SBA district office
Michigan District Office
Your SBA application is processed through this district office. ICG works with SBA-approved lenders to deliver 7(a) and 504 loans for Michigan businesses.
Visit SBA district pageSBA 7(a) Loans · Michigan
SBA 7(a) Loans in Michigan. Underwritten with local context.
The SBA 7(a) loan program is the largest and most flexible government-backed small-business loan. With up to $5M in financing, 25-year terms, and Prime-tied rates, it's the lowest cost of capital available for qualifying businesses willing to complete the full application. Available to Michigan businesses that meet ICG's underwriting criteria. Minimum FICO 650+, minimum revenue $30K/mo.
- Max funding
- $5M
- Term
- Up to 25 years
- Time to fund
- 45–90 days
- Min FICO
- 650+
The short answer
Does ICG offer sba 7(a) loans in Michigan?
Yes. ICG funds sba 7(a) loans for Michigan businesses that meet our standard underwriting criteria. Minimum FICO 650+, minimum revenue $30K/mo, and 6+ months in business.
Last updated 2026-06-24
Michigan disclosure rules
Michigan has no state-specific commercial financing disclosure law. ICG discloses APR on every offer regardless.
Federal Truth in Lending Act (TILA) does not apply to commercial loans, and Michigan has not enacted a state-specific commercial financing disclosure regime as of 2026. ICG voluntarily discloses APR ranges and total repayment on every offer regardless of state mandate. See our transparency policy for the full disclosure framework.
Michigan lending infrastructure
Where to file, who to contact. What to expect, in plain language.
UCC central filing
Michigan UCC filings
UCC-1 financing statements for Michiganbusinesses are filed with the state's central filing office. Most ICG products require a UCC filing. See our UCC filing glossary entry for what to expect.
Open Michigan UCC officeMichigan context
Where Michigan sba 7(a) loans typically lands. Local metros, local verticals.
Top Michigan metros
- Detroit
- Grand Rapids
- Warren
- Ann Arbor
Top Michigan industries
- Manufacturing
- Automotive
- Healthcare
- Agriculture
Eligibility
What we look for in Michigan files. Underwriting, in plain language.
- Minimum 2 years in business
- $30,000+ monthly revenue
- 650+ personal credit score
- US-based for-profit business
- Current on all government obligations (taxes, student loans, child support)
- Unable to secure credit elsewhere on reasonable terms
- 2–3 years of tax returns and financial statements
Common questions
SBA 7(a) Loans in Michigan. Honest answers, no fine print games.
QDoes ICG offer sba 7(a) loans in Michigan?
Yes. ICG funds sba 7(a) loans for Michigan businesses that meet our standard underwriting criteria. Minimum FICO 650+, minimum revenue $30K/mo, and 6+ months in business.
QWhat disclosure laws apply to commercial financing in Michigan?
Michigan has not enacted a commercial financing disclosure law specific to non-bank lenders as of 2026. Federal Truth in Lending Act protections do not extend to commercial loans, but ICG voluntarily discloses APR ranges on every offer.
QHow fast does sba 7(a) loans fund for a Michigan business?
45–90 days from signed contract for most Michigan files. Larger deals or those requiring additional documentation may take longer.
QWhere are UCC filings made for Michigan businesses?
UCC-1 financing statements for Michigan businesses are filed with the state's central filing office (see https://www.michigan.gov/sos/faqs/industry-services/uniform-commercial-code). ICG files a UCC where required by the product (most term loans, equipment financing, and revenue-based funding).
Other ICG products available in Michigan
Browse the rest of the catalog. Same state. Different shapes of capital.
ICG Funding (legal entity Infinite Capital Group) complies with applicable state commercial financing disclosure laws.
Ready when you are
Apply for sba 7(a) loans in Michigan. 45–90 days to fund.
Quick application. Soft credit pull only. Real human review.