Answer Capsule: A business loan broker in Ann Arbor matches your company to institutional lenders offering SBA 7(a), working capital, equipment financing, commercial real estate loans, lines of credit, and invoice factoring without originating funds themselves.
Small business
Answer Capsule: A small business loan broker assembles your financial profile, submits it to banks and non-bank lenders in parallel, compares pricing structures, and negotiates closing timelines. You receive a side-by-side summary that shows origination fees, prepayment penalties, and broker compensation so no charge appears at closing that you did not approve in writing.
We do not fund transactions. Instead, Ironcrest Lending Group maintains relationships with regional banks, credit unions, SBA Preferred Lender Program institutions, and alternative finance companies that compete for creditworthy deals. When a Main Street bakery in Saline needs a commercial oven or a logistics firm in Ypsilanti wants to bridge receivables, we route the inquiry to the lender whose underwriting appetite fits the collateral and cash-flow profile. That parallel submission cuts weeks from the search and prevents the credit-score damage of serial denials.
Because we operate as a business lending broker, our disclosure obligations differ from direct lenders. Michigan law and federal TILA rules require us to itemize broker fees separately on every term sheet, and we honor that mandate by listing our compensation, lender fees, and third-party costs in a single summary you review during the application phase.
Loan programs
### SBA 7(a) Loans
Answer Capsule: An sba loan broker packages your business plan, personal and business tax returns, interim financials, and lease or purchase agreement, then submits the file to SBA Preferred Lenders who can delegate authority and close in thirty to forty-five days. The guarantee reduces lender risk, which often translates to longer amortizations and lower down-payment requirements than conventional commercial credit.
Typical uses in Ann Arbor include acquiring a competitor, refinancing high-cost merchant cash advances, or buying the building your restaurant occupies on Liberty Street. We walk you through the SBA Form 1919 and coordinate with your CPA so revenue projections align with historical margins.
### Working Capital Facilities
Short-term working capital bridges payroll during seasonal dips or funds inventory before a product launch. Ann Arbor Township manufacturers restocking raw materials and Dexter retailers preparing for summer tourist traffic both rely on revolving structures that price against receivables or inventory advance rates.
### Equipment Financing
Answer Capsile: Equipment finance broker services match the asset's useful life to the loan term, so a CNC machine with a ten-year depreciation schedule receives a seven-year amortization while a delivery van finances over four years. Lenders file UCC-1 liens on titled or registered equipment, and many programs require only first and last payments at closing instead of traditional twenty-percent down.
### Commercial Real Estate Loans
Permanent financing for owner-occupied warehouses, mixed-use buildings on South State Road, or retail storefronts in downtown Ann Arbor typically carries ten- to twenty-five-year amortizations with five- or seven-year balloons. We coordinate appraisals, Phase I environmental reports, and title work so closings align with lease expirations or purchase-agreement deadlines.
### Business Lines of Credit and Invoice Factoring
Revolving lines of credit suit professional-services firms in Superior Township that bill monthly, while broker factoring companies advance eighty to ninety percent of invoice face value within twenty-four hours for freight brokers and staffing agencies waiting on net-thirty or net-sixty payment terms.
How it works
Call (734) 275-4683 or visit our office at 5210 S State Rd, Ann Arbor, MI 48108 with twelve months of business bank statements, two years of business and personal tax returns, a current balance sheet and profit-and-loss statement, and a one-page summary of how you will deploy the capital. We issue a written fee agreement that lists our broker compensation as a flat dollar amount or percentage, then submit your package to three to five lenders within forty-eight hours. You compare term sheets, choose the offer that balances cost and flexibility, and we coordinate diligence through closing.
Every term sheet we deliver separates lender charges, third-party fees, and our broker fee into distinct line items. If a lender pays us directly, that amount appears on your settlement statement so you understand the total transaction cost. This transparency aligns with our belief that hidden fees erode trust and distort true borrowing expense.
A heating-and-cooling contractor based in Scio Township wanted to add two service trucks and diagnostic equipment before the fall furnace season. The owner had been quoted a merchant cash advance that deducted daily from credit-card receipts but carried no clear annual percentage cost. We structured an equipment-finance proposal with a monthly payment, a stated term, and a dollar-one buyout. The contractor compared the total repayment figure to projected service revenue and closed three weeks later, in time to dispatch crews across Webster Township and Dixboro.
Answer Capsule: Working with a business loan broker near me gives you negotiating leverage, market intelligence on which lenders approve deals like yours, and a buffer that handles re-submission if underwriting requests additional documents. You pay for expertise once instead of hiring staff to chase multiple banks, and you receive cost transparency that direct-lender marketing rarely provides upfront.
Many Ann Arbor entrepreneurs assume brokers add expense, but lender competition often produces better pricing than a single-bank relationship. When you approach one institution, that credit officer has no incentive to sharpen terms. When three lenders know they are bidding against peers, rate buydowns and fee waivers appear. Our role is to create that competitive tension and document every cost so you can model cash flow accurately.
Serving the Ann Arbor area
We know which lenders fund which kinds of Ann Arbor businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
