MI · CRE

Commercial Real Estate Loans in Michigan.

Summit places commercial real estate loans with vetted lenders serving operators across Michigan — from Detroit, Grand Rapids, Ann Arbor, Lansing to smaller commercial markets. Michigan auto-supply and tier-2 manufacturers regularly use ABL and equipment refinance to manage OEM payment cycles.

Capital Range
$1M – $500M+
Time to Funding
3 – 6 Weeks
Coverage
All of MI
Overview

Commercial Real Estate Loans for Michigan operators.

Summit structures and places permanent, bridge, and construction commercial real estate financing through agency lenders (Fannie, Freddie), CMBS conduits, life companies, debt funds, and balance-sheet banks. We tailor capital stacks for sponsors seeking competitive coupon, maximum proceeds, or non-recourse execution.

In Michigan, commercial real estate loans demand is concentrated in manufacturing and automotive — sectors where Summit's lender bench has deep underwriting history. We structure deals against Michigan bank deposits, AR, and equipment, and execute documentation under the state's commercial finance rules.

Whether you operate in Detroit, Grand Rapids, or a secondary market, the same desk handles intake, term-sheet negotiation, and funding — so Michigan operators get institutional execution without local-bank delays.

Best Fit

Who this works for in Michigan.

  • Multifamily and mixed-use acquisitions and refinances
  • Owner-occupied and investor-owned commercial properties
  • Industrial, retail, office, hospitality, and self-storage assets
  • Ground-up construction and value-add reposition projects
  • Michigan-based operators in manufacturing, automotive, logistics — Summit's most active MI segments.
Typical Terms · MI
Loan Size$1M – $500M+
RateTreasury / SOFR + Spread
Term5 – 30 Years
AmortizationUp to 30 Years
LTVUp to 80%
RecourseRecourse or Non-Recourse
Qualification
Property TypeMultifamily / CRE / Industrial
Sponsor Net Worth≥ Loan Amount (typical)
Sponsor Liquidity10% of Loan (typical)
DSCR1.20× – 1.35× Minimum
Credit Score680+
GeographyMichigan (MI)
Markets Served · Michigan
DetroitGrand RapidsAnn ArborLansing+ Statewide

Ready to fund your Michigan business?

Same desk. Same execution. Indicative terms within 24 hours.

Begin Application