COMMERCIAL FINANCING, HANDLED.
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 rates. Creative financing structures. Expert advisory. One firm, entirely on your side of the table.
Our Story
LVRG Business Funding is Michigan's leading boutique commercial finance company. For more than two decades, LVRG has structured and closed commercial financing transactions for hundreds of growing companies across Michigan, a reputation earned deal by deal, relationship by relationship, through an uncompromising standard of execution.
LVRG works as a full-service capital advisor and deal executor, delivering conventional business loans, working capital lines of credit, asset-based lending, and owner-occupied commercial real estate financing through deep relationships with top local Michigan banks, national institutions, and specialized commercial lenders actively deploying capital. 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. Across all of them, it is the depth and volume of LVRG's lending relationships that produces results most businesses never access: wholesale rates and the ability to structure creative financing solutions built around each client's specific situation and growth objectives.
Michigan's business owners doing $1 million to $25 million in annual revenue, with a deep concentration in manufacturing, have one resource that operates entirely on their side of the table, with the institutional relationships, the deal intelligence, and the proven track record to make it matter. That resource is LVRG.
Charles M. Barr
CEO, LVRG Business Funding
Don't just take our word for it...
Chris Sciacca
Owner, CCS Design, Commerce Township, MI
The Deal Behind the Deal
Most business owners think securing financing is about finding a lender and submitting an application. It's not. It's about how the deal is structured, how the business is presented, and who's managing the process on your side of the table.
Every engagement starts with understanding your business: your financials, cash flow, debt profile, risk factors, and growth objectives. We analyze everything before a lender ever sees it, then build an institutional-grade loan package that positions your business for approval before it reaches a banker's desk.
From there, we manage the entire process, including lender selection, submissions, term negotiation, underwriting, and due diligence, while coordinating with your attorneys, accountants, and any third parties involved. From first conversation through closing and funding, we're your advocate, your problem-solver, and your capital advisor.
That's what most people never see. The structuring that turns a maybe into a yes. The positioning that gets a deal approved at better rates and stronger terms. The negotiation that happens before you ever sign a document. The follow-through that keeps every moving piece on track so the funding lands when you need it.
That's what LVRG does. That's the deal behind the deal.
Your company is ready for more — more space, more capacity, more opportunity; LVRG is ready to make 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. 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.
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.
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