Michigan: business records and regulators
Where to look a business up in Michigan, where to search the UCC filings against it, and the offices that regulate banks, lenders and securities there.
Each link opens the state's own site in a new tab, so what you type there goes to that site, not to us. Some state searches charge a fee or ask you to make an account. Privacy
Michigan records and regulators
Business search
Look a business up in the state's register of businesses.
UCC search
Find the UCC filings against a business: the financing statements lenders file to record a lien on its assets, such as a blanket lien.
Michigan Department of State: Free Debtor Name Quick Search (opens in a new tab)
In Michigan, UCC filings are kept by the Department of State.
Banking and lending regulator
Oversees the banks the state charters. Check its site for the lender and broker licenses the state requires.
Securities regulator
The state office for securities offerings, brokers and investment advisers.
Find a lender in Michigan
Official lists of the lenders that work in Michigan. Each opens on its own site, filtered to Michigan where the list allows it.
SBA 504 lenders (Certified Development Companies) (opens in a new tab)
The nonprofit lenders that make SBA 504 loans for property and big equipment, from the SBA's own list, filtered to the state.
SBA microloan lenders (opens in a new tab)
Nonprofit lenders that make SBA microloans of up to $50,000, from the SBA's own list, filtered to the state.
SBA Lender Match (opens in a new tab)
The SBA's own matching tool: you answer a few questions about your business on its site, and two business days later it gives you a list of the lenders interested; some may contact you. It is not a loan application. What you type goes to the SBA and those lenders, not to us.
Certified CDFIs (community lenders) (opens in a new tab)
The CDFI Fund's list of every certified community development financial institution (CDFI): loan funds, banks and credit unions. Download the list and sort it by the State column.
The FDIC's BankFind: search for the banks with offices in the state.
Credit unions (opens in a new tab)
The NCUA's credit union locator. Credit unions lend to their members, so check who can join.
Before you sign with any lender, check it is licensed: see the banking and lending regulator above, and Check a lender or platform. A few national lenders and platforms are named, with how they were chosen, in the provider directory.
State rules for Michigan on our route pages
- Business line of credit: Michigan's general limit is 7% a year, agreed in writing. On credit to a corporation, partnership, cooperative, association, trust or estate, or to a person who gives the lender a sworn written statement of the business purpose, a bank, savings bank, savings and loan association, credit union, insurance company or manufacturer's finance company can agree any rate in writing, and any other lender up to 25% a year. Above 25% is criminal usury unless the law allows it. Michigan's regulatory loan license covers only loans to individuals for personal, family or household use, not business loans. (Michigan Compiled Laws 438.31: interest rate; Michigan Compiled Laws 438.61: credit to business entities; Michigan Compiled Laws 438.41: criminal usury; Michigan Compiled Laws 493.1 and 493.2: Regulatory Loan Act, definitions and license required)
- Equipment loans and finance agreements: Michigan's general limit is 7% a year, agreed in writing. On credit to a corporation, partnership, cooperative, association, trust or estate, or to a person who gives the lender a sworn written statement of the business purpose, a bank, savings bank, savings and loan association, credit union, insurance company or manufacturer's finance company can agree any rate in writing, and any other lender up to 25% a year. Above 25% is criminal usury unless the law allows it. Michigan's regulatory loan license covers only loans to individuals for personal, family or household use, not business loans. (Michigan Compiled Laws 438.31: interest rate; Michigan Compiled Laws 438.61: credit to business entities; Michigan Compiled Laws 438.41: criminal usury; Michigan Compiled Laws 493.1 and 493.2: Regulatory Loan Act, definitions and license required)
- Online business loans: Michigan's general limit is 7% a year, agreed in writing. On credit to a corporation, partnership, cooperative, association, trust or estate, or to a person who gives the lender a sworn written statement of the business purpose, a bank, savings bank, savings and loan association, credit union, insurance company or manufacturer's finance company can agree any rate in writing, and any other lender up to 25% a year. Above 25% is criminal usury unless the law allows it. Michigan's regulatory loan license covers only loans to individuals for personal, family or household use, not business loans. (Michigan Compiled Laws 438.31: interest rate; Michigan Compiled Laws 438.61: credit to business entities; Michigan Compiled Laws 438.41: criminal usury; Michigan Compiled Laws 493.1 and 493.2: Regulatory Loan Act, definitions and license required)
Sources
- Michigan LARA: Corporations, Securities & Commercial Licensing Bureau (Business entity search) · checked October 20, 2026
- Michigan Department of State: Uniform Commercial Code (UCC) (Free Debtor Name Quick Search) · checked October 20, 2026
- Michigan Department of Insurance and Financial Services: home page · checked October 20, 2026
- Michigan LARA, Corporations, Securities & Commercial Licensing Bureau: Securities Division · checked October 20, 2026