Commercial Real Estate
Asset Based. Investor-Focused.
We know Commercial properties can be complex assets, and traditional banks make financing slow and demanding. Our underwriters specialize in Commercial Real Estate, to deliver flexible, asset-based loans that help investors and small businesses access capital — with minimal paperwork and maximum speed. Our commercial Real Estate Loans are sourced from Private Funds which give you more flexibility than Institutional or Bank Capital.
Program Highlights
Designed to help investors and business owners acquire or refinance commercial properties seamlessly. Less paperwork, flexible rules, and Step-by-Step guidance are built into our process. Take advantage of commercial debt to grow wealth !
Our Program guidelines include:
Loan Amount:
$250,000 – $5,000,000
LTV:
Up to 75% Purchase or Refinance
Loan Term:
30-Year Fixed or 10 Years Interest-Only
Property Type:
Multi-Family (5+ units), Mixed-Use, Retail, Office, Warehouse, Self-Storage
Debt Service Coverage:
1.20x minimum
States:
Nationwide Lending Available (excludes AK, ID, ND, SD, VT, UT)
Why Choose Our Small Balance Commercial Loans
True Asset-Based Underwriting
Speed you can count on
Competitive Leverage
Up to 75% LTV for Purchase and 70% LTV for Refinance
Flexible Loan Structure
Purchase, refinance, Cash-out with the terms you want
High Success Rate
Reliable execution powered by expert Underwriters
Multi-Asset Lending
We fund residential, commercial, mixed-use, and specialty properties
Steps to Funding
Submit Your Deal
Fill out our short online form with property and loan details.
Review with a Loan Officer
Within 24 hours, your dedicated officer will walk you through options and next steps.
Accept Term Sheet & Fund
Sign term sheet—funding in as soon as 7–10 days once approved.
Recently Funded
12-Unit Multi-Family – Marion IN Cash-Out Refi @ 70% LTV
FAQs: Small Balance Commercial Loans
A credit score of 660+ and a stabilized property that can support the mortgage payments.
Yes. Every loan requires a commercial appraisal to confirm property value and condition. Loan terms are set based on appraisal reports.
Absolutely. We finance both investment and owner-user commercial properties.
Rates for larger commercial properties (institutional or stabilized assets) are typically based on the SOFR index plus a spread of 2%–4%, depending on leverage, property type, and borrower strength. For smaller balance commercial properties, rates are often priced using the Prime Rate plus 2%–4%. Your exact rate will depend on loan size, term, credit profile, and asset class.
Financing includes multi-family (5+ units), mixed-use, retail, warehouse, self-storage, office, and automotive facilities.
Yes. You can pull equity up to 70% LTV in refinance scenarios.
With clean title and appraisal, closings are possible in 30 business days
Most programs include short-term penalties (3–5 years), though flexible step-down structures are available.
Commercial Loans will require current rent roll and leases (if applicable), recent operating statements and Proforma. An appraisal and Environmental report will also be ordered during underwriting.
70-Unit Multi Family Complex– OH Purchase @ 75% LTV