Real Estate Financing

Our commercial & residential real estate loans provide funding options for every investment strategy

What is a commercial real estate loan?


Commercial real estate loans are ideal for businesses looking to either purchase, develop or construct new property as well as current commercial property. The way it works is businesses can apply for this type of financing in order to secure a loan (may also be referred to as mortgage for this specific financing) which itself is secured by liens on the commercial property. As the name states, this is for commercial properties only and not for residential properties. Understanding that this loan is for commercial real estate, the terms and rates may differ from a traditional residential mortgage.

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The use for this type of financing can vary, meaning the business does not have to acquire new property in order to apply. This loan can cover expenses such as refinancing or renovations needed on current business real estate in addition to covering new real estate property. Small business owners or even large corporations may be eligible for this type of loan. Keep in mind, this type of financing is very different to a traditional residential mortgage that you would apply for when purchasing or refinancing a residential property. Aside from different terms and rates (as mentioned above) the requirements and application process vary as well.

FIX & FLIP | FIX & HOLDS

Loans for investors who are buying distressed properties, rehabbing, and selling

GROUND-UP CONSTRUCTION

Loans for builders with shovel-ready lots or teardown projects. Spec houses or model homes, infill, teardown, or subdivisions.

RENTAL

Loans for real estate investors looking to rent out single properties or portfolios and refinance or purchase.

MULTIFAMILY

Loans for investors buying distressed multifamily properties that need capital expenditures and rent increases to stabilize and bring value to current market standards.

What is a commercial real estate loan?


Commercial real estate loans are ideal for businesses looking to either purchase, develop or construct new property as well as current commercial property. The way it works is businesses can apply for this type of financing in order to secure a loan (may also be referred to as mortgage for this specific financing) which itself is secured by liens on the commercial property. As the name states, this is for commercial properties only and not for residential properties. Understanding that this loan is for commercial real estate, the terms and rates may differ from a traditional residential mortgage.

​

The use for this type of financing can vary, meaning the business does not have to acquire new property in order to apply. This loan can cover expenses such as refinancing or renovations needed on current business real estate in addition to covering new real estate property. Small business owners or even large corporations may be eligible for this type of loan. Keep in mind, this type of financing is very different to a traditional residential mortgage that you would apply for when purchasing or refinancing a residential property. Aside from different terms and rates (as mentioned above) the requirements and application process vary as well.

FIX & FLIP | FIX & HOLDS

Loans for investors who are buying distressed properties, rehabbing, and selling

GROUND-UP CONSTRUCTION

Loans for builders with shovel-ready lots or teardown projects. Spec houses or model homes, infill, teardown, or subdivisions.

RENTAL

Loans for real estate investors looking to rent out single properties or portfolios and refinance or purchase.

MULTIFAMILY

Loans for investors buying distressed multifamily properties that need capital expenditures and rent increases to stabilize and bring value to current market standards.

Real Estate Financing Details

Advantages

  • No income verification

  • Lower interest rates than most other funding structures

  • Tax benefits are possible for the interest costs on

  • Opportunity to access a large amount of funds towards your purchasing plans

  • Simple, straightforward application process and your financing is not based on your creditworthiness alone

Real Estate Financing Details

Advantages

  • No income verification

  • Lower interest rates than most other funding structures

  • Tax benefits are possible for the interest costs on

  • Opportunity to access a large amount of funds towards your purchasing plans

  • Simple, straightforward application process and your financing is not based on your creditworthiness alone

Qualifying Criteria

  • 650+ personal credit score for LTVs over 50%

  • 620+ personal credit score for LTVs 50% or less

  • 12 months mortgage history

Documentation Required

  • Signed one page funding application

  • Lease agreement required for subject property on refinance transcations

  • 3-5 months of business bank statements

  • Details on the property to be acquired

Qualifying Criteria

  • 650+ personal credit score for LTVs over 50%

  • 620+ personal credit score for LTVs 50% or less

  • 12 months mortgage history

Documentation Required

  • Signed one page funding application

  • Lease agreement required for subject property on refinance transcations

  • 3-5 months of business bank statements

  • Details on the property to be acquired

How To Apply

Pre-Qualify Online

To get prequalified, follow the "Apply Now" button and submit some basic business information.

Get Approved

After your submission has been processed by the underwriting team, we will reach out to discuss the options you qualify for.

Get Funded

Upon approval and accepting the offer, funds are deposited directly into your business bank account so you can use the money immediately.