We offer owner occupied, partially owner occupied, construction, and Investment commercial real estate loans from $250,000 to $1 Billion Dollars.

We offer the following commercial mortgage types:

• Apartments & Mixed Use
• Assisted Care Facilities
• Business Investment Capital
• Business Loans without Real Estate
• Commercial Properties
• Special Purpose Properties; e.g. Car Washes
• Construction Loans
• Entertainment & Multi Media
• Equity/Debt; 100% Financing
• Equity & Working/Operating/Seed Capital
• Franchise; up to 100% Financing
• Hard Money; Interim Bridge Financing
• Hotels/Motels
• Land Development; up to 100%
• Mixed-Use Commercial
• Multi-Dwellings
• Non-Conforming Commercial Real Estate
• Office Buildings – Industrial & Retail Properties
• Retail Space

Here is why you should work with us on your commercial loans:

Speed—you can expect a term sheet in 72 hours and a loan commitment within one week of submission of a complete loan package.

Pricing—we offer some of the most aggressive rates in the industry. We offer six different commercial loan products:

Full Document Commercial Loans - 85% is the maximum we will lend;
This is made up of
A 75% first trust commercial loan
And up to a 10% second trust commercial loan.
Our minimum credit score is 660 however we do not allow any prior history
Of BK on our Full Document commercial loan product.
Loan amounts from $250,000 to $15,000,000

Stated Income Commercial Loans – 80% is the maximum we will lend;
we do not offer second trusts on this product.
Our minimum credit score is 650 and no BK in the past 7 years is allowed.
Loan amounts from $250,000 to $2,000,000

Commercial Bridge Loans – 70% is the maximum we lend;
Second trusts are permitted but we do not offer them.
There are no minimum credit score requirements.
The commercial bridge loan is offered from,
$1mm to $15mm, in most metropolitan areas.
General purpose commercial properties are allowed
with a special interest in income producing properties.

SBA 504 Commercial Loans – 90% is the maximum combined loan to value
Between our commercial loan and the SBA debenture.
No minimum set credit score. Loan amounts from $500,000 to $7,500,000.

B&I Commercial Loans – 90% is the maximum we will lend. No minimum set credit score.
Loan amounts from $1mm to $15,000,000.

Non Profit Loans – 80% first trust commercial loans and up to 100% CLTV with a second trust.

If you’re new to commercial real estate financing, you’ll want to get a firm understanding of the differences between a residential and commercial mortgage loan.  Residential real estate uses a debt-to-income formula for judging your ability to repay a loan while commercial real estate is based on the debt coverage service ratio formula to qualify.  This means that to qualify for a commercial loan, you’ll have to know what your projected return on investment (ROI) will be when making a commercial property purchase or refinance.

The cash flow generated from your commercial real estate property will be one of the factors in determining both the value of the property as well as its future return.  The type and amount of your commercial loan is also dependent on other factors, including your business and personal credit history, your net worth or financial strength, the type of property and its overall condition, its cash flow, the geographical location of the property, and the general economic outlook of the local market.

The first step to purchasing or refinancing your commercial property is to know exactly how you’ll use the property.  What type of property will you acquire?  How will the property be used to improve your cash flow and financial goals?  How long will you hold the property?  Will you be an owner/tenant or just an investor?  And do you have an exit strategy?  These are all questions you’ll want to think about before applying for your commercial financing.

After you’ve established the market need and use for the property, you’ll also want to analyze its current and future cash flow that will contribute to your ROI.  So give us a call today, and we’ll help you get started and answer any other questions you may have.