You're starting small. With a little help, you won't stay there long.

Big companies make news. But it's small businesses in Michigan and beyond that keep the wheels of our economy turning. We're committed to getting your enterprise rolling in the right direction. Arbor Financial offers government-backed Small Business Administration (SBA) Loans for just about any purpose. Let us steer you through the options and help find the money that will get you growing.

SBA Loan Uses

  • Purchase owner-occupied real estate
  • Construction and expansion of business premises
  • Purchase machinery, equipment, furniture, fixtures, inventory and leasehold improvements
  • Working capital
  • Start a business

SBA 7a Loans

  • Funding available to establish a new business or assist in the acquisition, operation or expansion of an existing business
  • Short-term loans and lines of credit available
  • Use of proceeds includes working capital, inventory, leasehold improvements, etc.

SBA 504 Loans

  • Long-term, fixed-rate financing for major fixed assets
  • Loan amounts based upon how funds will be used, including job creation


  • Accelerated turnaround time
  • Loan amounts from $5,000 to $350,000
  • Use of proceeds to include working capital, inventory, leasehold improvements, etc.
Ready to get started? Use the checklist below to help you apply!  

Business Loan Application Checklist

Arbor Financial's business lenders are highly experienced with SBA-enhanced loans and ready to help you start or improve your business. We offer a wide range of business services, including traditional loans and credit cards. You might also consider moving your personal accounts to our credit union. You'll get access to more than 37,000 ATMs throughout Michigan and across the nation, plus fee-free access to Web Bill Pay and more. It's easy to open your checking account online or switch your account to become an Arbor Financial member.
At least one owner of the business must be, or become, a member of Arbor Financial Credit Union or be in our field of membership in order to open a business account, obtain a business loan or use any business service. A minimum balance of $5.00 is required to open and be maintained in share savings account at all times to become a member. In addition, a business share account must be opened in the business name in order to obtain a business loan. Specific documents required to open business account and obtain a business loan. See membership and loan application for more details. Fees and other restrictions may apply. Loans subject to credit approval. Arbor Financial is an Equal Credit Opportunity Lender.

Small Business Administration (SBA) Loans are government-assisted loans. Arbor Financial and SBA are separate entities
Why choose Arbor Financial?
"With the help of Arbor Financial, RAI Jets has the opportunity to expand our fleet in the next few years" David R Read More Member Stories  

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