Answer: Orchard Business Capital is a licensed commercial loan broker serving Lansing, MI, matching businesses to lenders for SBA 7(a) loans, equipment financing, working capital, commercial real estate, lines of credit, invoice factoring, and more, without hidden fees, with transparent cost structures, and with speed as our priority from first call to closing.
A commercial loan broker connects your business to multiple lenders instead of forcing you into a single bank's underwriting box. Orchard Business Capital reviews your financials, matches your need to the right loan products, SBA 7(a), equipment financing, working capital, commercial real estate loans, business lines of credit, invoice factoring, and negotiates terms on your behalf. You see every fee, every rate component, and every timeline milestone before you sign. We're compensated by the lender at closing, so our incentive aligns with yours: close fast, close clean, close transparent.
Lansing manufacturers expanding capacity, East Lansing retail operators buying their storefronts, Delta Township logistics companies replacing truck fleets, and Holt contractors smoothing cash-flow gaps all use commercial business loan broker services. Typical qualifications include six months in business, revenue sufficient to service debt, and a willingness to share tax returns and bank statements. Because we broker to dozens of lenders, not one, credit blemishes, seasonal revenue, or non-traditional collateral rarely disqualify you outright; they simply shift which lender we approach first.
How it works
Call (517) 516-7633 or visit our Lansing office. Bring two years of business tax returns, three months of bank statements, and a one-paragraph description of what you need and when. We'll tell you within 48 hours which loan programs fit, which lenders are quoting, and what the all-in cost looks like, origination, broker fee if any, servicing, prepayment terms. No surprises. No rate-shopping runaround. You'll know your funding date before you leave the second meeting.
Lansing sits at the intersection of manufacturing legacy and state-government stability, which means lenders view local businesses as lower-flight-risk than peers in single-industry towns. A commercial mortgage broker near me search ends at our Saginaw Highway office because we know which lenders value proximity to MSU contracts, which prioritize auto-supply-chain receivables, and which move fastest on commercial property mortgage broker deals in the older Reo Town corridors. Every day saved in underwriting is a day your competitor doesn't get ahead.
What does a commercial finance broker charge? Most brokers earn a commission from the lender, typically one to three points of the loan amount, paid at closing. Orchard Business Capital discloses every fee in writing during your first meeting, so you'll never discover a charge at the closing table you didn't budget for weeks earlier.
How fast can a commercial loan broker get me funded? Timeline depends on loan type: working capital and invoice factoring can close in five to ten business days; SBA 7(a) loans typically take 30-45 days; commercial real estate loans range from three to eight weeks. We accelerate every step by pre-packaging your file to lender specifications before submission.
Do I need perfect credit to work with a commercial business loan broker? No. Brokers access lenders with varied risk appetites. A 620 personal score might disqualify you at a traditional bank but fit perfectly with an alternative lender offering equipment financing or a revenue-based line of credit, often at transparent, fixed pricing you can model into your P&L.
Why use a broker instead of going direct to a bank? Banks show you one menu. Brokers show you twenty. You save weeks of sequential applications, preserve your credit inquiry count, and gain negotiating leverage because lenders know they're competing. Transparency improves when multiple term sheets sit side by side on the same spreadsheet.
Serving the Lansing area
We know which lenders fund which kinds of Lansing businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
