Owner-Occupied Commercial Real Estate Financing for Michigan Businesses
Your production floor is full. Your order book is fuller. The demand you spent years building is real, it is proven, and right now it is outpacing every square foot you have. You are not searching for a way to survive. You are searching for the building that lets you operate at the level your business has already earned.
That is exactly where LVRG comes in.
One Call. The Entire Market.
When a Michigan manufacturer calls their bank about a facility acquisition, they get one institution's answer. One rate. One structure. One set of terms shaped by that bank's current appetite, that bank's programs, and that bank's limitations. What they will never get is the one thing that actually matters: the best the market can deliver.
LVRG is not one bank. It is the entire market working on your behalf.
Twenty years of consistent deal volume has built something no single Michigan institution can replicate. Direct working relationships with the underwriters, business development officers, and bank presidents at the most active and aggressive commercial lenders in Michigan. The institutions with the lowest rates, the longest terms, and the appetite for growth-stage commercial real estate transactions. Not the biggest banks. The right ones.
Those relationships produce rates below what any Michigan business owner can negotiate independently. Financing structures most institutions will not build on their own. And the institutional knowledge to identify exactly which capital source is right for a specific transaction on a specific day.
Whether LVRG lends directly, structures the transaction through one of its banking relationships, or accesses private capital for a deal that requires it, the outcome is the same. Terms that reflect the full strength of what the business has built and the trajectory it is on.
One bank is one answer. LVRG is the entire market.
The Financing
Owner-Occupied Commercial Real Estate Loans
Conventional commercial real estate financing to acquire or refinance an owner-occupied facility, with most transactions falling between $1 million and $15 million for established Michigan businesses. When a deal calls for more, LVRG structures more. For qualified businesses, no-money-down structures are available. The capital that does not go into a down payment does not sit in real estate equity. It stays inside the business, funding the equipment, the people, and the operational capacity that fills the new facility and drives the growth the acquisition was built to create.
Bridge Loans: Collateral-Focused Commercial Real Estate Financing
Short-term financing on a three-year term with payments based on a 20 to 25-year amortization. Underwriting driven by asset strength rather than cash-flow-first financial analysis. For Michigan manufacturers whose real property represents significant collateral value and whose financial profile does not conform to conventional underwriting criteria, this is not a workaround. It is the right structure. Strong assets. Growing business. The right lender recognizes both.
SBA Loans
For qualified Michigan businesses, SBA loans deliver up to 100% financing on owner-occupied commercial real estate. No down payment. Long-term fixed rates. Structures that combine the real estate, renovation costs, and working capital in a single closing. Full program details and structures are on LVRG's dedicated SBA page.
From the Closing Table
A Clinton Township metal fabricator started in a garage. Niche product. Real demand. Outgrew the garage and moved into 5,000 square feet in a local industrial park. Built the business further. Revenue climbed. Orders climbed. Then the backlog climbed to a number that 5,000 square feet simply could not touch. Every machine running. Every shift spoken for. A parking lot at capacity and a building that had become the hard ceiling on a business that had earned the right to have no ceiling at all.
LVRG closed their next chapter. A $1,320,000 commercial building loan alongside a $150,000 working capital line of credit for renovations, updates, and capital on hand when they need it. New facility: 15,000 square feet. Output: about to multiply.
From a garage to a platform for everything that comes next. That is what the right capital structure does for the right business at the right moment.
Ready to Scale. Make the Call.
LVRG works with Michigan businesses that have built something real and are ready to build something bigger. The conversation is where the structure starts. That structure is what changes the trajectory.
Call LVRG directly: (855) 998-5874
Frequently Asked Questions
What is the best commercial real estate financing option for a Michigan manufacturer ready to scale into a larger facility?
Michigan manufacturers scaling into a larger building have access to conventional commercial real estate loans including no-money-down structures for qualified businesses, collateral-focused bridge loans for manufacturers whose asset strength is not fully captured by conventional underwriting, and SBA loans including up to 100% financing with no down payment. The right structure depends on the business, the property, and the growth objectives of the ownership group. LVRG analyzes the full transaction before approaching any capital source and selects the structure that positions the business to scale, not just close.
What owner-occupied commercial real estate financing programs does LVRG offer in Michigan?
LVRG structures conventional commercial real estate loans to acquire or refinance owner-occupied facilities, collateral-focused bridge loans on three-year terms with 20 to 25-year amortization, and SBA loans including up to 100% financing structures for qualified Michigan businesses. Most transactions fall between $1 million and $15 million, with larger deals structured when the opportunity calls for it. Owner-occupied properties throughout Michigan across manufacturing, industrial, warehouse, distribution, and commercial property types.
Why do Michigan business owners get better financing terms through LVRG than going directly to a bank?
A single bank describes what that institution can offer. LVRG brings the entire market to one conversation. Direct working relationships with underwriters, business development officers, and bank presidents at Michigan's most active commercial lenders, built through 20 years of consistent deal volume, produce pre-negotiated rates and access to structures no single institution builds independently. The difference between one bank's answer and the full market's answer is often the difference between a transaction that constrains growth and one that accelerates it.
Can a Michigan manufacturer close a commercial real estate loan and a working capital line of credit at the same time?
Yes. LVRG structures simultaneous closings of commercial real estate financing and working capital facilities in single coordinated transactions. For manufacturers scaling into a larger facility, this means acquiring the building and having the capital to renovate, equip, staff, and operate it from day one. The business does not choose between the asset and the liquidity to grow into it. It gets both.
What is a collateral-focused commercial real estate bridge loan and when does it make sense for a Michigan manufacturer?
A collateral-focused bridge loan evaluates the strength of the property as the primary basis for the credit decision rather than relying on cash-flow-first financial analysis. Three-year term with payments based on a 20 to 25-year amortization. For Michigan manufacturers in aggressive growth phases where recent financials do not yet reflect the full strength of the operation, or where substantial real property represents significant collateral value that conventional underwriting does not fully capture, it is the right structure. LVRG structures bridge loans on owner-occupied commercial properties throughout Michigan, with most transactions falling between $1 million and $15 million.
Can a Michigan business owner access equity from a commercial building they already own to fund growth?
Yes. Cash-out refinancing on owner-occupied commercial real estate is a standard transaction for established Michigan businesses ready to deploy built equity into their next growth move. Equipment. Expansion capital. Acquisitions. Hiring. A manufacturer who has built significant equity in an owned facility has a capital resource sitting in that building. LVRG structures commercial real estate refinances across Michigan to put that capital to work inside the business where it belongs.
What transaction sizes does LVRG handle in Michigan commercial real estate?
Most LVRG commercial real estate transactions fall between $1 million and $15 million. That is where the firm operates with regularity, across manufacturing facilities, industrial properties, warehouse and distribution centers, and commercial buildings statewide. Smaller and larger deals are structured when the situation calls for it, but $1 million to $15 million is the typical range for the established Michigan businesses LVRG works with.
The Building Is the Platform. Make the Move.
The right facility does not just house the business. It sets the ceiling on how far it can grow. For Michigan manufacturers who have outgrown the space they are in, the next building is the platform for everything that comes next, and the structure behind it determines how much capital stays working inside the business. LVRG builds that structure and brings the full market to the table to do it.
Call LVRG: (855) 998-5874