60-second application
One short form. Three months of bank statements. That's it. No tax returns. No business plan. No landlord verification.
Michigan
Your bank takes 60 days. We fund Michigan businesses in 24 hours.
From Detroit auto-supply manufacturing to Grand Rapids retail to Ann Arbor research-spin-out service businesses. We don't read your credit report. We read your bank statements.
See What I Qualify For No credit pull · No commitment · 60 seconds
Why Michigan
880,000 small businesses. Most can't get a bank loan.
Michigan's economy is anchored by automotive manufacturing — Detroit metro, Lansing, Flint, Grand Rapids — but the small-business density extends across healthcare in Ann Arbor and the suburbs, retail across the Lakeshore, agriculture and food processing across the Lower Peninsula, and seasonal hospitality across the Upper Peninsula and the major lake regions.
Here's the cash-flow picture banks miss: a Detroit auto-supply shop might have $500K in orders waiting on net-60 from Tier-1 OEMs while making payroll Friday. A restaurant in Grand Rapids might do $90K/month in summer and $32K in January. A trucking owner-operator running I-75 fuel-stops every week needs to bridge net-30 invoices. We read these patterns and fund.
We've funded Michigan businesses across the full economic geography — Detroit metro auto-supply and manufacturing, Grand Rapids retail and food, Ann Arbor and Lansing healthcare, lakeshore hospitality, Upper Peninsula seasonal businesses. That's why we underwrite on cash flow, not credit scores.
880K
Michigan small businesses
$5K-$2M
Funding range
24-48hr
Average funding speed
0%
Credit pull required
Who we fund in Michigan
These four industries call us every week.
Tourism, construction, and the water. That's what drives Michigan's economy. And all three run on cash flow that banks don't understand.
Manufacturing & Auto-Supply
Tier-1 and Tier-2 auto suppliers run on net-60 payment terms from OEMs. A shop with $500K order book and $13K in operating cash is normal Wednesday for us. Funded in 24-48 hours.
Restaurants & Hospitality
A Grand Rapids restaurant doing $90K/month in summer drops to $32K in January. Lakeshore tourism magnifies seasonality. Owners need $35K-$75K before peak season for staff and equipment.
Trucking & Transportation
I-75 + I-94 + I-96 — Michigan is a major freight corridor between the Midwest and Canadian border. Daily fuel, weekly payroll, equipment that breaks. We bridge.
Retail & E-commerce
Detroit metro neighborhoods, Grand Rapids urban core, Ann Arbor university-adjacent retail. We look at deposits, not credit. Marketplace payouts count.
How it works
Apply today. Funded tomorrow.
Same process whether you're in Pensacola or Key West. No callbacks. No chasing paperwork. No 6-week underwriting cycle.
Same-day decision
We read your bank deposits. September dips don't scare us if your March through May looks strong. You hear back in hours.
Capital hits your account
One signature. Money wires in 24-48 hours. Board up before the storm, buy inventory before snowbird season, or lock in that subcontractor.
Michigan field note
$75K wired. 28 hours. Hurricane-ready.
Restaurant owner · Miami, FL
"Storm season was 8 weeks out. I needed impact shutters, patio reinforcement, and a backup generator. My bank wanted 45 days of paperwork. Westline wired me $75K in 28 hours. We were boarded up and generator-tested before the first advisory hit."
Common questions
Michigan business funding — answered.
Do you fund Michigan businesses with bad credit?
Yes. We've funded Michigan businesses with credit scores in the 500s — and some sub-500. We underwrite on cash flow, not FICO. Three months of bank statements with consistent deposits is what matters.
How fast can a Michigan business get funded?
Typical time from signed agreement to capital wired is 24 to 48 hours. Decisions on most applications come back the same business day.
How much can Michigan businesses qualify for?
$5K-$2M is the typical advance range for Michigan businesses, though we fund anywhere from $5,000 to $2,000,000 depending on monthly revenue. A reliable rule of thumb: about 50%-150% of monthly deposits.
What do I need to apply?
Three things: a 60-second application (business name, monthly revenue, time in business), the last 3 months of business bank statements, and a voided check or bank linkage. No tax returns, no collateral, no credit pull to qualify.
Is this a loan?
No. A merchant cash advance is the purchase of a portion of your future receivables. There is no APR. Pricing is expressed as a factor rate (typically 1.15 to 1.45) applied to the advance amount — that's the total payback. Repayment is a small daily, weekly, or bi-weekly ACH from your business account.
Find out your number in 60 seconds.
No credit pull. No obligation. Miami to Jacksonville, same process, same speed.
Apply Now