COMMERCIAL FINANCING,
BUILT AROUND YOUR BUSINESS.
Boutique commercial finance for Michigan's manufacturers and lower middle market companies. Conventional business loans, working capital lines of credit, asset-based lending, and owner-occupied commercial real estate financing, from $500K to $15M. Wholesale bank rates. Creative loan structures & capital stacks. Expert advisory. One firm, entirely on your side of the table.
Why LVRG
LVRG Business Funding is a leading boutique commercial finance company in Michigan. For more than two decades, LVRG has structured and closed commercial financing transactions for hundreds of growing businesses across the state, a reputation earned deal by deal, relationship by relationship.
LVRG works as a full-service lender, capital advisor, and deal executor, funding transactions directly off our own bank lines, and arranging financing through deep, long-standing relationships with top local Michigan banks, national institutions, and specialized commercial lenders. Local banking partners bring relationship-driven underwriting, credit committees, and bank presidents who know Michigan businesses personally. National and specialized lenders bring program depth and larger capital capacity.
Every lender has a different specialty, a different risk appetite, and a different capital base. LVRG's job is knowing exactly who does what, and assembling the right combination for each client, whether that means our own capital, a bank partner's paper, or a specialized lending partner, resulting in wholesale rates and creative financing solutions built around their specific situation and growth objectives. That is what makes LVRG the full package: one firm capable of funding directly, underwriting alongside a bank, or structuring through a specialized lending partner, whichever the situation calls for.
Michigan's business owners doing $1 million to $25 million in annual revenue, with a deep concentration in manufacturing, have one ally that operates entirely on their side of the table, with direct lending capability, institutional relationships, and a proven track record to back it up.
That ally is LVRG.
Charles M. Barr
CEO, LVRG Business Funding
Bigger Starts Now, with LVRG.
Bigger Starts Now, with LVRG.
From the Closing Table
A selection of recently funded transactions for Michigan companies.
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$11,100,000 Commercial Real Estate Loan & Working Capital Line of Credit — Auburn Hills, MI
A $9,100,000 commercial real estate loan and a $2,000,000 working capital line of credit, secured by accounts receivable, were provided to a manufacturer in Auburn Hills, Michigan. The financing was used to purchase a substantially larger facility and support operations and growth.
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$6,250,000 Asset-Based Line of Credit — Utica, MI
A $6,250,000 asset-based line of credit, secured by accounts receivable and inventory, was provided to an automotive supplier in Utica, Michigan. The financing was used for working capital purposes.
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$9,300,000 Commercial Real Estate Loan & Working Capital Line of Credit — Warren, MI
A $6,800,000 commercial real estate loan and a $2,500,000 working capital line of credit, secured by accounts receivable, were provided to a tool & die manufacturer in Warren, Michigan. The financing was used to purchase a larger facility and fund growth.
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$4,800,000 Working Capital Line of Credit — Grand Rapids, MI
A $4,800,000 working capital line of credit, secured by accounts receivable, was provided to a metal fabricator in Grand Rapids, Michigan. The financing was used for working capital purposes.
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$5,550,000 Commercial Real Estate Loan & Working Capital Line of Credit — Kalamazoo, MI
A $4,300,000 commercial real estate loan and a $1,250,000 working capital line of credit, secured by accounts receivable, were provided to a wire and cable manufacturer in Kalamazoo, Michigan. The financing was used to refinance the company's building and provide ongoing working capital.
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$1,500,000 Commercial Loan — Port Huron, MI
A $1,500,000 commercial loan was provided to a machine shop in Port Huron, Michigan. The financing was used to purchase equipment and add capacity.
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$3,400,000 Commercial Real Estate Loan — Roseville, MI
A $3,400,000 commercial real estate loan was provided to a plastics manufacturer in Roseville, Michigan. The financing was used to purchase a new building and consolidate two locations.
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$2,250,000 Asset-Based Line of Credit — Sterling Heights, MI
A $2,250,000 asset-based line of credit, secured by accounts receivable and inventory, was provided to a metal stamper in Sterling Heights, Michigan. The financing was used to pay off an existing lender and for working capital purposes.
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$1,800,000 Commercial Loan — Clinton Township, MI
A $1,800,000 commercial loan was provided to a concrete company in Clinton Township, Michigan. The financing was used to refinance existing equipment debt, purchase additional trucks, and support the company's growth.
Every growing company reaches the moment when the next step needs capital. A bigger building. More equipment. Working capital that doesn't wait on your receivables. When your moment comes, LVRG makes sure the financing is designed, delivered, and done.
When Growth Starts Costing Something
Most manufacturers don't hit a sales problem. They max out.
The machines are running at full speed. The shop is packed. There are only so many hours in a day, only so many machines on the floor, and only so much square footage to work inside. You've got work you can't get to because you're still catching up on the orders already in process.
That's not a company in trouble. That's a company with more demand than it can physically serve. It's one of the best problems a company can have.
But it's also the point where getting bigger stops being free. Up to now, growth came from working harder. From here, it costs something. More space. More equipment. More people. Every one of those is a purchase.
Now, if you're still reading, you're probably thinking: what do I need these guys for? I'll just go to my bank.
And if you're reading this at all, chances are you already have.
Here's something most owners don't know. LVRG has spent more than two decades in this business, with relationships inside most of the banks in this state, and we can tell you that lending capacity is limited and banks are selective with it. They take the cleanest files and decline the rest. That has very little to do with the quality of your company. Good companies get turned down every day in Michigan because they don't fit what that institution is writing that quarter.
Meanwhile you've lost three or four months. The seller doesn't wait forever, and he'll sell that building to someone who has the financing. The opportunity that needs cash is slipping. The work you can't get to keeps stacking up.
A third-generation tool and die shop in Shelby Township was out of room. Machines running eighteen hours a day, seven days a week, a $35 million backlog he couldn't touch, and a signed purchase agreement on a building four times the size.
Five banks. Three and a half months. Nothing. The seller was getting restless and the deal was close to falling apart.
Then the owner found us.
We issued a term sheet at 6.25% on $2.9 million, a half point under prime, with three months interest-only to cover the transition, plus a $250,000 working capital line for renovation and moving costs. He signed the commitment letter.
About a month later, his bank of fifteen years finally came back with a term sheet of its own. 7.5%, ten years. No interest-only period to give them a little ramp-up period during their move. No working capital line of credit to sweeten the deal. Nothing. Just a very basic cookie-cutter loan, take it or leave it.
He left it. We closed.
He's in the new building now, twenty thousand square feet, finally able to get at that $35 million backlog.
That wasn't luck. That's the work.
Your company is ready for more… More space. More capacity. More opportunity. LVRG makes the financing show up when you need it!
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Growing Michigan companies doing $1 million to $25 million in annual revenue, with a deep concentration in manufacturing. Companies with real operations, real growth plans, and financing needs that deserve more than a one-size-fits-all product.
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Conventional business loans, working capital lines of credit, asset-based lending, and owner-occupied commercial real estate financing, structured to support the way your business actually runs and grows.
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Most financing transactions range from $500,000 to $15 million, whether the need is a single loan, a working capital line of credit, or a coordinated structure designed around the next stage of growth.
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Because of our volume, our banking relationships, and two decades of closed transactions, LVRG delivers wholesale pricing, frequently at or below prime depending on the transaction. The rate is the outcome of how a deal is structured and presented, and that is exactly the work we do.
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Every financing structure carries its own underwriting path. A straightforward working capital line of credit can close in as little as two to three weeks, while owner-occupied commercial real estate financing runs longer, since appraisals and third parties enter the timeline. Conventional business loans and asset-based lending fall in between, depending on the financing structure and complexity involved. Because LVRG builds the complete, institutional-grade loan package up front and manages every moving piece from first call to closing, the file is never waiting on us. Deals move as fast as the deal allows, and a responsive borrower is the fastest path to a closed one.
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LVRG serves businesses across Michigan, with deep concentration in the manufacturing corridors of Macomb and Oakland Counties, including Sterling Heights, Warren, Shelby Township, Clinton Township, and Auburn Hills, along with Grand Rapids and Holland in West Michigan, and Port Huron. Wherever the company operates in the state, the process and the standard are the same.
"It's the best call you'll ever make."
Chris Sciacca
Owner, CCS Design, Commerce Township, MI
What We Believe
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Built From the Ground Up
Nobody handed us a book of business. There was no name on the door before ours. Every relationship this firm has was earned at a closing table, one deal at a time, over more than twenty years. It's a harder way to build a company, and it's the reason we understand what it took to build yours.
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A Reputation Is the Only Thing We Can't Rebuild
Capital can be raised. Relationships can be repaired. A name, once it's damaged, follows you through every room in this state for the rest of your career. We have walked away from transactions at the closing table when something wasn't right, because no fee has ever been worth more than what we'd have given up to earn it.
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Trust Is the Entire Business
Every client we've had, every bank that takes our call, every partner who does a deal with us came from somebody deciding we were worth trusting. Strip that out and there is no firm here. That isn't a sentiment. It's the structure of this company, and it's why we're careful with people.
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The Numbers Are Where You Start, Not Where You Stop
A ratio tells you whether a company can service debt. It doesn't tell you why last year was hard, what the operator is capable of, or what's sitting on the balance sheet that nobody bothered to look at. Getting to that takes time, and taking that time is most of the job.
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Financing a Company Means Touching Something a Family Built
Behind most of the businesses we work with is a founder, a second generation, employees who've been there twenty years, and a name on the building that means something to somebody. We're aware of what's actually riding on these decisions, and we don't treat them as transactions.
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We Consider It a Privilege to Be Let Into Someone's Story
When you open your books, you're showing us more than financials. You're showing us the wins, the mistakes, and the year you'd rather not explain. That's not something we're owed. We've never treated it as routine, and we never will.