SBA Loans Michigan | $150K to $20M+ SBA Financing | 30-45 Day Approval | Metro Detroit

The Smarter Way to Secure SBA Financing—Without the Bank Runaround

Here's what most business owners don't know about SBA loans: Not all banks are created equal when it comes to SBA lending. In fact, most banks that claim to offer SBA loans are completely useless—taking weeks just to respond to emails, six months (or more) to close deals, and often declining quality businesses simply because they lack the SBA expertise and appetite to get deals done.

Here's what separates LVRG from every other option: We're not a bank. We're a boutique SBA financing platform with direct relationships to the top 25 SBA lenders in the country—banks that are aggressively funding SBA loans with streamlined processes, competitive rates, and proven speed. Even better: we bring these elite lenders to you, handle all the heavy lifting, and you pay us absolutely nothing.

Think of us as your white-glove SBA concierge. We package your deal, pre-underwrite it, match you with the perfect lender from our vetted network, and stay with you every step of the way to ensure fast approval and funding—typically in 30-45 days. Meanwhile, if you go bank-to-bank on your own, you're looking at 3-6 months of delays, declined applications, and wasted time with banks that simply don't prioritize SBA lending.

The best part? Because of our strategic partnerships and volume, our clients often receive special pricing and lower rates than they would shopping banks on their own. You get better terms, faster closings, expert guidance, and zero out-of-pocket cost.

We're the platform that most Michigan banks refer their own clients to because they know we can get SBA deals done that they can't. If banks are sending their customers to us, why would you waste time trying to do this alone?

Why Business Owners Choose LVRG for SBA Loans

1. Pre-Vetted Strategic Partnerships with 25+ of the Nation's Top SBA Lenders

Not all SBA lenders are created equal. Most banks that advertise SBA loans either:

• Aren't actively funding deals

• Take 3-6 months to close (if they close at all)

• Lack the creative loan products needed for complex deals

• Don't respond to emails for weeks

• Decline businesses that should easily qualify

We've already done the vetting. Our network consists exclusively of the country's most aggressive, efficient, and creative SBA lenders—banks with proven track records of fast approvals, competitive rates, and high approval rates. These aren't random banks you'd find on Google. These are institutional SBA powerhouses that we've built years-long relationships with.

Translation: You get access to lenders you'd never find on your own, and we already know which banks are perfect for your specific deal.

2. We're Paid by the Bank—You Pay Nothing

This is the game-changer most business owners don't expect: Our services are 100% free to you.

We're compensated on the backend by our lending partners. That means you get:

• Expert deal packaging and pre-underwriting

• Access to 25+ elite SBA lenders

• White-glove service throughout the entire process

• Faster approvals and better terms

All at zero cost to you.

Compare that to going bank-to-bank on your own, wasting months of your time, and likely ending up with worse terms (or no approval at all). The question isn't whether you can afford to use us—it's whether you can afford not to.

3. White-Glove Concierge Service (We Do the Heavy Lifting)

We don't just "refer you to a bank" and disappear. We're with you every step of the way:

We handle the packaging: We gather your financials, structure your deal, and prepare a professional loan package that meets SBA and lender requirements.

We pre-underwrite your deal: Before we ever submit to a lender, we analyze your business to identify potential issues and structure your application for maximum approval likelihood.

We match you with the right lender: Not all SBA lenders are good fits for all deals. We know which banks excel at real estate, equipment financing, acquisitions, working capital, and complex multi-purpose loans. We ensure your deal lands with a lender who understands your industry and will move fast.

We manage the process: We're on calls, texts, and emails throughout the process—not just with you, but with the lender. We keep deals moving, handle documentation requests, and troubleshoot issues before they become problems.

You're involved every step of the way—but you have an expert advocate handling the complexity while you run your business.

4. Special Pricing and Better Rates Through Our Partnerships

Because we deliver significant volume to our lending partners and have established long-term strategic relationships, our clients often receive preferential pricing and lower rates than business owners who approach these same banks directly.

This isn't just about saving a quarter-point on your rate (though that adds up to tens of thousands over a 10-25 year loan). It's about:

• Faster approvals

• More flexible underwriting

• Creative deal structures that solo applicants don't get access to

• Priority processing

Our relationships open doors that stay closed to individual business owners.

5. Speed: 30-45 Days vs. 3-6 Months with Random Banks

Here's the reality of SBA financing: The SBA itself has guidelines and processes that can't be rushed. But the lender you work with makes all the difference.

With LVRG's vetted lender network: Most deals are approved and funded in 30-45 days. Larger, more complex deals might take 90 days, but that's still a fraction of what you'd experience elsewhere.

With random banks or your local bank: Expect 3-6 months (or longer) of delays, non-responsiveness, and frustration. Many business owners give up entirely or miss critical growth opportunities because the timeline is so drawn out.

Why the difference? Our lenders are SBA specialists with dedicated teams, streamlined processes, and aggressive funding goals. They prioritize deals and move fast. Random banks treat SBA loans as an afterthought.

Time is money. The faster you secure capital, the faster you grow. We don't just save you time—we preserve opportunities that would otherwise disappear.

6. We're the Platform Michigan Banks Refer Their Clients To

Let that sink in: When Michigan banks get an SBA loan request they can't handle (which is most of them), they send that business owner to us.

Why? Because most banks lack the expertise, appetite, or SBA infrastructure to get deals done efficiently—or at all. They know we have:

• The lender relationships they don't

• The SBA expertise they lack

• The speed and service they can't provide

If the banks themselves trust us with their customers, why would you try to navigate this alone?

SBA Loan Programs We Specialize In

SBA 7(a) Loans: The Swiss Army Knife of Business Financing

Loan Amounts: $150,000 - $5,000,000
Terms: Up to 25 years
Best For: Maximum flexibility across virtually any business purpose

The SBA 7(a) loan is the most versatile financing tool for established businesses. Whether you need working capital, want to acquire a competitor, purchase real estate, buy equipment, or consolidate debt, the 7(a) program can handle it—often in a single loan.

Common uses include:

• Business acquisitions (buying competitors, suppliers, or complementary businesses)

• Commercial real estate purchases (buying your facility instead of leasing)

• Equipment financing (machinery, vehicles, technology)

• Working capital and expansion

• Debt refinancing and consolidation

• Multi-purpose growth capital

Why 7(a) loans are powerful: They combine substantial loan amounts with long repayment terms, making monthly payments manageable while funding transformational business investments. Unlike conventional bank loans, 7(a) loans don't require you to drain your cash reserves or accept punishing short-term payment structures.

LVRG's 7(a) Advantage: We have access to lenders who excel at complex 7(a) structures—deals involving multiple purposes, creative collateral solutions, and businesses that don't fit the "vanilla" bank mold. If you've been told your deal is too complicated, we likely have a lender who specializes in exactly what you need.

SBA 504 Loans: Fixed-Rate Real Estate & Equipment Financing

SBA Portion: Up to $5.5 million per project
Total Project Financing: No maximum limit
Terms: 10, 20, or 25 years (fixed rate)
Best For: Real estate acquisitions, major equipment purchases, and green energy projects

The SBA 504 program is specifically designed for businesses purchasing owner-occupied real estate or substantial equipment. While the SBA-backed portion is capped at $5-5.5 million, there's no limit on total project size, making this ideal for larger facility purchases and expansions.

Key advantages:

• Lower down payments: Typically 10% down (vs. 20-30% for conventional commercial real estate loans)

• Fixed rates for the life of the loan: Lock in your rate for the full term—protecting you from future rate increases

• Long-term amortization: 20-25 year terms mean lower monthly payments and better cash flow

• Green energy incentives: Projects incorporating renewable energy or energy efficiency improvements can access higher loan limits and additional benefits

504 Green Energy Program - Major Opportunity:

Businesses incorporating green energy improvements can qualify for enhanced benefits:

• $5.5 million per green project (vs. $5M standard)

• No aggregate limit - unlimited green 504 loans with no cap

• Qualify by: Reducing energy use by 10%, generating 15%+ renewable energy, or incorporating sustainable design

• Eligible improvements: Solar panels, energy-efficient HVAC, LED lighting, insulation upgrades, wind/geothermal systems

This means businesses building or renovating facilities with green energy components can finance significantly larger projects—sometimes exceeding $20-30 million in total—while still maintaining the favorable 504 structure and fixed rates.

Common uses include:

• Purchasing your business facility (manufacturing, warehouse, office, retail)

• Expanding existing facilities or building new locations

• Major equipment purchases (production machinery, fleets, specialized equipment)

• Green energy projects (solar installations, energy-efficient building systems)

LVRG's 504 Advantage: The 504 program involves coordination between multiple parties (your lender, a Certified Development Company, and the SBA). We manage the entire process, ensuring all parties are aligned and moving in sync. We know exactly how to structure 504 deals—including green energy projects—for fast approval.

Who We Serve: Michigan Businesses Ready for Growth

While we fund SBA loans nationwide, we're headquartered in Metro Detroit and have deep roots in Michigan's business community. We specialize in helping established, profitable businesses across industries leverage SBA financing for strategic growth.

Construction & Trades Companies

Michigan's construction and trades businesses are the backbone of our economy, and they're often the perfect fit for SBA financing.

We regularly fund SBA loans for:

• General contractors

• Electrical contractors

• Plumbing companies

• HVAC contractors

• Roofing specialists

• Concrete contractors

• Asphalt and paving companies

• Excavating companies

• Landscaping businesses

Common financing needs: Equipment purchases (trucks, machinery, specialized tools), facility acquisition or expansion, business acquisitions, and working capital for large projects.

Why SBA loans work for trades: The long-term structure matches the useful life of equipment and real estate, and the competitive rates keep payments manageable even during seasonal fluctuations.

Manufacturing & Industrial Operations

Michigan has a proud manufacturing heritage, and we're passionate about helping manufacturers grow and compete.

We regularly fund SBA loans for:

• Fabrication shops

• Tool and die companies

• CNC and precision machining

• Plastics manufacturing

• Metal stamping and forming

• Production and assembly operations

• Food and beverage manufacturing

Common financing needs: Facility purchases or expansion, production equipment upgrades, technology and automation investments, business acquisitions, and working capital for inventory and growth.

Why SBA loans work for manufacturing: Manufacturers often need substantial capital for equipment and facilities. SBA loans provide the long-term financing needed without draining working capital, and the flexible use of funds allows for multi-purpose investments in a single loan.

Service Businesses & Professional Services

From restaurants to retail to professional services, Michigan's service economy is thriving—and SBA financing often provides the growth capital these businesses need.

We regularly fund SBA loans for:

• Restaurants and food service

• Retail operations

• Healthcare practices (dental, medical, veterinary)

• Professional services (accounting, legal, consulting)

• Franchises

• Hospitality and lodging

Common financing needs: Real estate acquisition (buying vs. leasing), business acquisitions, expansion to additional locations, major renovations, and working capital.

SBA Loan Qualification: Do You Qualify?

SBA loans are designed for established, profitable businesses—not startups. Here's what lenders look for:

Business Requirements

• Operating profitably for at least 2 years: Your business should have a track record of consistent revenue and profitability

• Annual revenue typically $500,000+: While there are exceptions, most SBA loans go to businesses with substantial revenue

• U.S.-based operations and ownership: Your business must be primarily located and operated in the United States

• SBA-eligible industry: Most industries qualify, but some (like lending, speculation, passive real estate) are restricted

Financial Qualifications

• Strong business credit profile: Your business should have a history of paying vendors, loans, and obligations on time

• Personal credit scores of 650+: SBA loans require personal guarantees, so your personal credit matters

• Demonstrated cash flow: Your business must show sufficient cash flow to support the new debt payment

• Owner investment: You'll typically need some "skin in the game"—usually 10-20% down depending on the loan type and purpose

Project Requirements

• 7(a) loans can be used for almost any business purpose (acquisition, real estate, equipment, working capital, debt consolidation)

• 504 loans must be used for owner-occupied real estate or fixed equipment

• All loans must demonstrate business benefit: The SBA wants to see job creation, economic development, or business strengthening

Not sure if you qualify? That's exactly why we offer a free consultation. We'll review your situation, identify any potential obstacles, and structure your application to maximize approval likelihood—before we ever submit to a lender.

Current SBA Interest Rates & Market Conditions (2025)

Let's be transparent about rates: SBA loans are not "cheap money." They're competitive, long-term financing that enables substantial business investments.

Current SBA 7(a) rates (as of September 2025): Typically range from 10.5% to 15.5% depending on loan size, term, and business strength. Rates are calculated as a spread over the prime rate (currently 7.5%).

Current SBA 504 rates: Fixed rates for 20-25 years, typically in the 10-13% range depending on market conditions and loan structure.

Why SBA rates are worth it:

• Extended terms: 10-25 years means lower monthly payments and better cash flow

• Substantial loan amounts: $150K to $5M+ enables transformational investments

• Versatile use of funds: One loan can handle multiple business needs

• Fixed-rate options: 504 loans lock in your rate for the life of the loan

• No prepayment penalties: Pay off early if you want without penalties (on most SBA loans)

Here's the real advantage: It's not just about the rate. It's about accessing capital that would otherwise be unavailable or far more expensive through alternative financing. A 12% SBA loan over 25 years is dramatically more affordable than a 20-30% short-term loan over 3-5 years.

And with LVRG's lender relationships: You're likely getting better rates than you would shopping banks on your own—plus faster approvals and better terms.

The LVRG SBA Process: Simple, Fast, Expert-Guided

Step 1: Free Consultation & Deal Analysis

We start with a conversation about your business, your goals, and your capital needs. This isn't a "sales pitch"—it's a strategic discussion about whether SBA financing makes sense for your situation and which program is the best fit.

We'll review your financials at a high level, identify any potential qualification issues, and give you an honest assessment of your approval likelihood.

Step 2: Deal Packaging & Pre-Underwriting

Once we agree to move forward, we gather the necessary documentation (financial statements, tax returns, business plan, project details) and package everything into a professional loan submission.

Here's where our expertise matters: We don't just forward your documents to a bank. We pre-underwrite your deal internally, anticipating lender questions and structuring the application to highlight your strengths and address any weaknesses proactively.

Step 3: Lender Matching & Submission

We submit your deal to the optimal lender(s) from our network of 25+ top SBA banks. We're not guessing—we know which lenders excel at your industry, deal size, and loan purpose.

Why this matters: Submitting to the wrong lender wastes weeks or months and can result in unnecessary declines. We ensure your deal lands with a lender who will appreciate your business and move quickly.

Step 4: Underwriting & Approval (We Manage This)

Once submitted, the lender begins formal underwriting. This is where many deals stall with traditional banks—questions go unanswered, documentation requests pile up, and business owners get frustrated.

With LVRG: We're your advocate throughout underwriting. We handle lender questions, provide additional documentation quickly, and troubleshoot issues before they become problems. You're involved and informed every step of the way, but we do the heavy lifting.

Timeline: Most deals receive conditional approval within 2-3 weeks and SBA approval within 30-45 days.

Step 5: Closing & Funding

Once the SBA issues approval, we move to closing. Our lenders are efficient at closing, and we ensure all parties (you, the lender, attorneys, title companies) are coordinated and moving in sync.

Funding typically occurs within 1-2 weeks of SBA approval, and you have your capital ready to deploy for growth.

Total timeline from application to funding: 30-45 days for most deals, 60-90 days for large or complex transactions.

Compare that to 3-6 months (or longer) with random banks, and you'll understand why business owners choose LVRG.

Real Results: Michigan Businesses We've Helped Grow

Manufacturing Company Expansion – Grand Rapids

The Challenge: A tool and die manufacturer in Grand Rapids found an opportunity to purchase a competitor's facility and equipment, which would double their production capacity and eliminate a key competitor. They needed $2.1M but didn't want to drain their working capital.

The Solution: We structured an SBA 7(a) loan that financed both the real estate and equipment acquisition in a single loan. The 25-year term kept payments manageable, and the deal closed in 42 days.

The Result: The acquisition increased annual revenue by 65% in the first year and positioned the company as the dominant tool and die provider in West Michigan.

Construction Company Equipment Purchase – Detroit

The Challenge: A concrete contractor in Metro Detroit needed to purchase specialized equipment ($875K) to compete for larger commercial projects. Traditional equipment financing offered only 5-year terms with monthly payments that would strain cash flow.

The Solution: We secured an SBA 7(a) loan with a 10-year term, cutting the monthly payment nearly in half compared to conventional financing. The deal closed in 38 days.

The Result: The new equipment enabled the company to bid on (and win) projects they previously couldn't compete for, increasing annual revenue by 40% and adding 12 new employees.

Restaurant Group Expansion – Ann Arbor

The Challenge: A successful restaurant owner wanted to open a second location in a prime Ann Arbor space. The real estate purchase plus buildout required $1.8M, but conventional commercial real estate loans required 30% down and had 10-year balloon payments.

The Solution: We structured an SBA 504 loan with only 10% down and a fixed rate for 25 years, preserving working capital for operations and eliminating refinance risk.

The Result: The new location became the flagship restaurant within 18 months, and the owner is now planning a third location using the same SBA financing strategy.

Why Speed Matters: The Cost of Delay

Every month you delay securing capital is a month of lost growth, missed opportunities, and competitive disadvantage.

Real costs of slow SBA financing:

• Lost opportunities: That perfect facility, equipment, or acquisition won't wait 6 months for bank approval

• Continued high-cost debt: If you're paying 20-30% on short-term financing, every month of delay costs you thousands

• Competitive disadvantage: Your competitors are investing and growing while you're waiting on bank responses

• Revenue loss: Growth projects that could be generating revenue are stuck on hold

LVRG's 30-45 day timeline isn't just about convenience—it's about capturing opportunities while they're available and getting growth capital deployed when it matters most.

SBA Loans vs. Alternative Financing: What's Right for You?

SBA loans aren't always the answer—but for established businesses making substantial investments, they're often the smartest choice.

When SBA Loans Are Ideal:

• You need $150K to $5M+ in growth capital

• You're making long-term investments (real estate, equipment, acquisitions)

• You want manageable monthly payments and predictable terms

• You have strong credit and financial performance

• You can wait 30-60 days for funding

When Alternative Financing Makes More Sense:

• You need capital immediately (within days, not weeks)

• You need smaller amounts ($10K-$100K)

• Your business is newer (under 2 years)

• Your credit is rebuilding

• You need very short-term working capital

The good news: LVRG offers the full spectrum of business financing. If SBA isn't the right fit, we have alternative solutions that might work better for your situation. We're not just "SBA specialists"—we're business financing experts who happen to excel at SBA loans.

Frequently Asked Questions: SBA Loans

How long does the SBA loan process take with LVRG?

Most deals are approved and funded in 30-45 days. Larger or more complex deals might take 60-90 days. Compare that to 3-6 months (or more) with traditional banks.

Do I pay LVRG for your services?

No. We're compensated by our lending partners, so our services are 100% free to you. You get expert guidance, faster approvals, and better terms at zero cost.

What if I've already been declined by a bank for an SBA loan?

Bank declines don't mean you don't qualify—they often mean you applied to the wrong bank or your deal wasn't structured properly. We'll review your situation and, if you're qualified, match you with a lender who will appreciate your business.

Can I get an SBA loan if my credit isn't perfect?

It depends. We typically look for personal credit scores of 650+, but we've closed deals with lower scores when other factors (strong business performance, substantial down payment, excellent collateral) offset credit concerns. Let's have a conversation about your situation.

What's the minimum loan amount?

We focus on SBA loans from $150K to $5M+. If you need less than $150K, we have alternative financing options that might be a better fit.

Do SBA loans have prepayment penalties?

Most SBA 7(a) loans have no prepayment penalties, meaning you can pay off the loan early without penalties. Some SBA 504 loans may have small prepayment penalties in the first few years. We'll explain the specific terms of your loan during the process.

Can I use an SBA loan to refinance existing debt?

Yes. SBA 7(a) loans can be used to refinance existing business debt, often at lower rates and with longer terms that improve cash flow. However, the refinanced debt must be business debt (not personal debt) and must meet SBA guidelines.

I'm not in Michigan. Can you still help me?

Absolutely. While we're headquartered in Metro Detroit and have deep Michigan roots, we fund SBA loans nationwide. Our lender network operates in all 50 states.

What industries do you work with?

We work across virtually all industries: construction, manufacturing, service businesses, retail, restaurants, healthcare, professional services, and more. Some industries (passive real estate investment, lending, speculation) are restricted by SBA guidelines, but most businesses qualify.

Stop Wasting Time with Banks That Can't Deliver

Here's the bottom line: You can spend the next 3-6 months calling banks off Google, emailing local banks that never respond, submitting applications to lenders who don't have the SBA expertise or appetite to get your deal done—and likely end up frustrated with nothing to show for it.

Or you can work with the platform that Michigan banks themselves refer their clients to.

We have the relationships, the expertise, and the track record to get your SBA loan approved and funded in 30-45 days—with better terms than you'd get on your own, white-glove service throughout the process, and zero cost to you.

The choice is simple.

Get Started Today: Your Free SBA Consultation

Ready to explore SBA financing for your Michigan business? Let's start with a straightforward conversation about your goals, your capital needs, and whether SBA financing is the right fit.

No pressure. No generic sales pitch. Just honest guidance from SBA experts who've closed hundreds of deals.

Three Ways to Connect:

1. Call Us Directly: (855) 998-5874
Speak with an SBA specialist who can answer your questions and schedule a consultation.

2. Apply Online:
Complete our simple online application and we'll review your situation within 24 hours.

3. Schedule a Consultation:
Book a time that works for your schedule and we'll have a detailed discussion about your financing options.

About LVRG: Michigan's Most Trusted SBA Platform

LVRG is a boutique business financing company headquartered in Metro Detroit with a national lending footprint. We specialize in helping established, profitable businesses access growth capital through SBA loans, equipment financing, working capital solutions, and alternative lending programs.

What makes us different:

• Top 25 SBA lender network: We've vetted and partnered with the country's most aggressive, efficient SBA banks

• White-glove service: We handle the heavy lifting so you can focus on running your business

• Bank-paid model: Our services are 100% free to business owners

• Speed: 30-45 day closings vs. 3-6 months with traditional banks

• Special pricing: Our clients often receive better rates and terms due to our lender relationships

• Michigan expertise: We understand Michigan businesses and the unique opportunities and challenges in our state

We're the platform Michigan banks refer their clients to—and we're ready to help you access the SBA financing your business deserves.

Related SBA Financing Resources

SBA 7(a) Loans for Business Acquisitions: Thinking about buying a competitor or complementary business? Learn how SBA 7(a) loans can finance up to 90% of the purchase price.

SBA 504 Loans for Manufacturing: Discover how Michigan manufacturers are using SBA 504 loans to purchase facilities and equipment with low down payments and fixed rates.

SBA Loans for Construction Companies: See how contractors, electricians, plumbers, and other trades businesses are leveraging SBA financing for equipment and growth.

SBA 504 Green Energy Loans: Explore how businesses incorporating renewable energy and energy efficiency improvements can access enhanced loan limits and benefits.

Ready to Access SBA Financing for Your Michigan Business?

Stop wasting time with banks that can't deliver. Get your SBA loan approved and funded in 30-45 days with Michigan's most trusted SBA platform.

Call Now: (855) 998-5874

Speak directly with an SBA specialist who can answer your questions and start your application today.

Or Click Below to Get Started:

APPLY NOW - Get Your Free SBA Consultation

Complete our simple online application and receive a response within 24 hours. No obligation, no cost, just expert guidance on your SBA financing options.

Remember: Our services are 100% FREE. You pay nothing. We're compensated by our lending partners, so you get expert guidance, faster approvals, and better terms at zero cost to you.

Don't let another day go by watching your competitors grow while you're stuck waiting on banks.

Call (855) 998-5874 or apply online now.