Immediate Business Funding for Michigan Businesses: $25,000 to $1,500,000 in 24 Hours

Fast Capital for Growth Opportunities - Not Survival Financing

There comes a time in every business's life when immediate capital creates immediate opportunity. Whether you need to stock up on best-selling inventory, purchase larger equipment to handle bigger jobs, hire additional staff for expansion, buy out a competitor, open an additional location, or remodel your facility—these growth opportunities often require capital faster than traditional bank timelines allow.

LVRG Business Funding provides immediate business funding for established, cash-flowing Michigan businesses throughout Metro Detroit, Grand Rapids, Ann Arbor, Lansing, and all Michigan markets. We're a direct lender funding growth opportunities that require speed—delivering $25,000 to $1,500,000 in capital within 24 hours for qualified businesses.

This is not traditional bank lending. This is strategic short-term capital designed for immediate deployment and rapid return.

Call (855) 998-5874 | Apply Now

Headquartered in Detroit | Direct Lender Since 2005

When Immediate Business Funding Makes Strategic Sense

Every business faces moments when opportunity and timing converge. A competitor goes out of business and their customer list becomes available—but the opportunity closes within days. Equipment becomes available at 40% below market value but requires immediate commitment. Your best-selling product line needs restocking but your supplier requires payment upfront for bulk orders. A prime retail location becomes available but the landlord has multiple interested tenants.

Traditional bank loans offer low interest rates but require extensive documentation, financial statement analysis, and 60-90 day underwriting timelines. Sometimes Michigan businesses need capital in 90 minutes, not 90 days—and that's exactly what immediate business funding provides.

This isn't a traditional bank loan with low rates and long terms—that's not what this type of financing is. This is short-term capital designed for specific growth opportunities requiring immediate execution. When deployed strategically for revenue-generating investments, businesses often see 2-3x return on capital within the funding term.

Common strategic uses for immediate business funding:

Inventory purchases: Stocking best-selling products during peak seasons, taking advantage of bulk purchase discounts, securing inventory from suppliers offering time-sensitive pricing, building inventory ahead of major sales events or promotional campaigns.

Equipment acquisition: Purchasing larger equipment to handle bigger contracts, upgrading production capacity to meet increased demand, replacing broken equipment that's halting operations, acquiring specialized tools enabling new service offerings.

Business expansion: Opening additional locations in high-traffic areas, hiring sales staff or production workers for growth initiatives, expanding service territories or delivery capabilities.

Competitor acquisition opportunities: Buying customer lists from closing competitors, acquiring equipment or inventory from businesses going out of business, purchasing competitor locations at favorable terms, consolidating market share through strategic acquisitions.

Facility improvements: Remodeling customer-facing areas to increase sales, upgrading facilities to meet larger client requirements, expanding production or warehouse space, improving operational efficiency through facility upgrades.

Strategic business opportunities: Securing prime commercial real estate or retail locations, taking on larger contracts requiring upfront capital investment, launching new product lines or service offerings, capitalizing on time-sensitive market opportunities.

The common thread: immediate capital deployment creating measurable revenue increase or operational improvement within the short-term funding period.

What This Is NOT: We Fund Growth, Not Survival

LVRG Business Funding maintains strict underwriting criteria because we fund healthy businesses pursuing growth—not struggling businesses seeking survival capital.

If your Michigan business experiences declining monthly revenue, regularly negative bank balances, frequent bounced payments to existing lenders, or needs capital simply to stay open another week or month—we are not the right funding partner. This type of funding has unfortunately become associated with desperate businesses stacking multiple advances in a downward spiral toward failure. That is not how this product should be used, and those are not the businesses we fund.

We fund first, second, or third position when cash flow clearly supports total payment obligations. We thoroughly underwrite each Michigan business to ensure comfortable debt service capacity across all obligations. What we don't do: add debt to already over-leveraged businesses, fund companies that cannot afford existing payment obligations, or participate in predatory lending cycles that have damaged this industry's reputation.

2026 Enhanced Underwriting Criteria:

Starting January 2026, LVRG Business Funding implemented enhanced standards ensuring we fund only stable, healthy Michigan businesses with clear growth trajectories:

Minimum Monthly Revenue: $50,000 gross revenue per month, consistently maintained month after month. Businesses with significant revenue fluctuations (example: $50,000 one month, $10,000 the next month) do not qualify. We require stable, predictable revenue patterns demonstrating sustainable business operations.

Time in Business: Minimum 6 months operating history with consistent revenue generation throughout that period.

Bank Account Health: Maximum 1-2 NSF (non-sufficient funds) occurrences per month. We require healthy bank balances and strong deposit patterns. Accounts regularly going negative or bouncing payments indicate cash flow instability incompatible with additional debt obligations.

Cash Flow Consistency: Strong, stable deposits month after month. Revenue patterns must demonstrate sustainability and growth trajectory—not declining revenue or erratic cash flow.

Existing Debt Obligations: We evaluate total debt service requirements including any existing financing. Businesses must demonstrate comfortable payment capacity across all obligations before we add additional debt.

If your Michigan business doesn't meet these standards, please do not apply. We maintain these criteria specifically to ensure funding success for both our business clients and our lending operations—avoiding the predatory cycles that have damaged short-term business lending reputation.

How Factor Rate Funding Works: Understanding the Numbers

Unlike traditional amortized loans with annual percentage rates (APR), immediate business funding uses factor rates—a simpler, more transparent pricing structure designed for short-term capital deployment.

Factor Rate Calculation:

A factor rate represents the total payback amount as a multiple of the borrowed principal. Here's how it works:

Example: Business borrows $100,000 at 1.2 factor rate

Amount Borrowed: $100,000
Factor Rate: 1.2
Total Payback: $100,000 × 1.2 = $120,000
Cost of Capital: $20,000

The $120,000 total payback gets divided into equal weekly payments over the agreed term (typically 6-18 months). There's no separate principal and interest calculation—just consistent weekly payments until the total amount is repaid.

Payment Structure:

Using the $100,000 example with 15-month (65-week) term:

Total Payback: $120,000
Term: 65 weeks
Weekly Payment: $120,000 ÷ 65 = approximately $1,846 per week

Payments remain consistent throughout the entire term. No payment goes toward "principal" while another goes toward "interest"—the total amount owed is simply spread across the payment schedule. This creates payment predictability critical for cash flow planning.

Current LVRG Business Funding Terms:

Factor Rates: Starting at 1.2 for well-qualified Michigan businesses with strong cash flow, stable revenue, excellent credit profiles, and minimal existing debt obligations. Factor rates vary based on business strength, time in operation, credit profile, existing obligations, and overall risk assessment.

Terms: Typically 6-18 months depending on borrower credit profile and business stability. Longer terms available for exceptionally strong businesses requiring lower weekly payment amounts.

Payment Frequency: Weekly payments strongly preferred. Bi-weekly payments possible but not recommended as they create larger individual payment amounts potentially straining cash flow during slower revenue weeks.

Early Payoff Discounts: Aggressive early prepayment discounts up to 12% for payoff within 30-60 days. Businesses experiencing faster-than-expected returns on deployed capital can substantially reduce total cost through early repayment.

Why Factor Rates Cost More Than Traditional Bank Loans:

Yes, factor rate funding costs more than SBA loans or traditional bank term loans. There are legitimate reasons:

Speed: Capital deployed in 24-48 hours versus 60-90 days for bank loans. When timing determines opportunity capture, speed has measurable value.

Minimal Documentation: Simple application process without extensive financial statement requirements, tax return analysis, or complex underwriting procedures. Business owners avoid spending weeks compiling documentation for bank underwriting.

Flexible Underwriting: Approval based primarily on cash flow and revenue stability rather than perfect credit scores, extensive collateral requirements, or rigid bank lending criteria. Businesses with moderate credit or limited collateral can still access capital.

Short-Term by Design: This is not long-term financing competing with 10-year SBA loans. It's strategic short-term capital designed for immediate deployment and rapid return within months, not years.

Risk-Based Pricing: Short-term unsecured lending carries higher risk than long-term collateralized bank loans, reflected in pricing structure.

Michigan business owners understand the value proposition: sometimes paying modestly higher capital costs to capture immediate revenue opportunities creates substantially greater returns than waiting months for traditional bank approval.

Who This Works For: Michigan Businesses We Fund

LVRG Business Funding serves established, cash-flowing Michigan businesses across industries throughout Metro Detroit, Grand Rapids, Ann Arbor, Lansing, and all Michigan markets. We're direct lenders with 20+ years funding Michigan businesses requiring immediate capital for growth opportunities.

Industries we commonly fund for immediate business capital:

Retail Operations: Liquor stores, gas stations, convenience stores, specialty retail shops, clothing boutiques, sporting goods stores, home improvement retailers—businesses needing inventory capital, seasonal stocking, or facility improvements.

Food Service: Restaurants, bars, pizza shops, quick-service concepts, catering operations, food trucks, coffee shops—businesses requiring equipment purchases, remodeling, expansion, or inventory capital.

Automotive Services: Auto repair shops, tire retailers, car washes, detailing operations, automotive specialty services—businesses needing equipment upgrades, facility improvements, or expansion capital.

Healthcare Practices: Medical practices, dental offices, chiropractic clinics, physical therapy practices, veterinary hospitals, urgent care centers—practices requiring equipment purchases, facility upgrades, or operational capital.

Service Businesses: Cleaning services, landscaping companies, property management firms, security services, logistics operations—businesses needing equipment, vehicles, expansion capital, or working capital.

Construction and Trades: Contractors, electricians, plumbers, HVAC companies, roofing contractors—businesses requiring equipment purchases, vehicle acquisitions, or capital for large project mobilization.

Distribution and Wholesale: Product distributors, wholesale operations, logistics companies—businesses needing inventory capital, equipment upgrades, or facility expansion.

Manufacturing Operations: Light manufacturing, assembly operations, contract manufacturing—businesses requiring equipment purchases, capacity expansion, or material purchases.

The common characteristic: established businesses generating consistent monthly revenue with clear plans to deploy capital for immediate revenue-generating opportunities or operational improvements.

Why Michigan Businesses Choose LVRG Business Funding

Direct Lending with Strategic Partnerships

LVRG Business Funding provides immediate business funding through multiple approaches: we lend directly on many transactions, co-invest with partner lenders on others, and facilitate funding through our lending network when deal characteristics benefit from specialized expertise. This flexible approach ensures Michigan businesses receive optimal funding solutions regardless of specific deal requirements.

This direct lending approach creates several advantages for Michigan business owners:

Faster Decisions: No external lender reviews or multi-layer approval processes. Our underwriting team makes approval decisions directly, compressing timelines from application to funding.

Streamlined Process: Direct communication between business owners and actual decision-makers. No information getting lost between broker intermediaries and funding sources.

Flexible Underwriting: Direct lenders maintain latitude to evaluate deals holistically rather than rigid algorithmic scoring. Strong businesses with explainable credit issues or unique circumstances receive proper evaluation.

Relationship Banking: Michigan businesses work directly with LVRG throughout funding term and for future capital needs. Direct lenders build actual relationships with business clients rather than transactional broker relationships.

Michigan Market Expertise

Headquartered in Detroit with deep connections throughout Michigan's business community—Metro Detroit, Grand Rapids, Ann Arbor, Lansing, Flint, Kalamazoo, and all Michigan markets—LVRG Business Funding understands Michigan business dynamics, seasonal patterns, industry characteristics, and economic conditions affecting capital needs.

We understand Metro Detroit retail operations' inventory requirements, Grand Rapids manufacturing businesses' equipment needs, Ann Arbor service businesses' expansion patterns, and Michigan-wide seasonal business cash flow characteristics. This Michigan market knowledge informs underwriting decisions and capital deployment strategies benefiting Michigan business clients.

Strict but Fair Underwriting

Our enhanced 2026 underwriting criteria ensure we fund healthy businesses with clear growth trajectories—not desperate businesses seeking survival capital. This benefits both LVRG and our Michigan business clients:

Businesses receive capital they can actually afford to repay without over-leveraging operations or creating payment default situations. LVRG maintains portfolio performance enabling continued capital availability for Michigan businesses. The Michigan business community benefits from responsible lending practices rather than predatory cycles damaging business owners and industry reputation.

Speed When Timing Matters

Equipment opportunities, inventory deals, competitor acquisitions, real estate availability, hiring opportunities—growth catalysts often emerge with tight timeframes requiring immediate capital deployment. LVRG Business Funding delivers funding decisions within hours and capital deployment within 24 hours for qualified Michigan businesses (or next business day if application submitted after midday).

National Capability with Michigan Focus

While LVRG Business Funding is licensed and actively funds businesses in all 50 states, our Michigan market focus creates concentrated expertise serving Michigan business owners. National lending capability enables us to fund multi-location Michigan businesses with out-of-state operations while maintaining deep Michigan market knowledge and relationships.

The Immediate Business Funding Process

Application to Funding in 24 Hours

Step 1: Initial Application (15 Minutes)

Complete brief online application or call (855) 998-5874 to speak directly with LVRG funding specialists. Initial application captures basic business information, revenue characteristics, and capital needs.

Step 2: Bank Statement Analysis (2-4 Hours)

Submit 3-4 months recent business bank statements showing revenue deposits and account activity. LVRG underwrites based primarily on demonstrated cash flow and deposit patterns rather than extensive financial statement requirements or complex documentation.

Step 3: Underwriting and Approval (4-8 Hours)

LVRG underwriting team analyzes cash flow patterns, revenue stability, existing obligations, and overall business health. Michigan businesses meeting our enhanced 2026 criteria receive approval decisions typically within same business day.

Step 4: Offer and Agreement (1-2 Hours)

Approved Michigan businesses receive specific funding offer including amount, factor rate, term, weekly payment amount, and early payoff discount structure. Business owners review offer, ask questions, and execute simple funding agreement.

Step 5: Funding (Same Day or Next Business Day)

Upon agreement execution, LVRG deploys capital directly to business bank account via ACH transfer or wire (business owner preference). Capital typically arrives same day for morning approvals, or next business day if approved after midday.

Total Timeline: Application to capital deployment typically same business day or next business day for qualified Michigan businesses with complete documentation and clear approval profiles.

When This Funding Makes Sense vs When It Doesn't

Strategic Use Cases (When Immediate Business Funding Works Well):

A Metro Detroit retail operation receives notification that their best-selling product line is available at 35% discount for bulk purchase requiring payment within 48 hours. Normal bank loan timeline is 60+ days. Using immediate business funding, the retailer purchases inventory generating $180,000 additional revenue over 90 days on $75,000 deployed capital. The $15,000 funding cost is recovered 12x through gross profit on accelerated inventory sales.

A Grand Rapids contractor receives opportunity to bid on $500,000 commercial project requiring specialized equipment purchase upfront. Traditional equipment financing requires 30-45 days. Using immediate business funding, the contractor purchases equipment immediately, secures the project, generates $125,000 profit, and repays the funding within 8 months. The project wouldn't have been possible waiting for traditional equipment financing.

An Ann Arbor restaurant owner learns the adjacent retail space becomes available, creating opportunity to double dining capacity. The landlord has multiple interested tenants requiring immediate lease commitment. Using immediate business funding for remodeling and equipment, the restaurant doubles capacity, increases monthly revenue by $40,000, and repays funding within 12 months while maintaining expanded operations generating ongoing revenue increases.

When Immediate Business Funding Doesn't Make Sense:

A struggling Michigan retail business experiences declining revenue from $80,000 monthly to $45,000 monthly over 6 months. The owner needs capital to pay rent and keep doors open, hoping revenue "might turn around next month." This business needs operational restructuring or closure consultation—not additional debt accelerating business failure.

A Michigan contractor already carries three existing merchant cash advances with total weekly payments of $4,500 on monthly revenue averaging $60,000. The contractor wants additional capital to "consolidate payments" or "buy time." This business is over-leveraged and adding debt creates default certainty rather than solving underlying cash flow problems.

A Michigan manufacturer with seasonal revenue patterns (strong summer, weak winter) wants to use immediate business funding to cover winter operating losses. Short-term funding doesn't solve seasonal cash flow patterns—proper working capital lines of credit or term loans with appropriate structures address seasonal business needs without creating over-leverage during slow periods.

The Determining Factor: Can the business demonstrate that deployed capital will generate measurable revenue increase or cost savings exceeding the funding cost within the repayment term? If yes, immediate business funding can work strategically. If no, traditional bank products or operational improvements should be explored instead.

Frequently Asked Questions: Immediate Business Funding

What credit score do I need for immediate business funding?

Credit scores factor into underwriting but aren't sole approval determinants. Strong Michigan businesses with moderate credit (600-650 range) can qualify when cash flow, revenue stability, and business characteristics compensate. Credit scores above 680 generally produce best pricing. Scores below 600 require exceptional cash flow and revenue patterns.

Can I get approved if I already have an existing merchant cash advance?

Yes—we fund second and third position when total payment obligations are clearly supported by cash flow. We thoroughly underwrite to ensure businesses can comfortably afford all payments including existing obligations plus new funding. We do not fund over-leveraged businesses or participate in predatory stacking.

How long does approval actually take?

Qualified Michigan businesses with complete documentation (bank statements) typically receive approval decisions within 4-8 hours during business days. Some approvals occur within 2 hours for exceptionally strong businesses with clear approval profiles. Funding follows same day or next business day after approval and agreement execution.

What documentation do I need?

Primary requirement: 3-4 months recent business bank statements showing revenue deposits and account activity. Additional items may include business license, voided check for ACH setup, and basic business information. We specifically designed this process to avoid extensive financial statement requirements, tax returns, or complex documentation characteristic of traditional bank lending.

Can I pay off early without penalty?

Yes—we encourage early payoff and offer aggressive early prepayment discounts up to 12% for payoff within 30-60 days. Michigan businesses experiencing faster-than-expected returns on deployed capital can substantially reduce total funding cost through early repayment. No prepayment penalties whatsoever.

What if my revenue is seasonal?

Seasonal businesses can qualify but require demonstrated patterns showing revenue adequacy during all periods including slower seasons. A landscaping business strong during summer but generating minimal winter revenue would need to demonstrate winter revenue or reserves adequate to handle weekly payments during off-season months. We evaluate total annual cash flow patterns rather than requiring every single month to hit minimum thresholds.

Do I need to provide collateral or personal guarantees?

Immediate business funding is primarily cash flow-based lending with minimal collateral requirements. Personal guarantees are typically required from business owners with significant equity stakes, creating accountability for repayment obligations. Hard asset collateral (equipment, real estate, inventory) is not required for approval though may be considered in underwriting evaluation.

Can businesses outside Michigan apply?

Yes—LVRG Business Funding is licensed and actively funds businesses in all 50 states. While our Michigan market focus creates concentrated expertise serving Michigan business owners, we provide immediate business funding nationwide for qualified businesses meeting our underwriting criteria regardless of location.

How often do I make payments?

Weekly payments are standard and strongly recommended. Weekly payment structure aligns with most businesses' revenue patterns, creating manageable individual payment amounts rather than larger bi-weekly or monthly payments potentially straining cash flow. Bi-weekly payments are possible but require higher individual payment amounts that may impact cash flow during slower revenue periods.

What industries does LVRG fund?

We fund established, cash-flowing businesses across most industries. Common sectors include retail operations, food service businesses, automotive services, healthcare practices, service companies, construction and trades, distribution operations, and light manufacturing. Industry matters less than demonstrated cash flow, revenue stability, and clear capital deployment plans generating measurable returns.

Why is immediate business funding more expensive than bank loans?

Speed, minimal documentation, flexible underwriting, and short-term risk characteristics create higher pricing than long-term collateralized bank loans. However, businesses aren't comparing equivalent products—they're comparing 24-hour capital deployment enabling immediate opportunity capture versus 60-90 day bank processes potentially missing time-sensitive opportunities. The value proposition focuses on return on deployed capital rather than absolute lowest interest rate.

Get Immediate Business Funding for Your Michigan Business

When growth opportunities require immediate capital deployment, timing determines success. LVRG Business Funding delivers funding decisions within hours and capital same day or next business day for qualified Michigan businesses throughout Metro Detroit, Grand Rapids, Ann Arbor, Lansing, and all Michigan markets.

Three Ways to Get Started:

Call LVRG Immediate Funding Specialists
(855) 998-5874
Speak directly with funding experts
Monday-Friday, 9:00am-6:00pm EST

Apply Online for Fast Approval
Complete Application →
Receive preliminary decision within 4-8 hours

Email Your Capital Needs
info@lvrgllc.com
Describe your situation for 24-hour response

About LVRG Business Funding

LVRG Business Funding specializes in immediate business funding for established Michigan businesses requiring fast capital for growth opportunities. Headquartered in Detroit, we're direct lenders serving Michigan businesses throughout Metro Detroit, Grand Rapids, Ann Arbor, Lansing, and all markets statewide.

Since 2005, LVRG has deployed capital for thousands of businesses nationwide, with concentrated focus on Michigan business owners requiring immediate funding for inventory purchases, equipment acquisition, facility expansion, hiring, and strategic growth opportunities.

We understand Michigan business dynamics, seasonal patterns, industry characteristics, and growth catalysts requiring immediate capital deployment. Our mission: provide healthy, growing Michigan businesses with immediate capital access enabling opportunity capture when timing determines success.

LVRG Business Funding
615 Griswold St, Suite 700
Detroit, MI 48226

Licensed Nationwide | Direct Lender | Michigan Focused

Apply for Immediate Business Funding →

LVRG Business Funding provides immediate business funding for qualified businesses meeting enhanced 2026 underwriting criteria. Approval and terms depend on business cash flow, revenue stability, credit profile, and overall financial strength. Factor rates, terms, and payment structures vary based on individual business assessment.