Without hassle or frustration, you can obtain a commercial mortgage loan* for small balance projects from $100,000 to $5-million and for large commercial loans. No loan limits for certain property types.
Small balance loans feature high loan-to-values up to 90% LTV for owner-users.
Loans are available for a wide variety of commercial properties including office condo, multifamily, mixed-use, retail and office buildings, industrial, mobile home park, warehouse, self storage, auto repair shop, body shop, and other special use properties.
Owner-occupied and investor loans
Full doc and stated income
My funding sources want to make it easy for a commercial property owner, like yourself, to obtain a purchase commercial mortgage loan or refinance loan either as a Rate & Term or to obtain unlimited cash out for any reason. And the process has been streamlined to get your loan closed within 30 to 45 days.
IMPORTANT UPDATE ON CONVENTIONAL MULTIFAMILY LOANS
Multifamily LTVs are 80% maximum due to recent changes in the credit markets. 10% down financing is no longer available for conventional financing.
Special Financing Available for Multi Family Property
$2 Million minimum loan amount
New Construction/Substantial Rehab up to 90% loan-to-cost
Purchase up to 85% LTV (7.5% seller carry back can be
Refinance up to 85% LTV rate & term, 80% LTV cash out
35 to 40 year amortization
35 to 40 year term (no balloon)
Assumable Loan
Low, fixed interest rate
Non-recourse
Third-party expenses and loan costs can be financed
Get a financing offer in 48 hours
Although my funding sources make commercial loans nationwide, they work with appraisers and title services in your area that are familiar with your local market and processing procedures. Learn more about the easy process of obtaining competitive loan bids online with one simple application form. It's free, without obligation and no credit check.
I look forward to helping you, Naomi M.
Up to 90-percent Commercial Loans
Lenders specializing in small commercial mortgage loans nationwide are offering the high loan-to-value financing up to 90-percent (90%) LTV - Wow!
There are a handful of funding sources for high loan-to-value commercial loans. Get competitve bids from all of them right here with one simple application form.
Program Highlights
- Borrow up to 90-percent LTV for owner-occupied properties including: mixed-use, office building, office condo, retail building, strip center, warehouse, automotive repair, and light industrial
- Borrow up to 90-percent LTV for investor properties and certain owner-occupied property types including: mobile home parks, self-storage, bed and breakfast, heavy industrial, funeral home, dry cleaners, and automotive dealership
- Loan amounts from $100,000 to $5 million
- Long fixed terms available
- Faster closings within 30 to 45 days
- Use all income sources to qualify, not just property cash-flow
- Unlimited cash-out refinancing for any purpose
- Fast loan quotes and loan approvals
Click on the application button above | Learn More
Small Balance Commercial Loans
Business owners and investors now have easy access to small
balance loans as low as $100,000 loan amount.
Niche funding lenders have opened up the opportunity for many
commercial property owners to more easily obtain financing with
high loan-to-value ratios.
Program Highlights
- High LTVs up to 90% of the property value
- Loan amounts from $100,000 to $3 million for investor/owner-occupied
- Loan amounts from $100,000 to $5,000,000 for owner-occupied
- Longer fixed terms up to 30 years
Click on the application button above | Learn More
Large Commercial Loans
Business owners and investors financing large properties from $500,000 and up with a 20% down payment can obtain the most competitive loan terms available.
Tap into a database of 100s of lenders with one simple online application form to receive competitive bids for the best pricing and terms.
Click on the application button above | Learn More
SBA Small Business Administration Loan
The Small Business Administration offers guaranteed loan programs to small business owners. The two most widely used programs are the 7 (a)Loan Guaranty and the Certified Development Company (CDC), a 504 Loan Program.
Program Highlights
- Use for real estate purchase or refinance
- Up to 90% LTV
- Obtain working capital
- Obtain business equipment
- Buy a business up to 85% LTV
- Preferred SBA Approved Lenders provide faster approvals and fundings
Click on the application button above | Learn More
Secured and Unsecured Business Loans
There are a variety of options available for the business owner to get cash for business expenses or expansion. Use your commercial property (or even your home) to secure a business line of credit or obtain a business loan not dependent on real estate ownership providing more flexibility for your use.
Option A: Secured Line of Credit
Ideal for the owner-occupied commercial property owner (at least 51% occupancy) to tap into your equity for quick cash when you need it for your business. Low cost, easy qualifying and very flexible terms make this an ideal solution for a business loan. Investor property also qualifies for this loan program.
- Available in all 50 states
- Owner-occupied and investor properties qualify
- $100,000 - $1,000,000 or more loan amounts for any business purpose
- Full doc - 3 years business and personal tax returns
- Loan repayment based on personal and/or business returns, personal credit and appraisal.
- Borrow up to 80% LTV on equity value of the commercial property. (Can go up to 90% CLTV with 10% tied to a term loan)
- Own your property free and clear? Great. Equity line can be in 1st position, too
- 660 middle credit score required (Help available to boost your score to qualify)
- Prefer 3 year business ownership (Will consider 2 years with compensating factors)
- Interest rate based on the Prime Rate
* Some terms vary depending on the state
SECURED BUSINESS LINE OF CREDIT - This program allows business owners to obtain a credit line secured by real property assets including: primary residence, second home or investment property or income generated from other owned properties.
- No income verification to qualify for repayment if personal credit is 680 or above. No documents needed except personal credit report and appraisal report.
- Full doc verification with personal credit under 680
- Lines up to $750,000 with personal credit of 750 or above
- Equity line can be tied to a short term loan for higher loan limits
Option B: Unsecured Line of Credit, Business Loan
- $100,000 - $1,000,000 or more loan amounts
- Multiple lending sources available to match you with the best lender that "likes your deal"
- No income documentation programs available
- Prefer 2+ years in business, but start-ups are ok
- 680 Experian FICO score required (Help available to increase your score to qualify)
- Get cash to buy or expand a business
- Get cash to buy a franchise
- Get cash for a partnership buyout
- Working capital
- FAST FUNDINGS!
Option C: Cash Advances Based on Credit Card Sales
Get fast cash without the hassle of traditional funding sources. This option is ideal for restaurants, hotels, retailers, or any business that accepts credit cards. It's a quick and easy alternative to SBA lending or unsecured bank loans.
- Cash advance amounts from $10,000 to $500,000 and more
- Credit decisions typically within 24-48 hours
- Funding typically within one week
- Over 90% of applications are APPROVED
- No real estate security or ownership requirements
- No credit score requirements or qualifications
- No verification of income or assets
- Purchase or cash-out
Commercial Mortgage Equity Line of Credit
Unlock the equity in your commercial property with an equity line of credit while preserving your existing mortgage. If your property is free and clear - NO PROBLEM! The equity line can be in 1st position, too.
Commercial Equity Line of Credit
This program is ideal for the owner-user business owner. Need fast cash for business expenses or expansion or just want to pull some cash out of your equity for other projects? The equity credit line may be the ideal solution.
For more details on this program, click on the Business Loans tab above.
Read Option A: Secured Line of Credit
Important Note: Make sure your 1st loan contains NO CLAUSE PROHIBITING secondary financing. Please review your note before submitting a loan application.
Click on the application button above
Eligible Property Types |
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Tier 1 Properties
Tier 2 Properties
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Tier 3 Properties
Tier 4 Properties
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Specialty Loans and Property Types
If you need a special loan type or have a special use property that does not fit the typical eligibility types, you can tap into a special lender database to get exactly what you need.
Specialty loan and property types can include:
- Bridge loans
- Conduit loans
- Construction - development loans
- Hard money loans
- Land loans
- Mezzanine loans
- Structured loans
- Special use property types - such as skating rinks and other recreational facilities
Nearly all banks and a number of other funding sources like the “easy” deals. If it looks like approving your commercial loan will take some extra effort, they’ll pass. They’d rather work on the easy files.
Fortunately, not every lender has that same lazy attitude. I’ve got some hard workers in my lender database to get the tough loans approved and funded.
A number of features that stumble the lazy lenders are:
Land contracts
Deferred maintenance
Short seasoning period
Inheritance property
Unforeseen business or economic events that are one-time events that have affected cash-flow or credit history
Complicated tax returns and financial statements
...and so on
Let me have my hardworking lenders that enjoy a “challenge” take a look at your situation and I think you’ll be pleasantly surprised!
right help on your tough commercial loan
Small Commercial Mortgage Online Real Estate News
*Obtain your small commercial mortgage loan throughout the country, including Alabama, Alaska, Arizona, Arkansas, (California - this offer is not valid in this state), Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Washington DC, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
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