Our Commercial Loan program is designed for long-term sustainability.Secured business loans on commercial real estate such as multifamily, mixed-use, office, and retail properties. These properties can be owner-user, or rented out to tenants. If rented to tenants please keep in mind that we require a minimum 70% occupancy rate; in other words 70% of the units (or more) must be occupied by tenants. Commercial Loans are offered with a 30-year term, fixed-rates are available, which allows for predictable payments.

Like all of our loan programs, applying for our Commercial Loans does not have any minimum time in business requirement, no minimum monthly revenues, and absolutely zero income documentation; making it a great alternative to SBA or bank financing.

LOAN OVERVIEW

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Min. Loan:$100,000

Max. Loan:$6,000,000

Rates:5.74% - 11.24%

​Term:30-years

Payment:Principal & Interest

Frequency:Monthly

Max. LTV:75%

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QUALIFYING

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Credit Score: 650 or greater

Bankruptcy:Discharged or Dismissed

Foreclosure:OK, can't be active

Income:No minimum

Tax Returns:Never requested

Debt-to-Income:No limit

DSCR (> $750K):1.0

DSCR (< $750K):No minimum

Property Type:Multifamily (5+), Mixed-Use, Office,  Retail

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CLOSING DOCUMENTATION NEEDED

• Loan Application

• Photo ID

• Entity Docs (if applicable)

• Lease Agreement(s)

Commercial Real Estate Lending Territory

INELIGIBLE  STATES  GRAY

ELIGIBLE  STATES  GREEN

SECURED COMMERCIAL BRIDGE LOANS

APPLICATION