SBA Loans in Madison Heights, MI

An SBA 7(a) loan is a federally guaranteed product that lets banks lend up to $5 million with reduced risk. The guarantee does not eliminate underwriting; lenders still require cash flow coverage (typically 1.25× debt service), owner equity injection (usually 10-20 percent), and demonstrable industry experience. Because the Small Business Administration backs a portion of the principal, approved borrowers enjoy amortizations as long as 25 years on real estate and ten years on equipment, stretching payments and preserving operating capital.

We operate as a broker, not a direct lender, so our job is to translate your story into the metrics underwriters approve. From our office at 11080 Hall Rd, Sterling Heights, MI 48314, we serve Madison Heights and surrounding communities, reviewing tax returns, building cash-flow projections, and identifying which SBA-preferred banks reward your industry and collateral mix. Relationship-over-transaction means we stay transparent about what strengthens a file: three years of profitability, owner liquidity to weather surprises, and a clear use of funds that grows revenue or cuts expense.

A Madison Heights metal-finishing company recently wanted to purchase its leased building on Couzens Avenue. We structured the request around stable customer contracts and equipment appraisals, then matched the file to a lender familiar with industrial real estate along the I-75 corridor. The broker model gave the owner options instead of a single take-it-or-leave-it term sheet.