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Commercial Real Estate Financing

We specialize in real estate loans ranging from $100,000 to $20 million with unique programs for both investors and business owners. Most often our borrowers need more flexible options which can include:

CRE - Home (1)

Program Key Points

  • NO MINIMUM FICO SCORE
  • Current rates range from 4%-11.99%
  • Pricing is a risk-based calculation based on FICO, property type, LTV, DSCR, and other criteria
  • $100,000 to $5 million all asset types except INCLUDING AUTO REPAIR, BARS, RESTAURANTS, DAYCARE, HOTEL, SMALL CHURCH LOANS AND MORE
  • Ineligible property types include: gas stations, vacant land, construction, ALF and any environmentally sensitive properties
  • Up to 80% LTV on purchase and cash out for real estate loans both investment and owner/user
  • 5,7, 15, 20, 25 and 30 year fixed rates available
  • Amortization 15,20, 25 and 30 years (25 and 30 years most common)
  • Prepayments include 3,4,5 year and step-downs
  • Eligible borrowers: US citizens AND permanent resident aliens
  • Stated owner/user products based on higher FICO or 12 months consecutive business bank statements
Competitive rates for investors and business owners who have difficulty documenting income or whose properties are more valuable than what tax returns show. For purchase, refinance and unrestricted cash-out.
Our most competitive rates for project amounts up to $20,000,000 for the acquisition of commercial real estate, refinancing of existing debt, renovations and/or cash-out for other investment purposes.
Financing for business owners and investors with challenged credit. For minimum credit score starting at 600. Rates are a little higher but offer 30 year amortization to reduce monthly payments.
The best option for business owners looking to purchase a property with the minimum down payment possible. 504 loans offer low fixed rates up to 25 years. An SBA 7A loan can be used to purchase a commercial property and get additional funding for working capital and business acquisitions.
Non-Recourse financing for stabilized commercial properties from $2 million to $100 million with loan to value up to 75% and no restrictions on cash-out refinancing. Rates are competitive with traditional banks and fixed for 5 or 10 years.
For businesses, investors and developers that need to close quickly and/or require financing that is not available from a traditional bank at this time. Loans are short-term, typically interest only with terms of 12-24 months and can fund in as little as 10-days.

Property Types

Retail, Mult-family, Office, Warehouse, Mixed-Use, Restaurants, Single-family, Auto Service Centers, Hospitality, Assisted Living

RECENT TRANSACTIONS

$2.5 Million Bridge Loan

  • International Manufacturer
  • Foreign Nationa
  • Bridge Loan
  • Interest-only 12-24 months

$1.6 Million Refinance

  • Manufacturer
  • Commercial Mortgage Refinance
  • Bank Statement Program
  • 30-Year Term with $200,000 cash-out

$1.2 Million Cash-out

  • Distributor
  • 100% unrestricted cash-out
  • Bank Statement Program
  • 30-year term
  • 5-year fixed rate

$325,000 Refinance

  • Retail Services
  • Commercial Mortgage Refinance>
  • 30-year fixed rate with cash-out for prior year taxes and debt consolidation
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