Financing for small commercial real estate.

We know small business owners and investors only have a short runway to get their vision up and running. Our uncomplicated, asset-based commercial loans are designed to help you acquire or refinance properties quickly and easily.

Less paperwork, flexible terms and the freedom to look beyond a borrower’s personal income allow us to offer investors funding options beyond what’s traditionally available to them. Whether your client needs a loan for a new property or a cash-out refinance, our commercial loans terms will make it simple to qualify.

From a lender's perspective, commercial buildings with more general use capacity like retail, warehouse or office space are easier to finance than properties built for a specific purpose (i.e., bowling alley, bank or manufacturing plant) because they have an inherently lower risk due to a higher market demand from investors.  Lenders often avoid financing specific use properties or require a lower LTV (e.g., higher downpayment) on them to offset their higher risk profile.

Providing loans for a wide variety of commercial properties, including:

• Office Buildings
• Retail Stores
• Warehouses
• Self-Storage Buildings
• Automotive Repair Shops

While we do provide investment property financing for up to $5 million on small balance commercial real estate buildings, most of our commercial real estate loans fall under $2 million in value. These smaller loans are much easier to approve and close in comparison to "institutional" loans for larger properties.

KEY FEATURES

 11% – 13% on Commercial (office, retail, warehouse, etc)

o Up-to 70% LTV for Refinance 

o Up-to 70% LTV for Purchase

 30 Year Fixed rate term (10 Year IO available) 

 $75,000 - $5,000,000 Loan Amounts 

 600 min FICO requirement (for 60% LTV) 

 All property Categories (SFR, 5+ Multi, Mixed-Use, and Commercial)