Commercial Loans

Know Your Loans

There are various type of Commercial/Investor Loans available. Different programs have different purpose and requirements. They could be short term to longer term depending on your need. No amount is too small and no amount is too big.


SBA Loan

Different types of SBA loans such as SBA 7a, 504, SBA Express loans to help your business and real estate. Some of the benefits are-

  • Competitive terms: SBA-guaranteed loans generally have rates and fees that are comparable to non-guaranteed loans.

  • Counseling and education: Some loans come with continued support to help you start and run your business.

  • Unique benefits: Lower down payments, flexible overhead requirements, and no collateral needed for some loans.

  • check out more- https://www.sba.gov/funding-programs/loans

Hard Money

Private investor A hard money loan is a specific type of asset-based loan financing through which a borrower receives funds secured by real property. Hard money loans are typically issued by private investors or companies.

Commercial Property

Loan Programs For Commercial Properties available in all 50 states. Must have LLC/Corp. FOREIGN NATIONAL OK in ALL PROGRAMS. 4+ Unit Multi Family/Mixed, Office, Retail, Warehouse, Self-Storage, Automotive/Gas, Hotel, Motel, BnB, Resort and more. Some of the features of the available programs are-

  • 30-Year Multi-Family/Mixed-Use

  • Fix-Flip 12-Month Interest Only

  • 2-Year Interest Only

  • 30-Year Commercial Property

  • 5-Year I/O + 25-Year Amortized

  • Bankruptcy-No-Problem Program

New Construction Loan

New Construction Lending in 1-4 Units Residential Zoned. Some of the features of the available programs are-

  • Up to 100% of the construction cost

  • Up to 80% LTV/LTC

  • Up to 90% CLTV

  • No Limit on number of properties financed

  • 12-Month I/O Program available

  • 18-Month I/O Program available

  • 6-Month LOC Program available

  • Interest payment only on Draw amount

  • LTV/LTC, Rate, Term will depend on Borrower's Experience

  • Experience of General Contractor on retention ~ is the most important qualifying factor

Mezzanine Loan

A Mezzanine loan in real estate is a sort of finance that investors use to fund purchases or development projects. Investors might employ mezzanine loans to close the financing gap when senior debt is insufficient to cover the cost of a purchase or development project. By providing additional money without selling the maximum amount of equity, mezzanine bridge loans assist investors in increasing their return on investment.


These are suitable for large scale projects as there is no limit on number of properties and size of debt.


DTV, DTC, Rate, Term to be determined by but not limited to following qualifying factors ~

  • LOCATION

  • PROPERTY FUNDAMENTALS

  • MARKET CONDITIONS

  • RENT ROLL

  • SPONSOR

  • OCCUPANCY

  • STRUCTURE & WATERFALL

  • OTHER Based on Loan

Common Qualification Documents (Varies from Loan to Loan)

  • ID

  • Business Bank Statement 12-24 Months

  • last 2 months Personal Bank Statements

  • No Personal/Business Tax Return required in most cases

  • Minimum FICO varies, starts from FICO 600 and up.

  • Purchase Agreement

  • Corporate Agreement

  • Reserve Capital 6-12 months

  • Down Payment Varies based on program

  • For Foreign National Loans, A valid Passport, Down Payment in a US Bank and US Corp/LLC required in most cases.