Commercial Real Estate Financing

  • Commercial Mortgages
  • Bridge Loans
  • Fix and Flip Financing
  • SBA 7a and 504 Loans
  • Rental Property Loans

Call 800-819-9406

If you are considering purchasing or refinancing a commercial or investment property and want more options and more flexibility than a traditional bank, we can help. We specialize in providing commercial real estate loans ranging from $100,000 up to $50 million with unique programs for both investors and business owners.

Loan Programs

Conventional Commercial Mortages

We offer a wide range of conventional commercial mortgage solutions for purchase, refinancing and cash-out refinancing for commercial and investment properties.   

Loan sizes – $50,000 to $50,000,000

Loan to Value up to 75%

Term – up to 30-years 

Rates – from 4.25% to 11.99%

Time to Close – 3 to 6 weeks 

Flexible FICO Programs for owner-occupied properties

SBA 7A and 504 Loans

SBA Financing for the purchase of owner-occupied commercial properties is a great option for buyers looking for a low down payment and longer term.  

Both the 7A and 504 program require down-payments as low as 10% and 25-year amortization.     They can be used for the purchase and renovation of commercial properties.

A 7A loan can also be used for other purposes such as working capital, equipment, business acquisitions and debt consolidation. 

504 loans are limited to purchasing commercial real estate, renovations and heavy equipment.

Our SBA specialists can provide expert advise as to which program is the best fit for you. 

Rental Loans

Long-term financing for investors who are holding properties for rental income. 

Collateral:

Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes; Planned Unit Development (PUD)

Amortization Options:

30 Year Fixed, Hybrid ARMS (5/1, 7/1, 10/1), &5 & 10- Year Interest-Only

LTV:

PurchaseLesser of up to 75% of the As-Is Value or Up to 80% Loan-to-Cost

Refinance: Up to 75% of the As Is Value

Cash-Out: Up to 70% of the As Is Value

Loan Size: 

$55,000 to $2,000,000

Rates:

starting at 4.95%

Minimum FICO:

650

Debt Service Coverage Ratio (DSCR):

1.10

Bridge Loans

Short-term loans secured by real estate for a wide range of situation, including bridge funding, land acquisition, development, construction, bank work-outs, note purchases, foreclosures and bankruptcies.

Term – 1 to 3 years interest only with no prepayment penalty

Collateral – Typically commercial real estate. Other fixed assets may be considered in some cases.

Loan to Value – Loan amounts can be up to 70% of the value of the collateral.  If the loan is for construction or renovation, the loan can be funded in stages up to 60% of the improved value.

Rates – Depending upon collateral, rates start around 8% interest-only with origination fees ranging from 2% to 5%.  Rates for international transactions are higher than domestic loans.

Minimum Loan Amount – $100,000 in the Mid-Atlantic region and $500,000 nationwide ($3,000,000 international).  

Fix and Flip Loans

Collateral:

Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes: 5+ Unit Apartments; Mixed-Use Properties

LTV:

Up to 90% of the Purchase Price + 100% of the Renovation Cost; Not to Exceed 75% of the ARV

Term:

12 Months (6-Month Extension Available)

Loan Amount:

$50k – $2M for 1-4 Family, Condos, & Townhomes

$250k – $5M for Multi-Family (5+)/Mixed-Use

Minimum As-Is Property Value:

$50k for Single-Family

$25k per Unit for 2-4 Family

$35k per Unit for Multi-Family (5+)/Mixed-Use

Minimum FICO:

650

Rates

As Low As 8.25% (Interest Only Charged on Outstanding Balance)

CMBS Loans

CMBS loans provide owners of income-producing properties with access to the capital markets for loans.

Acquisition or Refinance (with unrestricted cash-out)

Loan amounts from $2,000,000 to $100,000,000

Amortization – 25-30 years

Term – 5 to 10 years

Non-Recourse 

Sponsor Credit Blemishes Considered


Eligible Property Types

  • Multi-family
  • Mixed-use
  • Strip Malls
  • Retail
  • Office
  • Single Family Investment
  • Day Care Center
  • Light Industrial
  • Hospitality
  • Marinas
  • Warehouse
  • Auto Repair
  • Self-Storage
  • Mobile Home Parks
  • Churches