Capital for trucks, equipment, payroll between jobs, and seasonal cash crunches — built for trades.
Michigan's Detroit-area renaissance and Grand Rapids growth are reshaping the state's small-business landscape. Whether you're operating in Detroit, Grand Rapids, and Ann Arbor or anywhere across Michigan, we underwrite based on your business's revenue and trajectory — not your zip code.
Michigan's economy spans advanced manufacturing, automotive, and a resurgent small-business scene across the Great Lakes.
We fund home-services businesses in Detroit, Grand Rapids, Warren, and Ann Arbor, and in communities of every size across Michigan. Because ShopFunders is a funding facilitation service — not a bank — Michigan owners are approved on the strength of their business’s revenue and trajectory, not collateral, a zip code, or a perfect credit score.
Many Michigan business owners come to us after a traditional bank turns them away. Whether you need working capital for payroll and inventory, money for new equipment, or a cushion to get through a slow season, we move at your speed — decisions in 24 hours and funding in 24–72. Explore all home-services businesses funding →
Reviewed and updated May 2026 · Serving Michigan and small businesses nationwide.
Built for Michigan's hvac, plumbing & electrical contractors operators who need capital that moves.
Submit before noon, get a decision by end of day. Most lenders take weeks — we commit to 24 hours.
We fund based on your business's revenue. No home pledged, no personal guarantees, no liens on your assets.
Repayment sized to how trade revenue actually flows — heavier in peak season.
Michigan trade contractor owners face the cost of trucks and equipment, payroll between job completions, slow customer payments, and seasonal cash swings. Our funding is built for that — fast capital you can deploy for service trucks, equipment, hiring ramps, payroll between jobs, marketing pushes, or seasonal cash bridges.
"Literally the best. The team at ShopFunder are professional and second to none when it comes to meeting or exceeding expectations."
"ShopFunder is A1! Helped so much!"
Tell us about your trade contractor and how much capital you need. No credit check to apply.
Our underwriting team reviews same-day. We say yes fast — or tell you exactly what we'd need to get there.
Sign your term sheet, send your bank statements, and capital lands in your Michigan business account.
Apply in about 2 minutes. No collateral. No credit impact to apply. Decision in 24 hours.
Apply Now →$25K–$2M+/month · No collateral · Funds in 24–72 hrs