investments in real estate, equipment, or acquisitions where long-term financing makes strategic sense.

LVRG typically achieves SBA loan approval and funding in 30-45 days for Michigan businesses, which is significantly faster than the typical 60-90 day timeline most lenders experience. The process involves several stages: initial consultation and documentation review (3-5 days), formal application submission (1-2 days), underwriting and business analysis (7-10 days), SBA processing and approval (14-21 days), and final closing and funding (3-5 days). Several factors can accelerate or delay the timeline: businesses with complete, organized financial documentation move faster; SBA Preferred Lenders like LVRG can often expedite processing; complex deals with multiple real estate parcels or unusual structures take longer; and peak application periods (year-end, post-tax season) sometimes cause processing delays. What makes LVRG efficient is our experienced team's ability to package applications properly the first time, reducing back-and-forth with the SBA. We manage the process proactively, keep clients informed at every stage, and work to minimize disruption to daily business operations. While SBA loans aren't same-day funding like working capital products, they're often worth the wait for Michigan businesses making major investments where the long-term, fixed-rate financing provides strategic value.

SBA loans offer Michigan businesses tremendous flexibility in how funds can be used. SBA 7(a) loans can be used for: working capital to support ongoing operations, purchasing equipment and machinery, buying commercial real estate (owner-occupied), financing business acquisitions (buying existing businesses), partner or shareholder buyouts, refinancing existing business debt under certain conditions, renovating or improving business facilities, purchasing inventory, and financing franchise opportunities. SBA 504 loans are more restrictive and focus on: purchasing owner-occupied commercial real estate, construction of new facilities, purchasing heavy equipment and machinery, modernizing or renovating existing facilities, and purchasing land for business use. Both programs require the business to demonstrate that the financing will support business growth, job creation, and community benefit. SBA loans cannot be used for: speculative real estate investment, passive income properties where the business doesn't occupy the space, refinancing debt where the lender would profit unfairly, or businesses engaged in certain restricted activities. For Michigan businesses making major capital investments in real estate, equipment, or acquisitions, SBA financing often provides the best combination of loan amount, interest rate, and repayment terms available.

SBA loans offer Michigan businesses several strategic advantages over conventional financing: (1) Longer repayment terms—up to 25 years for real estate and 10 years for equipment, compared to 5-7 years for conventional loans, resulting in lower monthly payments and improved cash flow; (2) Lower down payments—SBA 504 loans require as little as 10% down on commercial real estate versus 20-30% for conventional financing, preserving working capital; (3) Fixed interest rates—most SBA loans offer fixed rates, providing payment predictability and protection against rate increases; (4) Larger loan amounts—up to $5 million for 7(a) loans, enabling bigger projects than many conventional options; (5) More flexible qualification criteria—the SBA guarantee allows lenders to approve businesses that might not qualify for conventional bank loans; (6) No prepayment penalties—most SBA loans allow early payoff without fees; and (7) Builds business credit—successfully managing an SBA loan strengthens a company's credit profile for future financing needs. For established Michigan businesses making significant investments in growth, acquisitions, or real estate, SBA financing often provides better terms than any alternative. LVRG's expertise in SBA lending means we can help Michigan businesses navigate the process efficiently and secure the most favorable terms available.

Working capital financing provides Michigan businesses with funds for day-to-day operations and short-term obligations. It bridges the gap between when you pay for expenses and when customers pay you. Working capital is essential because business expenses come before revenue—you pay for materials before jobs are complete, stock inventory before customers buy it, and meet payroll regardless of when invoices are paid. This timing mismatch creates constant pressure on business owners. Michigan businesses typically need working capital financing when: facing seasonal revenue fluctuations (construction businesses in winter, retailers during slow months), managing rapid growth where revenue increases but cash is tied up in inventory and receivables, seizing immediate opportunities like bulk purchase discounts or time-sensitive contracts, covering unexpected expenses or equipment repairs, smoothing cash flow gaps between project milestones, managing slow-paying customers while maintaining operations, or preparing for peak seasons that require inventory build-up. LVRG provides working capital financing from $25,000 to $1.5 million for Michigan businesses, with funding typically within 24-48 hours of approval. This type of financing focuses on operational needs rather than long-term investments, giving businesses the financial flexibility to operate strategically rather than reactively.

Revenue-based financing (RBF) differs from traditional loans in several fundamental ways. Traditional loans require fixed monthly payments regardless of business performance, typically require strong credit scores and collateral, involve lengthy approval processes, and base decisions primarily on credit history. Revenue-based financing, in contrast, structures repayment as a percentage of future revenue—businesses repay more during strong sales months and less during slow periods, creating natural cash flow alignment. RBF typically focuses on business performance and revenue consistency rather than credit scores, funds within 24-48 hours rather than weeks or months, and requires minimal documentation (usually just bank statements showing revenue). For Michigan businesses with strong revenue but perhaps imperfect credit, seasonal cash flow patterns, or urgent timing needs, revenue-based financing often makes more sense than traditional loans. LVRG specializes in RBF for Michigan companies generating consistent monthly revenue of $50,000+, providing $25,000 to $1.5 million with flexible repayment that moves with the business's revenue cycles. This type of financing is particularly popular with restaurants, retail operations, service businesses, and companies experiencing rapid growth where traditional banks might be too slow or too rigid.

LVRG's working capital loan approval process for Michigan businesses is designed for speed and simplicity. Step 1: Quick online application (5 minutes)—basic business information, revenue details, and funding needs. No credit check at this stage. Step 2: Initial consultation (same day)—LVRG specialist reviews application and discusses your business situation, cash flow patterns, and funding objectives. Step 3: Documentation submission (1-2 days)—typically requires 3-6 months of business bank statements, and possibly tax returns or financial statements for larger amounts. Step 4: Underwriting and evaluation (4-24 hours)—LVRG analyzes revenue consistency, cash flow patterns, and business performance rather than just credit scores. Step 5: Approval and offer (same day to 24 hours)—receive clear funding options with transparent terms, rates, and repayment structure. Step 6: Final acceptance and funding (24-48 hours)—sign documents electronically and receive funds via ACH direct deposit to your business account. The entire process from application to funding typically takes 24-48 hours for straightforward deals. LVRG can move even faster when timing is critical—some Michigan businesses have received same-day approval and funding when opportunities required immediate action. What matters most is consistent revenue and business performance rather than perfect credit.

LVRG finances virtually every type of business equipment Michigan companies need. Construction equipment: excavators, bulldozers, backhoes, loaders, dump trucks, concrete mixers, cranes, scaffolding, compactors, and paving equipment. Manufacturing equipment: CNC machines, lathes, mills, welding equipment, fabrication tools, assembly lines, robotics, quality control systems, and packaging equipment. Medical equipment: diagnostic imaging (MRI, CT, X-ray), dental chairs and tools, surgical equipment, laboratory equipment, and medical office furniture. Agriculture equipment: tractors, combines, harvesters, irrigation systems, storage facilities, and processing equipment. Transportation: commercial trucks, trailers, delivery vehicles, and fleet vehicles. Restaurant and food service: commercial kitchens, ovens, refrigeration, food preparation equipment, and point-of-sale systems. Technology: servers, computers, networking equipment, and specialized software systems. Office equipment: furniture, phone systems, and productivity tools. LVRG can arrange equipment financing from $100,000 to over $50 million for large projects, with both loan and lease options available. Equipment financing is advantageous because it preserves working capital, often offers tax benefits through depreciation, and matches the payment term to the equipment's useful life.

The lease-versus-purchase decision for Michigan businesses depends on several factors. Equipment loans (financing to own) make sense when: the equipment has a long useful life and will be used for many years, you want to build equity and own the asset, the equipment is essential to core operations, tax benefits of depreciation are valuable to your business, or you plan to use the equipment beyond the typical 5-7 year loan term. Equipment leasing makes sense when: technology changes rapidly and you want flexibility to upgrade, you want to preserve capital and maintain flexibility, you prefer predictable fixed payments with possible tax advantages, the equipment may become obsolete before its useful life ends, or you want to try equipment before committing to ownership. For Michigan manufacturers and construction companies, purchasing equipment often makes strategic sense because the machinery has long useful life and builds balance sheet equity. For technology companies or businesses in rapidly evolving industries, leasing may offer more flexibility. LVRG works with Michigan businesses to evaluate their specific situation—cash flow patterns, tax position, equipment type, and business strategy—to recommend whether equipment financing or leasing makes more sense. We can structure either option with terms from 2 to 7 years depending on the equipment type and business needs.

Owner-occupied commercial real estate (CRE) financing allows Michigan businesses to purchase the property where they operate rather than renting from a landlord. "Owner-occupied" means the business owns the real estate and uses at least 51% of the space for its own operations (some lenders require higher occupancy percentages). This type of financing is ideal for Michigan businesses that: want to build equity rather than pay rent, need to customize facilities for specific operations, want stable occupancy costs rather than escalating rents, see real estate as a long-term investment and business asset, or operate in properties with limited lease options. LVRG provides owner-occupied CRE financing through both SBA 504 loans and conventional commercial mortgages, with deal sizes typically ranging from $500,000 to $15 million. SBA 504 loans are particularly attractive for owner-occupied real estate because they require lower down payments (as little as 10% versus 20-30% conventional), offer long-term fixed rates (10, 20, or 25 years), and provide favorable terms for businesses that might not qualify for conventional financing. Owner-occupied CRE financing covers: purchasing existing buildings, constructing new facilities, renovating or expanding existing properties, and refinancing to pull out equity for business growth. For established Michigan businesses with stable operations, owning your facility often makes strategic sense.

Down payment requirements for Michigan commercial real estate vary significantly depending on the financing type. SBA 504 loans require the lowest down payments—typically just 10% of the total project cost for standard businesses, though some businesses (startups, special purpose properties, or higher-risk situations) may require 15-20% down. Conventional commercial mortgages typically require 20-30% down, with the exact amount depending on the business's strength, property type, and lender requirements. For example, a $1 million commercial property purchase would require: $100,000 down with SBA 504 financing, or $200,000-$300,000 down with conventional financing. The advantage of SBA 504 loans is that lower down payments preserve working capital for Michigan businesses—that extra $100,000-$200,000 can be used for equipment, inventory, hiring, or other growth initiatives rather than being tied up in the property purchase. LVRG structures owner-occupied CRE financing to balance down payment requirements with the business's cash flow capabilities and growth plans. We work with Michigan businesses to determine the optimal financing structure—whether SBA 504, conventional, or a hybrid approach—based on their specific situation, property type, and strategic objectives.

LVRG finances a wide range of commercial real estate properties for Michigan businesses. Office buildings: professional office spaces, medical and dental offices, corporate headquarters, and multi-tenant office buildings where the business occupies the majority. Industrial properties: manufacturing facilities, warehouses, distribution centers, flex space, and industrial complexes. Retail properties: standalone retail buildings, strip centers where the business operates a store, auto dealerships, restaurants, and mixed-use properties with retail space. Special purpose properties: auto repair shops, car washes, gas stations with owner-operated convenience stores, self-storage facilities (where the business manages), veterinary clinics, and daycare facilities. Mixed-use properties: buildings combining commercial operations on the ground floor with offices or other business use above. The key requirement is that the business must occupy and use at least 51% of the property for its own operations—this is the "owner-occupied" standard that SBA and most commercial lenders require. LVRG does not typically finance pure investment properties (where the business doesn't occupy the space) or residential real estate. For Michigan businesses purchasing facilities they will actually use for operations, LVRG can arrange financing from $500,000 to $15 million with competitive terms through SBA 504 programs or conventional commercial mortgages.

Yes, LVRG specializes in business acquisition financing for Michigan companies. Whether you're buying an existing business, acquiring a competitor, buying out a partner, or merging with another company, LVRG can structure financing from $500,000 to $15 million to make the acquisition happen. Business acquisition financing through LVRG typically uses SBA 7(a) loans, which are ideal for acquisitions because they offer: up to $5 million in financing, terms up to 10 years (25 years if the acquisition includes real estate), competitive fixed rates, and minimal down payment requirements (often 10-20% depending on the deal structure). The SBA 7(a) program is specifically designed to facilitate business ownership transitions and has helped thousands of entrepreneurs acquire established businesses. LVRG evaluates acquisition financing based on: the target business's financial performance and stability, the buyer's experience and industry knowledge, the strategic rationale for the acquisition, the purchase price relative to the business's value and cash flow, and the combined entity's ability to service the acquisition debt. Common acquisition scenarios LVRG finances in Michigan include: buying an existing business to become an owner-operator, acquiring a competitor to gain market share, buying out a retiring owner or partner, consolidating multiple locations or franchises, and management buyouts where key employees purchase the company. The acquisition financing process typically takes 45-60 days from initial approval to closing.

The business acquisition financing process through LVRG involves several coordinated steps. Step 1: Initial consultation—discuss the acquisition opportunity, your experience, why you're pursuing this business, and preliminary financial review. Step 2: Letter of Intent (LOI)—you'll need an accepted LOI or purchase agreement with the seller showing the proposed terms, price, and structure. Step 3: Due diligence—comprehensive review of the target business's financials (3+ years of tax returns, P&L statements, balance sheets), operational aspects (customer concentration, lease terms, key employees), and legal matters (liens, litigation, compliance). Step 4: Business valuation—assessment of whether the purchase price is justified by the business's cash flow, assets, and market position. Step 5: Buyer qualification—evaluation of your creditworthiness, industry experience, business plan, and down payment capability. Step 6: Financing structure—LVRG determines optimal loan structure, terms, and conditions based on the business, buyer, and deal specifics. Step 7: Formal application and underwriting—complete documentation submission and detailed analysis (typically 2-3 weeks). Step 8: SBA approval (if applicable)—government processing and approval (typically 2-3 weeks). Step 9: Closing preparation—coordinate with attorneys, accountants, seller, and all parties to prepare closing documents. Step 10: Closing and funding—final signatures, transfer of ownership, and disbursement of acquisition funds. LVRG manages this process proactively, coordinating with all parties to ensure smooth transitions and timely closings. The typical timeline from initial consultation to closing is 45-60 days for straightforward acquisitions.

Absolutely. LVRG has deep expertise financing Michigan manufacturing businesses, which makes sense given Michigan's rich industrial heritage and strong manufacturing sector. We provide several types of financing for Michigan manufacturers: equipment financing for machinery, CNC equipment, fabrication tools, robotics, and production equipment ($100,000 to $50M+); working capital for raw materials, inventory, labor costs, and operational needs ($25,000 to $1.5M); commercial real estate financing for purchasing or expanding manufacturing facilities ($500,000 to $15M); SBA loans for long-term growth capital, equipment, or facility investments ($500,000 to $5M); and business acquisition loans for manufacturers acquiring competitors or consolidating operations. Michigan manufacturers face unique challenges including cyclical demand, capital intensity, skilled labor needs, and global competition. LVRG understands these dynamics and structures financing solutions that account for manufacturing cash flow patterns, seasonal fluctuations, and growth trajectories. We've funded manufacturers in automotive supply, tool and die, metal fabrication, plastics, food processing, packaging, and numerous other sectors. Whether a Michigan manufacturer needs equipment financing to modernize production, working capital to fulfill large orders, or real estate financing to expand facilities, LVRG has the experience and capacity to provide strategic capital solutions.

Yes, LVRG frequently finances Michigan restaurants and food service businesses. Restaurants have unique financing needs due to thin margins, seasonal fluctuations, high labor costs, and the capital-intensive nature of kitchen equipment and build-outs. LVRG provides: working capital and cash flow financing for inventory, payroll, supplies, and seasonal needs ($25,000 to $1.5M with 24-48 hour funding); equipment financing for commercial kitchens, ovens, refrigeration, furniture, and POS systems ($100,000 to $1M+); SBA loans for restaurant build-outs, purchasing existing restaurants, or franchise opportunities ($500,000 to $5M); and commercial real estate financing for purchasing restaurant properties ($500,000 to $15M). LVRG understands restaurant operations, cash flow patterns, and the specific challenges Michigan restaurant owners face. We evaluate restaurants based on revenue consistency, location quality, concept strength, and operational track record rather than just credit scores. Whether you're a Michigan restaurateur needing to smooth cash flow during slow months, finance a new location, purchase equipment for expansion, or acquire an existing restaurant, LVRG can structure appropriate financing. We work with independent restaurants, multi-unit operators, and franchises across casual dining, fast-casual, quick-service, and fine dining concepts.

Yes, construction and skilled trades companies represent a significant portion of LVRG's Michigan business. Construction businesses face unique challenges including project-based revenue, seasonal fluctuations, equipment intensity, bonding requirements, and cash flow gaps between project milestones and payment. LVRG provides several financing solutions for Michigan construction companies: working capital for materials, labor, and project startup costs ($25,000 to $1.5M); equipment financing for heavy equipment, trucks, tools, and machinery ($100,000 to $50M+); bonding line support to help secure performance and payment bonds for larger projects; SBA loans for long-term growth capital and equipment ($500,000 to $5M); and commercial real estate financing for purchasing shop facilities, warehouses, or yards ($500,000 to $15M). We work with general contractors, electrical contractors, plumbing companies, roofing specialists, concrete contractors, asphalt companies, excavating companies, landscaping businesses, flooring contractors, painting companies, and virtually every construction trade. LVRG understands construction cash flow—the challenges of managing receivables, retainage, and the timing mismatch between project expenses and payment. We structure financing solutions that account for seasonal patterns and project-based revenue cycles that are normal in Michigan's construction industry.

Yes, LVRG has extensive experience financing Michigan retail businesses including liquor stores, gas stations, convenience stores, and specialty retail operations. Retail businesses have specific financing needs related to inventory management, seasonal demand, and often, real estate ownership. LVRG provides: working capital for inventory purchases, seasonal stock-up, and operational needs ($25,000 to $1.5M); equipment financing for coolers, fuel pumps, POS systems, and fixtures ($100,000 to $1M+); commercial real estate financing for purchasing store properties (up to $20M for larger projects including SBA 7(a), SBA 504, and conventional CRE financing); and business acquisition loans for buying existing retail operations ($500,000 to $15M). Michigan retail businesses, particularly liquor stores and gas stations, are often neighborhood staples with consistent cash flow but unique financing needs. LVRG understands retail operations, inventory cycles, and the importance of location to retail success. We structure financing based on revenue consistency and business performance rather than requiring perfect credit scores. Whether you're a Michigan retailer needing working capital to stock up for peak seasons, financing to purchase your store location, equipment financing for coolers and displays, or acquisition financing to buy an existing retail business, LVRG has solutions tailored to retail operations.

LVRG differs from traditional banks in several important ways that benefit Michigan business owners. Speed: LVRG can fund working capital loans in 24-48 hours and SBA loans in 30-45 days, compared to banks that often take weeks for simple loans and 60-90+ days for SBA loans. Flexibility: LVRG evaluates businesses holistically based on performance and cash flow, while banks rely heavily on credit scores, collateral, and rigid underwriting boxes. Decision-making: LVRG's team has direct authority to approve loans, while bank loan officers must navigate multiple committee approvals. Relationship approach: LVRG builds long-term partnerships and provides consultative guidance, while many banks view lending as transactional. Range of solutions: LVRG offers everything from working capital to SBA loans to equipment financing through one relationship, while banks often have separate departments that don't communicate well. Documentation: LVRG's streamlined process requires less paperwork and moves faster, while banks often request excessive documentation and move slowly. Industry expertise: LVRG understands Michigan business dynamics and industry-specific challenges, while many bank lenders lack hands-on business experience. For Michigan businesses that value speed, flexibility, and a true partnership approach rather than bureaucracy, LVRG offers a better financing experience than traditional banks while often providing better terms and larger amounts than online lenders.

While both LVRG and online lenders offer faster approval than banks, there are significant differences. Relationship: LVRG provides personal, consultative service with experienced business finance professionals, while online lenders are typically automated platforms with minimal human interaction. Loan amounts: LVRG can provide from $50,000 to $50 million depending on the need, while most online lenders cap at $250,000-$500,000. Loan types: LVRG offers comprehensive solutions including SBA loans, commercial real estate financing, equipment financing, and large-scale funding that online lenders can't provide. Rates and terms: LVRG's rates are typically more competitive, especially for larger amounts and longer terms, while online lenders often charge significantly higher rates due to their business model. Underwriting: LVRG evaluates businesses strategically and can structure creative solutions, while online lenders use algorithmic underwriting that lacks flexibility. Local expertise: LVRG understands Michigan business dynamics, economic conditions, and industry-specific challenges, while online lenders take a generic nationwide approach. Long-term partnership: LVRG builds relationships that grow with your business over many years, while online lenders focus on individual transactions. For small, short-term working capital needs, online lenders may be convenient. But for Michigan businesses needing substantial capital, strategic guidance, competitive terms, or relationship-based lending, LVRG offers superior value and service.

Michigan businesses choose LVRG over other lenders for several compelling reasons. Track record: 20+ years in business, $1 billion+ deployed, 10,000+ businesses funded demonstrates stability and expertise. Michigan expertise: Based in Detroit with deep understanding of Michigan business dynamics, economic conditions, and industry-specific challenges. Direct lending capability: LVRG has its own capital plus institutional partnerships, meaning faster decisions and more flexibility than brokers. Range and capacity: $50,000 to $50 million capacity across all loan types means one lender for all your needs as you grow. Speed: Same-day to 48-hour funding for working capital; 30-45 days for SBA loans (faster than competitors). Relationship approach: Personal service from experienced professionals who know your business and industry. Strategic guidance: Consultative approach helping you think through capital strategy, not just pushing products. Proven results: Reputation earned through consistent delivery, not advertising. Transparent terms: No hidden fees, no surprises—clear, honest communication throughout. For Michigan business owners who want a financing partner that combines boutique service with institutional capacity, proven expertise with innovative solutions, and speed with transparency, LVRG is the clear choice. Our reputation as Michigan's business loan authority wasn't bought—it was earned deal after deal, year after year.

Applying for business financing with LVRG is straightforward. Online application: Visit lvrgllc.com and complete our quick online application (takes about 5 minutes). Provide basic information about your business, revenue, and funding needs. No credit check at this stage. Phone consultation: Call LVRG directly at (855) 998-5874 to speak with a funding specialist who can discuss your needs and recommend appropriate solutions. Email inquiry: Contact us through our website contact form or email directly to start a conversation. Initial consultation: After receiving your application or inquiry, an LVRG specialist will contact you (typically within hours) to discuss your situation, understand your business, and explain options. Documentation: Based on the financing type, you'll provide business bank statements, tax returns, financial statements, or other documentation. Simple deals may only need bank statements; larger or more complex financing requires more detail. Evaluation and offer: LVRG's team evaluates your business and provides clear funding options with transparent terms. Final approval and funding: After accepting an offer, complete any final documentation and receive funds via direct deposit. The entire process from application to funding ranges from 24 hours for working capital to 30-45 days for SBA loans. LVRG makes the process as simple and fast as possible while maintaining thorough underwriting standards.

Required documentation varies by loan type and amount, but here's what Michigan businesses typically need: For working capital and revenue-based financing ($25K-$1.5M): 3-6 months of business bank statements showing revenue deposits, voided check for ACH funding, and basic business information (EIN, formation documents). For SBA loans ($500K-$5M): Last 3 years of business tax returns (including all schedules), last 3 years of personal tax returns for owners with 20%+ ownership, year-to-date profit and loss statement and balance sheet, 3 months of business bank statements, business debt schedule (list of all current business debts), personal financial statement for guarantors, business plan or narrative explaining the use of funds, and business formation documents (articles of incorporation, operating agreement). For commercial real estate financing: All of the above SBA documents, plus property information (address, purchase agreement, appraisal if available), property insurance quote, and environmental Phase I assessment (for some properties). For equipment financing: Equipment quote or invoice showing details and pricing, 3-6 months of bank statements, and possibly tax returns for larger amounts. For business acquisitions: All SBA loan documents plus target business financials (3 years tax returns, current P&L), purchase agreement or letter of intent, seller financing terms if applicable, and your business plan for operating the acquired business. LVRG's team guides Michigan business owners through the documentation process, helping you gather what's needed and explaining why each document matters.

Yes, LVRG offers pre-qualification for Michigan businesses to understand financing options before committing to a full application. Pre-qualification is a quick, preliminary evaluation based on basic information: business revenue, time in business, credit score range (no hard credit pull), and general use of funds. Benefits of pre-qualification: Understand loan amounts you likely qualify for, see estimated rates and terms, no impact on credit score, helps you plan before committing to a property purchase or acquisition, and clarifies documentation requirements for full approval. To get pre-qualified, visit lvrgllc.com/pre-qualify or call LVRG at (855) 998-5874. The process takes 15-30 minutes and provides valuable information about your financing options. Pre-qualification is especially useful for Michigan businesses considering major decisions like real estate purchases, equipment investments, or business acquisitions where understanding financing availability and terms is important before proceeding. While pre-qualification doesn't guarantee final approval (which requires full documentation and underwriting), it provides a reliable indication of what financing options are available and helps you move forward with confidence.

Business loan interest rates vary significantly based on loan type, amount, term, business strength, and credit profile. Working capital and revenue-based financing: Typically structured with factor rates rather than traditional APR, generally equivalent to 15-40% APR depending on amount, term, and business risk. Rates are higher because these are short-term, unsecured, fast-funding products. SBA 7(a) loans: Currently range from 10.5% to 15.5% over the prime rate (which is 7.5% as of July 2025), so total rates generally 10.5-15.5% fixed. Exact rate depends on loan amount (loans over $50K have different rates than under $50K) and term length. SBA 504 loans: Fixed rates for 10, 20, or 25-year terms, currently ranging from 10-14% depending on term and market conditions. Equipment financing: Typically 8-18% depending on equipment type, amount, business strength, and whether it's a loan or lease structure. Commercial real estate (conventional): Typically 7-12% depending on loan-to-value, property type, business strength, and term length. Business acquisition loans: Usually follow SBA 7(a) rates (10.5-15.5%) since most acquisitions use SBA financing. It's important to compare total cost of capital, not just rate—a 15% SBA loan with a 25-year term often costs less monthly and has better total economics than a 10% conventional loan with a 5-year term. LVRG provides transparent rate information upfront so Michigan businesses can make informed decisions.

Yes, like all business financing, LVRG loans include various fees depending on the loan type. Working capital and revenue-based financing: Typically includes an origination fee (1-5% of loan amount) which may be built into the total repayment amount. No separate closing costs or application fees in most cases. SBA loans: SBA guarantee fee (0.5-3.75% depending on loan amount), packaging fee for preparing SBA application (typically $3,000-$5,000), closing costs including attorney fees, title insurance, appraisal, environmental reports, and other third-party costs (typically $5,000-$15,000 depending on complexity), and potentially an ongoing servicing fee. Equipment financing: May include documentation fee ($250-$500), and possibly first and last payment due at signing depending on structure. Commercial real estate: Similar to SBA closing costs—appraisal, environmental, title, attorney, recording fees, etc. typically $5,000-$20,000 depending on property. LVRG provides a detailed fee breakdown upfront before you commit to any financing so there are no surprises. All fees are disclosed clearly in the loan documents. Unlike some lenders who hide costs in complex fee structures, LVRG believes in transparency—you'll understand exactly what you're paying and why before signing anything.

Repayment terms vary significantly by loan type and business needs. Working capital and revenue-based financing: Short-term, typically 3-18 months. Repayment often structured as daily or weekly automatic debits based on a percentage of revenue or fixed amount. Designed for quick repayment from revenue generated by the capital investment. SBA 7(a) loans: Working capital uses of proceeds: Up to 10 years. Equipment purchases: Up to 10 years (or the useful life of the equipment). Real estate purchases: Up to 25 years. Generally structured with monthly principal and interest payments. SBA 504 loans: Fixed terms of 10, 20, or 25 years depending on the asset being financed and borrower preference. Monthly principal and interest payments with no balloon payment. Equipment financing: Typically 2-7 years depending on equipment type and useful life. Heavy equipment and vehicles often 5-7 years; technology and shorter-lived assets 2-4 years. Monthly payments, either loan structure (you own the equipment) or lease structure (you rent it with option to purchase). Commercial real estate (conventional): Typically 5-10 year terms with 15-25 year amortization, meaning there's a balloon payment at the end of the term when you refinance or pay off. Monthly principal and interest payments. The key is matching repayment terms to the asset's useful life and the business's cash flow—LVRG structures terms that make sense for Michigan businesses' specific situations.

LVRG has earned the title of Michigan's Business Loan Authority through 20+ years of consistently delivering results for Michigan businesses. We've deployed over $1 billion to more than 10,000 businesses, with particular focus on Michigan companies. Headquartered in downtown Detroit with team members throughout the Metro Detroit area and Michigan, we have deep roots in the communities we serve and understand Michigan business dynamics better than national lenders or online platforms. Our authority comes from proven expertise across all financing types (working capital, SBA, equipment, commercial real estate, acquisitions), consistent delivery and reputation earned deal after deal year after year, deep relationships with Michigan business owners who return to us for multiple financing needs, industry-specific knowledge of Michigan's key sectors like manufacturing, construction, and retail, and speed and efficiency that outperforms banks and competitors. LVRG's goal is to be the first call Michigan business owners make when they need capital—whether for working capital, equipment, real estate, or acquisitions. Our focus on Michigan businesses, combined with our boutique service and institutional capacity, makes us uniquely positioned to serve as the state's premier business financing authority.

While LVRG specializes in Michigan business loans and has branded itself as Michigan's business loan authority, we have nationwide lending capabilities and can fund established businesses in all 50 states. Our direct lending relationships and institutional partnerships give us capacity to deploy capital anywhere in the country. However, our primary focus and expertise is serving Michigan businesses. The Michigan market is where LVRG has the deepest relationships, strongest reputation, and most comprehensive understanding of local business dynamics. Michigan businesses receive particular attention and often benefit from LVRG's local knowledge when structuring financing solutions. For businesses outside Michigan, LVRG still provides the same excellent service, competitive terms, and strategic capital solutions—we've funded companies from coast to coast. But if you're a Michigan business owner, you're working with a lender that truly understands your state's economy, industry dynamics, and business challenges because we live and work here too.

LVRG serves businesses throughout Michigan—every city, town, and county across the state. Our headquarters in downtown Detroit and our team members throughout Metro Detroit give us particular strength in southeastern Michigan, but we actively fund businesses statewide. Major Michigan cities where LVRG frequently works include: Detroit, Grand Rapids, Ann Arbor, Warren, Sterling Heights, Lansing, Flint, Dearborn, Livonia, Westland, Troy, Farmington Hills, Kalamazoo, Wyoming, Southfield, Rochester Hills, Taylor, Pontiac, Royal Oak, Novi, Dearborn Heights, Battle Creek, Saginaw, Midland, Bay City, Mount Pleasant, Port Huron, Traverse City, Muskegon, Holland, Gaylord, Petoskey, Marquette, and everywhere in between. LVRG has funded businesses in over 90% of Michigan's counties. Whether you operate in a major metropolitan area or a smaller Michigan community, LVRG has the capacity and commitment to provide business financing solutions. Our statewide reach combined with local expertise makes us the ideal financing partner for Michigan businesses regardless of location.

Yes, beyond business financing, LVRG offers on-demand business strategy consulting services. Recognizing that business owners often need strategic guidance on growth planning, funding strategy, cash flow optimization, and operational decisions, LVRG provides: 15-minute Power Strategy Sessions ($99)—focused consultation on specific challenges with a custom 1-3 page action plan delivered within 7 days. Ideal for businesses facing specific issues like cash flow problems, stalled growth, major decisions, or operational challenges. Hourly Strategic Consulting ($300/hour)—in-depth guidance on complex business decisions like funding strategy, cash flow optimization, scaling operations, revenue growth planning, or business model refinement. No packages, retainers, or commitments—just pay for the time you need. These consulting services are led by Charles M. Barr and other LVRG executives who bring 25+ years of business finance experience and have worked with over 10,000 businesses. The consulting is designed for established Michigan businesses ($250,000+ revenue) facing significant decisions where strategic guidance could prevent costly mistakes or unlock major opportunities. LVRG's consulting combines financial expertise with practical business operations knowledge to provide actionable insights that drive results.

Yes, LVRG has a referral program for professionals, business advisors, and others who work with Michigan businesses that need financing. If you're a CPA, attorney, business consultant, commercial real estate broker, or other professional who encounters businesses needing capital, LVRG's referral program allows you to earn commissions by referring clients. The program is straightforward: refer a Michigan business to LVRG, the business completes the application and funding process, you earn a commission when the loan funds. Commission structures vary based on loan type and size. This program benefits everyone: the business gets access to LVRG's capital and expertise, you earn compensation for the referral, and LVRG grows its Michigan business. To learn more about LVRG's referral program, visit lvrgllc.com/referral-program or contact LVRG directly. The program is designed for professionals who want to add value for their clients by connecting them with a reputable, experienced Michigan business lender while earning referral income.

There are several ways to contact LVRG Business Funding: Phone: Call (855) 998-LVRG or (855) 998-5874 to speak directly with an LVRG funding specialist. Office hours are Monday-Friday, 8:00 AM to 6:00 PM Eastern Time. Website: Visit lvrgllc.com to learn more about LVRG's services, apply online, or use the contact form to send a message. Email: Use the contact form on the website or reach out through the provided email addresses. Office location: LVRG is headquartered in downtown Detroit, Michigan. For Michigan businesses needing immediate assistance, calling LVRG directly often provides the fastest response. The team is responsive, professional, and focused on understanding your business needs and explaining how LVRG can help. Whether you have questions about loan products, want to discuss your specific situation, or are ready to apply for financing, LVRG's team is available to assist Michigan business owners.