Ann Arbor, MI · Commercial loan broker
A Ann Arbor, MI commercial loan broker. Many lenders, one application, and no cost to apply.
Why work with a broker in Ann Arbor: one application reaches many lenders, so you compare options instead of chasing banks one at a time. No cost to apply.
Ironcrest Lending Group brokers commercial financing for Ann Arbor businesses, matching you with lenders who compete for your file. We work with manufacturers in Scio Township, medical practices along Plymouth Road, tech startups near the Research Park, and retailers in Kerrytown. Every quote includes full fee disclosure before you sign.
Are you searching for business loans Ann Arbor lenders actually approve? Ironcrest Lending Group is a licensed commercial-loan broker at 5210 S State Rd, Ann Arbor, MI 48108, serving established companies and growth-stage ventures across Washtenaw County. We work with businesses in Ann Arbor, Scio Township, Lodi Township, Pittsfield Township, Ann Arbor Township, Webster Township, Dixboro, Saline, Dexter, Ypsilanti, and Superior Township.
Our clients include precision manufacturers in the industrial corridor west of US-23, healthcare providers near the University of Michigan Health System, food-service operators along Main Street and South University, professional-services firms in the Broadway Village district, and distribution companies near I-94. We broker financing for businesses that need $50,000 to $5 million, whether you're refinancing expensive debt, buying a competitor, upgrading a production line, or smoothing seasonal cash flow.
Because we're brokers and not direct lenders, we submit your file to multiple funding sources and let them compete. You see every cost line before closing. No email inquiries; call (734) 275-4683 to discuss your scenario.
Loan programs
Ironcrest connects Ann Arbor companies to seven loan structures, each suited to specific business needs and collateral profiles.
SBA 7(a) loans combine long terms with partial government guarantees, reducing lender risk and expanding approval for businesses that lack perfect credit or deep collateral. These loans finance acquisitions, real estate purchases, equipment, and working capital up to $5 million.
Learn more about SBA 7(a) loansWorking capital products fund payroll gaps, inventory buildup before peak seasons, and marketing campaigns when revenue trails expenses by 30 to 90 days. Terms run six months to three years, and underwriters focus on revenue trends rather than fixed assets.
Explore working capital financingEquipment loans and leases spread the cost of machinery, vehicles, medical devices, restaurant build-outs, and technology over the useful life of the asset. The equipment itself serves as primary collateral, which simplifies underwriting and often eliminates the need for a blanket lien on business assets.
Review equipment financing optionsCommercial real estate loans finance the purchase or refinance of owner-occupied buildings, from single-tenant retail on Liberty Street to multi-bay warehouses in Pittsfield Township. Loan-to-value ratios reach 80 to 90 percent with SBA backing; conventional deals typically cap at 75 percent.
Learn MoreA business line of credit ann arbor companies draw on and repay as cash flow dictates, paying interest only on the outstanding balance. Credit lines suit businesses with lumpy receivables or seasonal peaks, such as landscapers in Dexter waiting for spring contracts or software consultants in Ann Arbor Township billing quarterly.
More on Business Lines of CreditInvoice factoring converts outstanding B2B or B2G receivables into same-week cash by selling those invoices at a discount. Factoring companies advance 70 to 90 percent immediately and remit the balance, minus fees, when your customer pays.
Learn MoreWhy us
Ironcrest Lending Group operates from Ann Arbor because we understand the revenue cycles, real-estate costs, and supplier networks that shape small business loans ann arbor entrepreneurs navigate daily. We know that a café in Kerrytown faces different cash-flow patterns than a machine shop in Scio Township, and we tailor loan structures accordingly.
Every funding proposal we deliver lists origination fees, broker compensation, servicing costs, prepayment terms, and collateral requirements in a single document. You compare offers side by side, with identical disclosure formats, so the lowest-cost option is obvious. Transparency reduces closing surprises and helps you budget the true cost of capital into your pro forma.
We also coordinate with your CPA and attorney so everyone reviews the same term sheet. Most Ann Arbor deals close within 30 to 45 days of application, faster when you provide clean financials and a current business-debt schedule up front.
How it works
Ironcrest's process turns a funding need into a closed loan in four steps, each designed to surface cost details early.
### Step One: Discovery Call
You call (734) 275-4683 and describe your funding goal, current revenue, time in business, and collateral available. We ask about existing liens, personal-credit snapshots, and whether you've been declined recently. This 15-minute conversation determines which programs match your profile.
### Step Two: Document Gathering
We request two years of business tax returns, year-to-date profit-and-loss statements, a current balance sheet, three months of business bank statements, and a list of all outstanding debts. If you're buying real estate or equipment, we also need the purchase agreement or vendor quote. Clean documentation accelerates underwriting and improves pricing.
### Step Three: Lender Submission and Quote Comparison
We submit your package to three to five lenders whose appetite aligns with your industry, loan size, and collateral. Each lender returns a term sheet showing loan amount, amortization, collateral, fees, and covenants. We annotate every line so you understand total cost and can compare apples to apples.
### Step Four: Closing Coordination
Once you select a lender, we manage the closing checklist: title work for real-estate deals, UCC filings, insurance certificates, and final signature packets. You'll receive a closing disclosure at least three business days before funding, listing every dollar that changes hands.
Service area
Ironcrest brokers business funding ann arbor companies trust, and we extend the same service to neighboring communities. We work daily with clients in Scio Township's industrial parks, Saline's downtown retail corridor, Dexter's mixed-use developments, Ypsilanti's heritage district, Pittsfield Township's office centers, and the rural manufacturing operations in Webster Township and Lodi Township. If you're within a 20-minute drive of our State Road office, we'll meet on-site to review financials and walk the facility.
View our complete service-area map.
A broker submits your file to multiple funding sources simultaneously, creating competition that tightens pricing and expands approval odds. Banks see only their own products; brokers see the entire market. You also avoid the credit-score impact of serial applications, because brokers pull credit once and share the report with all participating lenders under a single authorization.
Brokers earn compensation from the lender, disclosed on your term sheet, so you know exactly what we make. That transparency aligns our incentive with yours: we close deals only when the terms make sense for your business.
Ironcrest Lending Group is a Michigan-licensed commercial-loan broker based at 5210 S State Rd, Ann Arbor, MI 48108. We specialize in small business loans ann arbor entrepreneurs use to grow, stabilize, and compete. Our team understands manufacturing, healthcare, professional services, retail, and hospitality, and we've brokered financing for businesses from startup to $20 million in revenue.
We do not lend our own capital, accept deposits, or charge application fees. Our role is to prepare your file, negotiate terms, and ensure every cost is visible before closing. Read more about our team and mission.
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.
Market context
We work with manufacturers in Scio Township, medical practices along Plymouth Road, tech startups near the Research Park, and retailers in Kerrytown.
There are more than 33 million small businesses in the United States.
SBA Office of AdvocacyMost firms that apply for financing seek $100,000 or less.
Federal Reserve Small Business Credit SurveyAbout half of applicant firms sought funds mainly to cover operating expenses.
Federal Reserve Small Business Credit SurveyNational data, reviewed 2026, figures from primary sources.
What owners say
Told us upfront what to fix before applying, which saved us a hard pull.
They explained exactly what the lender wanted before we applied, so there were no surprises.
Straight answers and no runaround. We finally understood our options.
Individual client experiences; results vary by business and program.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
