Get $50K-$2M Loans Approved in 7-14 Days in Michigan

Why Choose Us for Your Business Loan

We're not loan brokers: We're your advocates. We fight for best terms, not highest commissions. Your success equals our success.

One application, many lenders: Stop filling out endless applications. We submit to 20-30 lenders who fund Michigan businesses.

No upfront fees, ever: You pay nothing unless funded. We're paid by lenders, not you. No application fees, no processing costs.

Local market knowledge: We know Michigan business cycles, seasonal impacts, industry trends. National brokers miss these critical factors.

Speed when needed: While banks delay, opportunities disappear. We get answers in days, not months.RetryClaude can make mistakes. Please double-check responses.

• How much can I borrow through Michigan Business Advocates?

  Typically $50K to $2M depending on your revenue and cash flow. Most businesses qualify for 10-20% of annual revenue. Stronger businesses can access more. We work with 50+ lenders to maximize your borrowing potential.

• What interest rates are available?

  Rates range from 6% to 18% depending on loan type, amount, term, and business strength. Much better than merchant cash advances or credit cards. We negotiate with multiple lenders to get you the lowest possible rate.

• How fast can I get a business loan?

  Unlike banks taking 3-4 months, our lenders approve in 7-14 days. Funding follows shortly after. Some working capital loans fund in 3-5 days. We prioritize speed without sacrificing terms.

• What if banks already rejected me?

  Perfect. Banks reject 80% of applications. We work with lenders who approve what banks reject. Different criteria, better understanding of real businesses. Your bank rejection doesn’t determine your options with us.

• Do I need perfect credit?

  No. While better credit helps, many lenders focus on business performance. We’ve secured loans for owners with scores under 600. Revenue matters more than personal credit for many of our lending partners.

• What collateral is required?

  I am a so called subtitle.

  Depends on loan type. Many loans are unsecured or secured only by business assets. No personal residence requirements like banks often demand. We find lenders that match your collateral situation.

• How long are loan terms?

  From 1-10 years depending on purpose and amount. Working capital typically 1-3 years. Equipment 3-7 years. We match terms to your cash flow needs, not lender preferences.

• Can Michigan startups get business loans?

  Most lenders want 1+ years in business and $100K+ annual revenue. True startups need different funding. We focus on established Michigan businesses ready for growth capital.

• What's the difference between Michigan Business Advocates and loan brokers?

  We’re advocates, not brokers. We fight for your best terms, not highest commissions. We know Michigan’s business cycles, work with local and national lenders, and only get paid when you get funded with terms that work.

• What types of business loans do you help Michigan businesses get?

  Everything from working capital and equipment financing to SBA loans and debt consolidation. Term loans, lines of credit, invoice factoring, and refinancing. If it’s business funding, we handle it.

• Do you charge upfront fees?

  Never. We’re paid by lenders when you successfully fund. You pay nothing unless you get the capital you need. No application fees, no processing costs, no hidden charges.

• Can you help Michigan seasonal businesses?

  Absolutely. We understand Michigan’s tourism and seasonal patterns. Our lenders offer flexible payment structures that match seasonal cash flows. Many offer lower payments during slow months.

• What documents will I need to apply?

  Basic items: 3 months bank statements, 2 years tax returns, business financial statements. We tell you exactly what’s needed and help gather documents. We make it as simple as possible.

• How do you match me with the right lender?

  We analyze your industry, revenue, credit profile, and funding needs against our 50+ lender network. We know which lenders approve Michigan manufacturers, service businesses, retailers, and contractors. No guessing – targeted matching.

• What if I already have business debt?

  We can help consolidate multiple debts into one manageable payment. Many clients reduce their total payments by 20-60% through refinancing. Existing debt doesn’t disqualify you – it might be an opportunity to save money.

• Why should I trust Michigan Business Advocates with my business loan needs?

  30+ years helping Michigan businesses, $5M+ in successful funding, 85% approval rate, and deep knowledge of local business challenges. We’re Michigan-based, understand your market, and succeed only when you do.