Hard Money Lender Michigan: Fast, Reliable Funding Solutions

Michigan

Michigan, the 26th state admitted to the Union, ranks 22nd in landmass and 11th in total area. Lansing, located in south-central Michigan, serves as the state capital. Michigan is the 10th most populous state and uniquely features two peninsulas: the Lower Peninsula and the Upper Peninsula. Our hard money lending services in Michigan are designed to support real estate investors and borrowers throughout these diverse regions.

Quick Stats:

Lending in Michigan

Onyx Capital Lending is fully licensed and actively lending in Michigan, providing business-purpose financing for real estate investors statewide. We offer fix & flip, DSCR, bridge, multifamily, and new construction loans, with closings in as few as 14 days. Michigan’s mix of affordable entry points and steady rental demand in markets like Detroit and Grand Rapids creates strong opportunities for value-add and buy-and-hold strategies.

Sample Deal

Market: Grand Rapids, MI - SFR fix & flip
Loan amount: $640,000
Timeline: Funded in 12 business days to help the borrower beat a competing cash offer on a distressed property with a short inspection window.
LTV: 70% of purchase price
Docs: No tax returns and no income verification required - asset-based underwriting focused on the property and the exit plan.

  • Population: 10,050,811 people
  • Median household income: $59,584
  • Population density: 174.8 people/square mile
  • Median home sale price: $105,025
  • Median price to rent: $815

All our financing programs support a variety of investment opportunities. For a complete list, please visit our loan program page, tailored to meet your Michigan hard money lending needs.

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  • 22 Parsonage St, Providence, RI 02903, USA

Onyx Capital Lending is a private real estate lender licensed under NMLS #2123236. Richard Morency, NMLS #1987012. We specialize in hard money lending across Michigan, offering fast, flexible financing solutions for business-purpose investment properties only. Onyx Capital Lending does not provide consumer mortgage loans or loans for owner-occupied residential properties. Loan approval depends on underwriting review, property valuation, and compliance with applicable state regulations. Rates, terms, and availability are subject to change without notice. Lending services are available in 48 states, including Michigan. Not available in all states.