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Bank Michigan

Small Business Administration (SBA) Lending

Small Business Loans to Fund Your Future

You can start small or expand your business with SBA Lending from Bank Michigan. Being the #1 SBA 7a lender in Washtenaw County means we know the right way to do SBA Loans. Unlike other banks, our SBA lending team is in-house and ready to take your small business to the next level. Partnering with us means you’ll work with lenders that truly care about making banking better, easier, and faster— for your future.

SBA loans involve several regulations, a large amount of paperwork, and often, a lengthy process. But our SBA Lending team has 45 years of expertise in this industry, and you can experience the difference. 

At Bank Michigan, we also offer various loan programs suited to your business, such as:

  • 7(a) Loans (up to $5 million) — This is a government-guaranteed loan for businesses that are starting out or are looking to expand. A 7(a) Loan is ideal for real estate and equipment purchases, long-term working capital, covering various business expenses, and refinancing purposes.
  • 504 Loans (up to $10 million)— A perfect loan for acquiring, improving and updating your business assets. You can use a 504 Loan for expenses such as purchasing a new building, construction, improving your accommodations, or updating your landscaping.
  • SBA Express Loans (up to $500,000) — This loan option is similar to a 7(a) in terms of the amount of capital offered, however, it has a faster processing time.

Looking for a Lending Solution?

Why is an SBA Loan Right for Your Business?

Do you have a dream project you want to start for your business but lack the funds? Have you exhausted your options with traditional loans? Maybe you’ve been considering applying for a government-backed loan for your business, but are unsure of your next step? Bank Michigan has an in-house SBA lending team that can find the loan that is right for you.

Small business loans are perfect for purchasing assets that can help your company expand. With an SBA loan, you can fund a start-up, start an expansion, stock your inventory, purchase real estate & equipment, and much more. Our SBA loans come with many perks to offer you the best lending options, including:

  • Competitive terms
  • Fully-amortizing loans (no balloons)
  • No loan covenants
  • One-on-one service
  • Longer amortization

Connect with Us to Learn About Our SBA Lending Options.

What Makes an SBA Loan with Bank Michigan Different?

We work to make your SBA loan experience simple, quick, and efficient. Our team of SBA lenders are here for you throughout the entire process, from qualification to servicing. An SBA loan with us includes low down payments, low monthly payments, and longer amortizations. We offer up to 10 year amortizations on working capital and equipment. The amortization of our real estate loans is up to 25 years. Our loans are flexible, versatile, and tailored to the needs of your business. Whether you’re trying to get your business to bloom or help it grow, an SBA loan is the way to go. 

Let’s start something new! Your small business dreams are possible with an SBA Loan from us. Do you want to learn more about our funding opportunities? Contact us online or enjoy a warm welcome (and hot coffee!) at our nearest branch. We can go over our small business loan options and you can meet our team and join us to experience Better. Thinking. Banking.

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Important Documents & Forms

Below are a few of the resources you'll need during the process of applying for a business loan with Bank Michigan. 

When you're ready to get started, please reach out to a business banker with any additional questions or stop by one of our branch locations for a personal visit.