COMMERCIAL LENDING SOLUTIONS

Explore our range of services designed to help you move forward with confidence, wherever you're headed next.

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What We Offer

Our expertise allows borrowers to explore a full spectrum of commercial financing options, including full-documentation traditional loans, asset-based and DSCR (Debt Service Coverage Ratio) programs, SBA-backed solutions, bridge and construction financing, and more. We work closely with borrowers to understand their situation and match them with the most appropriate program. We help business owners, real estate investors, and developers secure financing tailored to their goals — whether acquiring property, refinancing, expanding operations, or stabilizing income-producing assets. With access to a robust network of commercial financing sources, we offer flexible underwriting, competitive structures, and streamlined processes.

  • These are standard commercial mortgages for income-producing properties.

    Used for:
    - Acquisition or refinance of commercial real estate
    - Owner-occupied properties
    - Investment properties
    - Mixed-use, industrial, retail, office, multifamily

    Key Features:

    - Full documentation — verified income, financials, property cash-flow
    - Loan amounts — typically ranging from $500,000 up to multi-millions
    - Terms usually from 5–25+ years
    - Fixed and adjustable-rate options

    Property Types Supported:

    - Multifamily 5+ units
    - Mixed-use
    - Retail/strip centers
    - Warehouses, industrial
    - Auto service buildings
    - Other commercial asset classes

  • Designed for real estate investors focused on property cash flow rather than personal income documentation.

    These products help investors qualify where traditional income documentation would be a barrier.

    Tax returns and income verification are not needed, but they come with a higher rate.

    What they’re used for:

    - Investment property purchases or refinances
    - Portfolio expansion for experienced investors
    - Program Highlights
    - DSCR underwriting — loan eligibility primarily based on property income relative to debt payments
    - Minimum loan sizes often start around $500,000
    - LTVs commonly up to 75–90%, depending on credit profile, experience, and quality of rental leases

  • Short-term and specialized commercial finance options to support project timing or business needs.

    Bridge Financing

    • Temporary funding while securing permanent capital

    • Available for acquisition, repositioning, or transitional property strategies

    Construction & Development Loans

    • Funds new construction or property improvements

    • Can convert to long-term financing once the project is stabilized

    Business-Purpose Loans

    • Funds used for business growth or property expansion

  • Government-backed commercial loans provide favorable terms and financing flexibility.

    • Purchase or refinance of owner-occupied commercial real estate

    • New construction or redevelopment

    • Working capital or equipment

    • Expansion or acquisition of an existing business

  • Across our investors’ network, we also source structured financing such as:

    • Bank statement underwriting

    • Light documentation loans

    • Asset-based and business cash flow financing

    • These products help serve clients who may not qualify under conventional bank standards due to documentation, credit profile, or unique property characteristics.

    General Eligibility & Minimum Requirements

    • While specific requirements vary by product and lender, typical benchmarks include:

    • Property Cash Flow / DSCR: Most non-SBA transactions require a positive DSCR, typically 1.0+ (1.20+ preferred)

    • Reserves: Many investor loans require several months of reserves

    • Loan Amount Minimums: Common minimums start around $500,000

    • Documentation: Varies from full documentation (tax returns/financials) to limited or no ratio-based on program

    • Property type and use: Must meet eligibility criteria for the selected product

    All specialized programs also require specialized underwriting. The terms of the loans are determined on a caseby- case basis once the entire loan package is available for underwriting. Some cases may require an upfront application fee.