GOOD
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
1,735
2010–2026
Total Volume
$1.1B
Gross loan amounts
States Active
7
With recorded loans
Programs
7(a) & 504
1735 total segments
Michigan Certified Development is highly specialized in 504 loans, making up 99% of their total SBA deals. If you're looking for real estate financing, this lender is a strong option.
Most of their loans are for existing businesses (77%), indicating they primarily support established companies. If you're a startup, you may want to consider other lenders.
With a year-over-year decline of 16% in deal volume, Michigan Certified Development may be tightening their lending criteria. This could impact your chances of approval.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 1,722 504 loans, which use fixed SBA debenture rates.
States where Michigan Certified Development has recorded SBA lending activity.
+ 2 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Hotels & Accommodation
Accommodation & Food Services
Auto Repair & Maintenance
Other Services
Physician & Dental Offices
Health Care & Social Assistance
Other Health Practitioners
Health Care & Social Assistance
Wholesale Trade
Wholesale Trade
Real Estate
Real Estate
+ 7 more
All recorded SBA lending activity for Michigan Certified Development, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Michigan · Manufacturing · $150K – $350K | 504 | 78 | — | $242K | Q3 2025 |
| Michigan · Restaurants & Food Service · $150K – $350K | 504 | 77 | — | $255K | Q3 2025 |
| Michigan · Manufacturing · $500K – $1M | 504 | 76 | — | $719K | Q3 2025 |
| Michigan · Restaurants & Food Service · $500K – $1M | 504 | 55 | — | $693K | Q2 2025 |
| Michigan · Manufacturing · $1M – $2M | 504 | 38 | — | $1.3M | Q3 2025 |
| Michigan · Manufacturing · $350K – $500K | 504 | 37 | — | $419K | Q2 2023 |
| Michigan · Auto Repair & Maintenance · $150K – $350K | 504 | 33 | — | $255K | Q1 2025 |
| Michigan · Hotels & Accommodation · $2M – $5M | 504 | 30 | — | $3.1M | Q3 2025 |
| Michigan · Restaurants & Food Service · $1M – $2M | 504 | 30 | — | $1.3M | Q4 2025 |
| Michigan · Other Health Practitioners · $150K – $350K | 504 | 30 | — | $228K | Q3 2025 |
| Michigan · Physician & Dental Offices · $150K – $350K | 504 | 28 | — | $246K | Q2 2025 |
| Michigan · Hotels & Accommodation · $1M – $2M | 504 | 27 | — | $1.5M | Q1 2025 |
| Michigan · Specialty Trade Contractors · $150K – $350K | 504 | 27 | — | $233K | Q3 2025 |
| Michigan · Restaurants & Food Service · $350K – $500K | 504 | 26 | — | $438K | Q4 2024 |
| Michigan · Physician & Dental Offices · $500K – $1M | 504 | 25 | — | $667K | Q2 2024 |
| Michigan · Restaurants & Food Service · Under $150K | 504 | 25 | — | $107K | Q3 2022 |
| Michigan · Wholesale Trade · $150K – $350K | 504 | 23 | — | $251K | Q3 2024 |
| Michigan · Manufacturing · Under $150K | 504 | 22 | — | $109K | Q2 2025 |
| Michigan · Physician & Dental Offices · $350K – $500K | 504 | 22 | — | $412K | Q1 2021 |
| Michigan · Real Estate · $500K – $1M | 504 | 20 | — | $683K | Q3 2023 |
| Michigan · Administrative & Waste Services · $150K – $350K | 504 | 19 | — | $237K | Q1 2022 |
| Michigan · Real Estate · $150K – $350K | 504 | 18 | — | $233K | Q2 2023 |
| Michigan · Auto Repair & Maintenance · Under $150K | 504 | 18 | — | $115K | Q1 2025 |
| Michigan · Social Assistance · $500K – $1M | 504 | 17 | — | $740K | Q2 2025 |
| Michigan · Auto Repair & Maintenance · $500K – $1M | 504 | 17 | — | $684K | Q4 2024 |
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