.png)
COMMERCIAL LOANS
COMMERCIAL LOANS
​A commercial loan is a type of loan specifically designed for businesses, rather than for personal use. Businesses use these loans to buy real estate, expand operations, purchase equipment, or cover operational costs.
Commercial Loans Explained
Commercial loans provide specialized financing options for investors looking to purchase, refinance, or improve income-generating properties. These loans are designed to meet the needs of investors by offering flexible terms and competitive rates, making them ideal for a variety of property types, including multifamily, retail, office, and industrial spaces.
Main Features of Our Commercial Loans
Flexible Terms: With terms typically ranging from 5 to 30 years, our commercial loans are designed to match the long-term nature of real estate investments, allowing you to plan and manage your projects effectively.
High Loan Amounts: We offer loans that can accommodate large-scale investments, with maximum loan amounts up to $3.5 million, providing the financial backing you need for significant commercial property acquisitions or improvements.
Competitive Rates: Our loans come with competitive interest rates, ensuring that you can maintain profitability while financing substantial commercial projects.
Why Choose Our Commercial Loans?
-
Increased Investment Capacity: Use our financing to acquire new properties or improve existing ones, allowing you to expand your real estate portfolio without exhausting personal capital.
-
Streamlined Approval Process: We know time is crucial in commercial real estate transactions. That’s why our loan process is designed for quick approvals, ensuring you can secure properties and close deals faster.
-
Cash Flow Optimization: Our loans are based on the income-generating potential of the property, such as rental income, allowing you to leverage future cash flow to secure better terms and higher loan amounts.
-
Custom Solutions for Diverse Property Types: Whether you're investing in multifamily housing, retail centers, or office buildings, we offer loan programs tailored to meet the specific needs of various commercial property types.
-
Profit Potential: With the right investment and improvements, commercial properties can yield significant long-term returns. Our financing options give you the tools to grow your investment value over time.
Our commercial loans are ideal for seasoned investors and those looking to expand their portfolios. With flexible terms, competitive rates, and a fast approval process, our loans offer the financial flexibility and security you need to succeed in the competitive world of commercial real estate.
Qualification Criteria
Determine if Your Project Qualifies for Commercial Loans
Credit Score
Minimum 660 FICO score, with no major derogatory credit events within the last 24 months​
Property Value
Minimum "as-is" value of $150,000 to ensure the viability of the investment​.
Loan Term
Loan terms are flexible, ranging from 5 to 30 years, depending on the property type and project scope​.
Property Type
Eligible properties include multifamily units, retail spaces, office buildings, and industrial properties​.
Maximum Loan-to-Value (LTV)
Up to 80% LTV for purchase or refinance transactions​.
Prepayment Penalty
Prepayment penalties may apply on non-owner-occupied investment properties, depending on state regulations​.
Loan Amount
Loan amounts range from $125,000 to $3.5 million​
Location Requirements
Properties must be in established or growing commercial areas. Rural properties are generally ineligible unless they meet specific commercial viability criteria​.
Liquidity Requirements
Borrowers must provide proof of liquidity to cover closing costs, down payment, and 3-6 months of reserves​ .