A Wilshire Financial Group Franchise Office · Michigan
Capital for companies that already look fundable.
3+ years in business and 720-level credit is the cleanest path. If you are missing one of those, there is a structured alternative.
We are not a lender. Programs are subject to underwriting, documentation, and approval. Credit partners and aged entities, when used, must be disclosed.
Track A
Established companies
Three years or more. Someone on the file around 720+. This is the file partners want to see first.
Track B
Credit partner & aged corporations
Newer entity, or credit is the blocker. Disclosed structure. Not a costume for the lender.
Coverage
All 50 states
Michigan first. Same owner profile nationwide. Manufacturing, trades, clinics, freight, wholesale.
Qualification strip
Company age
3+ years is Track A. Newer files go to Track B or they wait.
Credit band
Around 720+ on the file is the clean lane. Lower is a conversation, not a slogan.
Use of funds
Working capital, equipment, vehicles, payroll, inventory, expansion. Business use. Not consumer debt.
Michigan or nationwide
Home market is Michigan. The same desk works all 50 states.
Process
Four steps. Then a partner decides.
01
Fit call
Fifteen minutes. We confirm company age, credit band, use of funds, and whether this desk is the right room.
02
Track selection
Track A if the file already looks fundable. Track B if a disclosed credit partner or aged corporation is the honest path.
03
File prep
We gather what underwriting actually asks for. You authorize any credit pull in writing. Nothing is pulled on a public form.
04
Partner underwriting
The file goes to underwriting partners. They decide. We stay on the file until it is executed and closed — or declined, with a straight answer.
We are not a lender. Programs are subject to underwriting, documentation, and approval. Credit partners and aged entities, when used, must be disclosed.
Industries we actually want
Operators with a shop floor, a bay, a practice, or a dock.
- 01ManufacturingShops that make parts, not pitch decks. Equipment, materials, and payroll that have to move.
- 02Auto supply & machine shopsThe corridor still runs on tooling, CNC, stamping, and vendors who cannot wait on a committee.
- 03Construction & tradesGeneral contractors, specialty trades, and crews that bid real work in Michigan and beyond.
- 04Trucking & logisticsCarriers, brokers with operations, and fleets that need working capital against actual freight.
- 05Medical & dental practicesEstablished clinics buying equipment, opening a second chair, or smoothing reimbursement lag.
- 06Wholesale & distributionInventory-heavy operators who already have customers and need the warehouse to keep up.
- 07Multi-location servicesOperators with more than one door, a book of business, and a reason the capital is not a wish.
Not for consumer debt, payday energy, or “guaranteed approval” shoppers. If you will not discuss credit honestly, do not book.
The principal
Chadwick Twillman
A Wilshire Financial Group Franchise Office
You talk to the person on this page. Not a round-robin. Not a script from another coast.
He runs this desk from Michigan and works the same owner profile in all 50 states. The franchise home office is elsewhere. The file starts here.
This office is paid when a partnered program is executed and closed. The fit call is a fit call. If the file does not belong on Track A or Track B, he will say so.
We are not a lender. Programs are subject to underwriting, documentation, and approval. Credit partners and aged entities, when used, must be disclosed.
From the file
Operators who already ran a file through this desk.
Straight talk. Disclosed structure. A partner decision — not a promise printed on a homepage.
“Fifteen minutes in I knew whether I had a file or a delay. First honest conversation I had with anyone in this space.”
Marcus R.
Machine shop owner · Flint, MI
“Credit was the blocker. He did not dress it up. We brought a disclosed partner onto the file and underwriting actually started.”
Elena V.
Logistics operator · Grand Rapids, MI
“I wanted a local desk that still knew how national partners underwrite. He runs it like a closer, not a brochure.”
James K.
General contractor · Detroit, MI
Comments describe the working relationship with this office. They are not a guarantee of funding, terms, timing, or a particular program. We do not publish invented dollar amounts or approval rates. We are not a lender. Programs are subject to underwriting, documentation, and approval.
Next step
If the file is real, we will tell you how to run it.
Fifteen minutes. No theater. We map Track A or Track B, or we tell you this desk is not the right room.
We are not a lender. Programs are subject to underwriting, documentation, and approval. Credit partners and aged entities, when used, must be disclosed.