Requirements for Michigan Businesses
500+
Minimum FICO score
$8K+
Avg monthly deposits
6 mo
Minimum time in business
24–72 hrs
Funding decision timeline
The most active MCA industries in Michigan are automotive, manufacturing, construction, restaurants, and healthcare. MCA qualification is based on monthly deposits in your business bank account — not collateral, tax returns, or personal assets. Bank declines do not affect eligibility.
How Michigan Businesses Apply
- Complete the one-page application — business name, industry, owner info, estimated monthly revenue. Takes 10–15 minutes online.
- Upload 3 months of bank statements — all pages showing all deposit activity in your business checking account.
- Receive offers in 24–48 hours — multiple funders compete for your business through the Mom & Pop network.
- Sign and receive funds in 1–3 business days — no closing agent, no attorney, no site visit required.
Michigan Cities We Serve
We fund Michigan businesses statewide — from urban metros to rural markets. All cities, all counties.
Detroit, MI
Grand Rapids, MI
Warren, MI
Sterling Heights, MI
Ann Arbor, MI
Lansing, MI
Flint, MI
Dearborn, MI
Get Funded — Michigan Businesses Welcome
Bank declines accepted. No collateral required. No obligation. Decisions in 24–72 hours.
Check My Michigan Business Eligibility →✓ No obligation ✓ Soft pull only ✓ Free to apply ✓ Bank declines welcome
Michigan Business Funding FAQ
Can Michigan auto suppliers and manufacturers qualify for MCA?
Yes — Michigan's automotive and manufacturing businesses are strong MCA candidates. Tier 2 and Tier 3 auto suppliers with consistent monthly deposits of $15,000–$200,000 regularly receive approval. The net-30 to net-60 receivable cycle common in manufacturing creates exactly the working capital gap that MCA bridges.
How fast can a Michigan business get MCA funding?
Michigan businesses typically receive approval in 24–48 hours and funding in 1–3 business days. Detroit and Grand Rapids metro businesses with clean bank statements move at the faster end of that range.
Do Michigan restaurants qualify for MCA?
Yes — Michigan restaurant MCA requirements: 6+ months in business, $8,000+/month in deposits, 500+ FICO. Detroit, Ann Arbor, and Grand Rapids have dense restaurant markets with active MCA demand.
Is there a minimum credit score for Michigan business MCA?
500 FICO is the minimum accepted by most funders in the network. Michigan businesses with FICO in the 500–549 range can still receive approval if monthly deposits are $20,000+ and consistent. A 100-point FICO improvement typically reduces the factor rate by 0.07–0.15.
Can a Michigan construction company get MCA?
Yes — Michigan construction companies are frequently funded through MCA. Requirements: 6+ months in business, $8,000+/month in deposits, 500+ FICO. Michigan contractor license is not required for MCA approval.
More Funding Resources