Commercial Loans

Direct Access to the Right Capital

We connect you with lenders actively deploying capital for your deal—based on asset type, structure, and execution strategy.

Acquisition Refinancing

SBA 7(a) Loans

Government-backed loan for small business property purchases
Key Features
  • Lower down payment
  • Longer amortization (up to 25 years)
  • Owner-occupied properties
  • SBA guarantee reduces lender risk
Typical Requirements
Down Payment: 10-15% (special use 15%)
Credit Score: 680+ (business & personal)
Max Loan Amount: $5,000,000
Occupancy: 51%+ owner-occupied
Documentation: 3 years tax returns, financials, business plan
Ideal for: Small businesses purchasing owner-occupied commercial real estate

SBA 504 Loans

Long-term, fixed-rate financing for major assets
Key Features
  • Low down payment (10%)
  • Fixed rates for 20-25 years
  • Owner-occupied properties
  • Equipment and improvements
Typical Requirements
Down Payment: 10%
Credit Score: 680+
Max SBA Portion: $5,000,000 (up to $5.5M for energy/manufacturing)
Occupancy: 51%+ owner-occupied
Job Creation: Required (or meet public policy goal)
Ideal for: Growing businesses seeking fixed-rate, long-term financing with low down payment

Conventional Commercial Loans

Traditional commercial real estate financing
Key Features
  • Various property types
  • Purchase or refinance
  • Flexible terms (5-25 years)
  • Non-recourse options available
Typical Requirements
Down Payment: 20-30%
Credit Score: 680+ (business & personal)
DSCR: 1.25+ typically
Max LTV: 70-80%
Documentation: Rent roll, financials, tax returns
Ideal for: Established businesses or investors with strong financials and cash flow

Commercial Bridge Loans

Short-term financing for time-sensitive acquisitions or renovations
Key Features
  • Fast closing (7-30 days)
  • Interest-only payments
  • Light documentation
  • Exit strategy required
Typical Requirements
Down Payment: 10-30%
Credit Score: 640+
Max LTV: 70-80%
Term: 6-24 months
Exit Strategy: Required (sale or refinance)
 
 
Ideal for: Investors needing quick capital for acquisitions or value-add projects

CMBS Loans

Securitized commercial loan for larger properties
Key Features
  • Non-recourse financing
  • Fixed rates (5-10 years)
  • Larger loan amounts
  • Defeasance or yield maintenance
Typical Requirements
Min Loan Amount: $2,000,000+
Credit Score: 680+
DSCR: 1.25+
Max LTV: 75%
Property Type: Stabilized, income-producing
Ideal for: Investors with large, stabilized commercial properties seeking non-recourse financing

Commercial Hard Money / Fix & Flip Loans

Asset-based short-term financing for renovations
Key Features
  • Fast approval (3-7 days)
  • Based on after-repair value
  • Renovation funding included
  • Minimal documentation
Typical Requirements
Down Payment: 10-20%
Credit Score: 600+ (flexible)
Max LTV: 65-75% ARV
Term: 6-12 months
Experience: Track record preferred but not always required
Ideal for: Fix-and-flip investors needing quick capital for distressed properties