Small Business Loans in Ann Arbor, MI, All Programs

What we broker

Loan programs for Ann Arbor businesses

SBA Loans

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

SBA 7(a) Loan

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Business Line Of Credit

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Working Capital Loans

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Small Business Loans

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Short Term Business Loans

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Merchant Cash Advance

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Unsecured Business Loans

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Startup Business Loans

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Business Acquisition Loans

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Accounts Receivable Financing

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Invoice Factoring

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Revenue Based Financing

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Same Day Business Loans

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Business Lenders Near Me

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Business Loan Broker

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Commercial Loan Broker

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Equipment Financing

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Dental Practice Loans

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Medical Practice Loans

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Restaurant Loans

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Trucking Business Loans

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Commercial Construction Loan

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Hotel Loans

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Salon Business Loans

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Retail Business Loans

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Auto Repair Shop Financing

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Ecommerce Business Funding

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Food Truck Financing

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Loan For Gym Business

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Manufacturing Equipment Financing

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Agriculture Equipment Financing

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Landscaping Equipment Financing

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Farm Credit Financing

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

SBA Loan For Daycare

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

SBA Loan For Franchise

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

SBA Express Loan For Veterans

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Women Owned Business Funding

Fast, local guidance and lender matching for Ann Arbor businesses.

Learn more

Are You Looking for Business Loans in Ann Arbor?

Answer: Ironcrest Lending Group brokers commercial business loans in Ann Arbor, MI, including SBA 7(a), working capital, equipment financing, commercial real estate, business lines of credit, and invoice factoring. We serve Ann Arbor, Scio Township, Lodi Township, Pittsfield Township, Ann Arbor Township, Webster Township, Dixboro, Saline, Dexter, Ypsilanti, and Superior Township from our office at 5210 S State Rd, Ann Arbor, MI 48108. Call (734) 275-4683.

Ann Arbor's small-business landscape stretches from Main Street retail to advanced manufacturing along Eisenhower Parkway, and each sector carries distinct capital needs. Whether you operate a gastropub near Kerrytown Market or manage a medical-device supplier in the South Industrial corridor, the funding structure that works depends on cash-flow cycles, collateral, and growth timeline. As a licensed commercial-loan broker, Ironcrest Lending Group connects Ann Arbor business owners to lenders nationwide, then walks you through pricing, terms, and true all-in cost before you sign.

Read more

Cost transparency means showing the effective rate, origination fees, prepayment penalties, and monthly obligation in one place. Too many brokers quote a headline rate and bury fees in closing documents. We reverse that: every program summary below includes the cost components you will encounter, so you can compare options with confidence.

Why Ann Arbor Businesses Choose a Local Broker

Ironcrest Lending Group operates from 5210 S State Rd, Ann Arbor, MI 48108, less than ten minutes south of downtown and a straight drive up US-23 for clients in Dexter, Ypsilanti, or Superior Township. We know the difference between a research spin-out seeking venture debt and a third-generation tool-and-die shop refinancing legacy equipment. That context shapes which lenders we approach, how we position your file, and which cost trade-offs matter most.

As a broker, we compare offers across multiple lenders instead of forcing every deal into one product menu. You see pricing side by side, ask questions before commitment, and move forward only when the numbers align with your growth plan. No application fee is charged until you select a program and authorize underwriting. Our revenue comes from lender-paid broker fees disclosed in your closing documents, never hidden markups on rate.

Read more

Ann Arbor's median commercial lease rate hovers near $18 per square foot triple-net in the downtown core and closer to $10 along the Ellsworth Road corridor, so occupancy cost alone demands careful cash-flow planning. Layering the wrong loan structure on top can turn manageable growth into a liquidity squeeze. We walk through monthly payment, balloon risk, prepayment flexibility, and covenant requirements so you understand the full obligation.

For a no-obligation consultation about business loans in Ann Arbor, call Ironcrest Lending Group at (734) 275-4683 or visit us at 5210 S State Rd, Ann Arbor, MI 48108. We also serve Scio Township, Lodi Township, Pittsfield Township, Ann Arbor Township, Webster Township, Dixboro, Saline, Dexter, Ypsilanti, and Superior Township. View our complete service areas or read more about our team.

At a glance

Every program we broker in Ann Arbor

Common questions

Common questions about business loans in Ann Arbor

What types of business loans are available in Ann Arbor, MI?+
Ann Arbor businesses can access SBA 7(a) loans, working capital, equipment financing, commercial real estate loans, business lines of credit, and invoice factoring. Each program suits different needs: SBA 7(a) for long-term growth, working capital for short-term cash flow, equipment financing for asset purchases, real estate loans for property acquisition, lines of credit for revolving liquidity, and factoring for receivables acceleration.
How long does it take to get approved for a business loan in Ann Arbor?+
Approval timelines vary by program. Working capital and invoice factoring can close in three to seven business days. Equipment financing typically takes one to two weeks. SBA 7(a) and commercial real estate loans require four to eight weeks due to appraisal, environmental review, and SBA processing. Ironcrest Lending Group coordinates documentation to keep your file moving efficiently through underwriting and closing.
Do I need collateral to qualify for a business loan?+
Collateral requirements depend on loan type and amount. SBA 7(a) and commercial real estate loans require specific collateral, often the purchased asset or property. Working capital loans may be unsecured or secured by receivables and inventory. Equipment financing uses the financed equipment as collateral. Business lines of credit can be secured or unsecured based on creditworthiness. Invoice factoring does not require traditional collateral because invoices are purchased outright.
Can startups get business loans in Ann Arbor?+
Startups face tighter underwriting because lenders prefer at least two years of operating history and tax returns. However, equipment financing and certain working capital products accept newer businesses if the owner has strong personal credit and industry experience. SBA 7(a) loans may be available to startups with a solid business plan, adequate owner equity, and collateral. Ironcrest Lending Group reviews your situation and matches you with lenders open to earlier-stage companies.
What documents do I need to apply for a business loan?+
Most lenders request two years of business tax returns, year-to-date profit-and-loss and balance-sheet statements, three months of business bank statements, a schedule of debts, and personal financial statements from owners holding 20% or more equity. Commercial real estate deals add property appraisals and rent rolls. Equipment financing requires vendor quotes. SBA loans include additional personal-background forms. Ironcrest Lending Group provides a checklist tailored to your chosen program.
How much does it cost to work with a loan broker in Ann Arbor?+
Ironcrest Lending Group does not charge upfront application or consultation fees. Our compensation comes from lender-paid broker fees disclosed in your loan closing documents. You see all costs, including origination fees, broker fees, and third-party expenses, before you commit. This structure aligns our success with yours: we earn only when you close a loan that meets your cost and term requirements.
What credit score do I need for a business loan?+
Credit-score requirements vary by program and lender. SBA 7(a) loans typically seek personal scores above 680. Working capital and equipment financing may accept scores in the 600 to 650 range if revenue is strong. Invoice factoring focuses on your customers' creditworthiness rather than your own score. Business lines of credit usually require scores above 650. Ironcrest Lending Group identifies lenders whose credit bands match your profile to maximize approval likelihood.
Which Ann Arbor neighborhoods and townships do you serve?+
Ironcrest Lending Group serves Ann Arbor, Scio Township, Lodi Township, Pittsfield Township, Ann Arbor Township, Webster Township, Dixboro, Saline, Dexter, Ypsilanti, and Superior Township. Our office at 5210 S State Rd, Ann Arbor, MI 48108 is centrally located for clients throughout Washtenaw County. Call (734) 275-4683 to discuss your business loan needs, whether you operate downtown, along the I-94 corridor, or in any surrounding community., Ironcrest Lending Group 5210 S State Rd, Ann Arbor, MI 48108 Ann Arbor, MI (734) 275-4683 Licensed commercial business-loan broker. Not a lender. Loan terms, rates, and fees are determined by third-party lenders and vary by creditworthiness, collateral, and program. No guarantee of approval or specific terms.

Ready to move on funding?

Talk to a local advisor and get matched to the right program, no obligation.

Apply for funding →
Apply for fundingCall now