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Lender record

Independent Bank

The real lending record — every figure from funded deals. HQ: 4200 E Beltline Ave Ne, Grand Rapids, MI. 59 branches.

113

Recent deals (FY20+)

$350K

Typical deal

23 days

Approval → funding

0%

Failure rate (FY20–23)

Where Independent Bank lends

Deals Independent Bank funded — list all 113 as text

Deal profile

Most Independent Bank deals land between $171K and $924K — that range covers half of everything they fund. Top industries and states:

Industries they fund most

  1. 1.Engineering Services (5)
  2. 2.Highway, Street, and Bridge Construction (4)
  3. 3.Fitness and Recreational Sports Centers (3)
  4. 4.Motor Vehicle Supplies and New Parts Merchant Wholesalers (3)
  5. 5.Automotive Parts and Accessories Retailers (3)
  6. 6.Offices of Physicians (except Mental Health Specialists) (3)
  7. 7.All Other Miscellaneous Schools and Instruction (3)
  8. 8.Landscaping Services (3)

Most active states

  1. 1.Michigan (108 deals)
  2. 2.Illinois (3 deals)
  3. 3.Oklahoma (1 deals)
  4. 4.Texas (1 deals)

Franchises they finance most

Goldfish Swim School

4 deals

School of Rock

3 deals

Ziebart

1 deals

The Pump House

1 deals

Graze Craze

1 deals

Can Independent Bank fund you? The bank behind the loans

Total assets

$5.6B

▲ 0.9% vs prior quarter

Deposits on hand

$4.9B

▲ 2.6% vs prior quarter

Loans outstanding

$4.3B

▲ 1% vs prior quarter

Net income (latest qtr)

$17.6M

  • •An active SBA program (~0.5% of the book in this year's production) — they know the process, but SBA isn't the main event. Ask who runs their SBA desk before committing your timeline. That makes Independent Bank more SBA-focused than 66% of the banks on our record.
  • •Deposits grew last quarter — more raw lending capacity than the quarter before.
  • •Return on assets of 1.27% — above the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

Walk into a Independent Bank branch (59)

Independent BankMain office4200 E Beltline Ave NeGrand Rapids, MI 49525 · since 1890

Howard City Branch720 W Shaw StHoward City, MI 49329 · since 1878

Newaygo Branch41 N State RdNewaygo, MI 49337 · since 1884

Cass City Branch6241 Main StCass City, MI 48726 · since 1890

Standish Branch209 S Main StStandish, MI 48658 · since 1890

Sebewaing M-25 Branch8880 Unionville RdSebewaing, MI 48759 · since 1890

Bay City Euclid Branch745 N Euclid AveBay City, MI 48706 · since 1890

Essexville Branch1615 W Center RdEssexville, MI 48732 · since 1890

Auburn Branch1004 W Midland RdAuburn, MI 48611 · since 1890

Pinconning Branch408 S Mable StPinconning, MI 48650 · since 1890

Saginaw Center Branch1445 N. CenterSaginaw, MI 48638 · since 1890

Big Rapids Branch404 Perry AveBig Rapids, MI 49307 · since 1890

Bellevue Branch111 East Capital AvenueBellevue, MI 49021 · since 1890

Saginaw State St Branch3601 State StSaginaw, MI 48602 · since 1890

Fashion Square Mall Branch4850 Bay RdSaginaw, MI 48604 · since 1890

Troy Main Branch201 W Big Beaver RdTroy, MI 48084 · since 1904

White Cloud Branch1075 E Wilcox AveWhite Cloud, MI 49349 · since 1910

Caseville Branch6727 Main StCaseville, MI 48725 · since 1937

Sand Lake Branch5 S 3rd StSand Lake, MI 49343 · since 1959

Northgate Branch655 N Port Crescent StBad Axe, MI 48413 · since 1966

Pleasant Lake Branch11628 Bunkerhill RdPleasant Lake, MI 49272 · since 1974

Williamston Branch1245 E Grand River RdWilliamston, MI 48895 · since 1978

Eaton Rapids Branch2461 S Michigan RdEaton Rapids, MI 48827 · since 1978

Sparta Branch525 S State StSparta, MI 49345 · since 1978

Cedar Springs Branch4115 17 Mile Rd NeCedar Springs, MI 49319 · since 1979

Clio Branch3500 W Vienna RdClio, MI 48420 · since 1981

Charlotte Branch129 Lansing StCharlotte, MI 48813 · since 1989

Livonia Branch37601 5 Mile RdLivonia, MI 48154 · since 1991

Beverly Hills Branch32800 Southfield RdBeverly Hills, MI 48025 · since 1991

Marlette Branch2593 S Van Dyke RdMarlette, MI 48453 · since 1992

North Branch4046 Huron StNorth Branch, MI 48461 · since 1994

North Branch Drive Up3765 Huron StNorth Branch, MI 48461 · since 1996 · limited service

Okemos Branch2119 Hamilton RdOkemos, MI 48864 · since 1997

Plainfield Office3090 Plainfield Ave NeGrand Rapids, MI 49505 · since 1997

Farmington Hills Branch32900 Middlebelt RdFarmington Hills, MI 48334 · since 1998

Mason Branch190 W Kipp RdMason, MI 48854 · since 1999

Traverse City Branch333 W Grandview PkwyTraverse City, MI 49684 · since 2000

Suttons Bay Branch93 W Fourth StSuttons Bay, MI 49682 · since 2001

Garfield Avenue Branch1239 S Garfield AveTraverse City, MI 49686 · since 2002

Cascade Road Branch6750 Cascade Rd SeGrand Rapids, MI 49546 · since 2002

Caro Branch1111 W Caro RdCaro, MI 48723 · since 2004

Grand Rapids Downtown Branch77 Monroe Center St NwGrand Rapids, MI 49503 · since 2004

Rockford Branch78 S Main StRockford, MI 49341 · since 2005

Portland Branch1601 E Grand River AvePortland, MI 48875 · since 2005

Carson City Branch323 W Main StCarson City, MI 48811 · since 2005

Belding Branch130 S Bridge StBelding, MI 48809 · since 2005

Ionia Point Branch450 S Dexter StIonia, MI 48846 · since 2005

Saranac Branch29 Church StSaranac, MI 48881 · since 2005

Copper Ridge Branch4011 Eastern Sky DrTraverse City, MI 49684 · since 2005

Standale Branch4525 Lake Michigan Dr NwWalker, MI 49534 · since 2005

Leslie Office Branch144 S Main StLeslie, MI 49251 · since 2006

East Lansing Branch1380 W Lake Lansing RdEast Lansing, MI 48823 · since 2006

Shelby Township Branch49785 Van Dyke AveShelby Township, MI 48317 · since 2007

Bay City Branch623 Washington AveBay City, MI 48708 · since 2007

Muskegon Branch3251 Henry StMuskegon, MI 49441 · since 2007

Ionia Main Branch230 W Main StIonia, MI 48846 · since 2015 · limited service

Brighton Branch8700 N 2nd StBrighton, MI 48116 · since 2020

Holland Branch12368 Riley StHolland, MI 49424 · since 2022

Clinton Township Branch21250 Hall Road, Suite 200Clinton Township, MI 48038 · since 2024

Scroll for all 59 branches · Branch data: FDIC BankFind.

Recent deals

  • Dearborn Racquet & Health Center LLC in Dearborn, MI — $3.8M (2026) · Fitness and Recreational Sports Centers
  • Gage Consulting, LLC in Rochester, MI — $3.5M (2026) · Architectural Services
  • L. Klein Enterprises, LLC in Westland, MI — $1.6M (2026) · Bowling Centers
  • Port Property Ventures, LLC in Plymouth, MI — $1.2M (2026) · Motor Vehicle Supplies and New Parts Merchant Wholesalers
  • Motorsports & Racing Technology, LLC in Plymouth, MI — $1.0M (2026) · Motor Vehicle Supplies and New Parts Merchant Wholesalers
  • Freshwater Market LLC in Northport, MI — $576K (2026) · Limited-Service Restaurants
  • Gage Consulting, LLC in Rochester, MI — $500K (2026) · Architectural Services
  • Kevlar Remodeling, LLC in Oxford, MI — $500K (2026) · Roofing Contractors
  • Harborfront Defense, LLC in Spring Lake, MI — $256K (2026) · Automotive Parts and Accessories Retailers
  • Ranger Law, PLLC in Grand Rapids, MI — $250K (2026) · Offices of Lawyers

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Businesses Independent Bank financed

90 businesses on record — the 60 largest by funding. Each links to its full SBA record.

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CapBench analysis of public lending records, FY2020–present. Not affiliated with Independent Bank.

Agent summary

This page summarizes Independent Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

  • 113 SBA 7(a) loans on record
  • $350K typical deal
  • 5 business-acquisition loans
  • HQ: 4200 E Beltline Ave Ne, Grand Rapids, MI
  • 59 FDIC branch locations
  • FDIC total assets $5.6B

Next steps

Request an introRank lendersPre-qualify a deal
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/lenders/independent-bank
API:
https://www.capbench.com/api/public/lenders/independent-bank
Methodology:
Sources & methodology
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
  • Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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