You're buying a property or a business and need the acquisition financed.
Commercial real estate, investment property and business acquisition financing.
Commercial financing & capital advisory · Birmingham, Michigan
Get your commercial financing structured by bankers who know what lenders need to see.
State Solutions Funding is a commercial loan brokerage and capital advisory firm. We help business owners, real estate investors and developers find, structure and secure the right capital.
- 100+
Combined years of banking experience
- $500M+
In closed loan transactions
- 1-on-1
Direct, personalized support from the first conversation through closing
Why it matters who structures your deal
Commercial financing is more than finding a lender. A deal has to reach the lender already in the right shape.
We understand how capital providers think, because we've worked on their side of the desk. Our experience includes credit decisions, portfolio management, underwriting, loan origination, debt restructuring and capital raising.
That lets us prepare and position your transaction before it reaches a lender or investor, and look past a bank's standard lending box when your deal doesn't fit it.
- Credit decisions
- Underwriting
- Loan origination
- Portfolio management
- Debt restructuring
- Capital raising
"Our role is to understand the transaction, evaluate financing alternatives, structure the opportunity, and connect borrowers with potential capital sources."
State Solutions FundingWhat we help with
These are the situations business owners, investors and developers bring to us.
Your loan is maturing and the refinance isn't straightforward.
Maturing debt and refinancing challenges, including permanent financing to replace short-term debt.
You're paying a bridge or hard-money rate and want to move to a conventional loan.
We look at what it would take to refinance into bank or credit union financing.
Your construction project has run into an equity gap.
Construction and development financing, and help with construction challenges and equity gaps.
A partner wants out, or the business needs recapitalizing.
Partner buyouts, recapitalizations, workouts and restructuring situations.
Your deal doesn't fit a traditional bank's standard lending box.
Bridge, private and alternative capital, and creative structures for special situations.
We don't just find capital.We structure solutions.
The right capital, the right structure and the right lender, built around the deal in front of us rather than a standard product.
What structuring means
Structuring means building the right mix of capital around your deal, not just finding a loan.
An illustration, not a quote. Every structure is built around the deal in front of us.
Financing solutions
These are the kinds of financing we arrange for our clients.
01 · Real estate
Commercial real estate financing
- Acquisition, refinancing and permanent financing
- Investment property and owner-occupied real estate
- Multifamily, industrial, retail, office and mixed-use
- Construction and development financing
- Bridge and private lending
02 · Business
SBA and business financing
- SBA and business financing
- Business acquisition financing
- Equipment financing
- Working capital
- Sale-leaseback solutions
03 · Advisory
Capital advisory and special situations
- Capital structure analysis
- Maturing debt and refinancing challenges
- Workout and restructuring situations
- Partner buyouts and recapitalizations
- Construction challenges and equity gaps
Sale-leaseback solutions
If your business owns its building, a sale-leaseback can turn that equity into cash while you stay right where you are.
We help business owners evaluate sale-leaseback opportunities that convert commercial real estate equity into liquidity, while the business keeps operating in its existing location under a lease.
- 01Growth and expansion
- 02Acquisitions
- 03Debt reduction
- 04Working capital or recapitalization
A quick check
If you're on a hard-money or bridge loan, here's what the rate difference could be costing you each year.
Short-term private money has its place, but it's expensive to stay on. Move the sliders to compare your current rate with a conventional rate, then talk to us about whether your deal could make the move.
Interest a year now$130,000
At the compared rate$80,000
Difference each year$50,000About $4,167 a month
Simple interest-only arithmetic on the figures you enter. It isn't a quote or an offer of credit. Real terms depend on the deal, the property and the lender.
How it works
Here's what happens after you bring us a deal.
You'll have one experienced point of contact from the first conversation through closing.
- 01
We get to know the transaction.
A conversation is the first step. We learn about the property or business, the numbers, and what you need the capital to do.
- 02
We evaluate the financing alternatives.
We look at which kinds of capital fit the deal, from banks and credit unions to private lenders, debt funds and other capital providers.
- 03
We structure the opportunity.
We prepare and position the request the way a lender or investor will read it, before it ever reaches them.
- 04
We connect you with potential capital sources.
We take the deal to the lenders it fits and stay with you through to closing.
Private and alternative capital
We work with a network of banks, credit unions, private lenders, debt funds and other capital providers.
Who we are
You'll deal directly with the people who structure your deal.
State Solutions Funding brings more than 100 combined years of banking experience, with relationships across multiple commercial lending and capital sources.
Mark Wollschlager
Managing Director
Mark was the first commercial loan officer at Vibe Credit Union, where he built the commercial portfolio from $5 million to over $60 million. Before that he was Chief Financial Officer at Continental Services and a consultant to Bedrock Detroit.
Since 2021 he has brokered commercial loans through State Solutions Funding, matching each client with the right financial solution and the right institution.
$60M+Commercial portfolio he built at Vibe Credit Union, up from $5M
$24M+New loans he closed in 2020
CFOContinental Services, 2009 to 2012
DW
Daniel Wollschlager
Managing Director
Photo and background to come.
For referral partners
If you advise business owners or investors, we can be the people you call when a client needs capital.
When a client needs financing, bring us the opportunity. We'll evaluate the situation, help identify potential financing paths and keep you informed throughout the process.
Introduce a client- 01CPAs and accountants
- 02Attorneys
- 03Commercial real estate brokers
- 04Business brokers
- 05Wealth managers
- 06Bankers and financial professionals
Have a deal that needs capital?
If you have a deal that needs capital, the first step is a conversation with us.
Tell us what you're trying to finance and where it's stuck. We'll tell you how we'd approach it.