Commercial Property
Financing

We finance a wide range of commercial properties including multifamily apartments (10+ units), retail centers, shopping malls, hotels and motels, self-storage facilities, office buildings, industrial properties, warehouses, and mixed-use developments. Our team specializes in understanding the unique requirements of each property type to structure the most suitable financing solution.

Our minimum loan amount is $1 million for commercial properties. We require a property value of at least $1M, a debt service coverage ratio (DSCR) of 1.20 or higher, and the borrower must have experience in commercial real estate investment. The property should be in good condition or have a detailed renovation plan, with clear title and proper zoning.

We can typically close commercial loans in 30-45 days from application approval. For urgent situations, we may be able to expedite the process. Our streamlined underwriting process and dedicated commercial lending team ensure faster decisions compared to traditional banks. Pre-qualification can often be completed within 24-48 hours.

Most of our commercial loans are asset-based, meaning they're secured primarily by the property itself rather than personal guarantees. However, personal guarantees may be required depending on factors such as the borrower's experience, the property's cash flow, loan-to-value ratio, and overall deal structure. We work to minimize personal guarantee requirements whenever possible.

Our commercial loan interest rates typically start at 7.5% and vary based on factors including property type, location, cash flow, loan-to-value ratio, borrower experience, and loan term. Rates are competitive with market standards and may be fixed or variable depending on the loan structure that best fits your investment strategy.

Yes, we can finance properties that require renovation or improvements. We offer renovation financing solutions where funds are held in escrow and released as work is completed. This includes value-add opportunities, property improvements, tenant improvements, and repositioning projects. We'll work with you to structure a loan that accommodates both the acquisition and renovation phases.

Absolutely! We offer refinancing solutions for existing commercial properties including rate-and-term refinancing, cash-out refinancing, and loan consolidation. Whether you want to lower your interest rate, extend your loan term, access equity for other investments, or improve cash flow, we can structure a refinancing solution that meets your goals.