Commercial

Loan Types

Explore Your Options

Whether you're looking to expand your operations, invest in new property, or finance equipment purchases, understanding the different types of commercial loans can help you make informed decisions to fuel your business's growth.

Multi-Family / Apartment

Multi-Family | Apartment 5+ Units

 

  • Loan Amount: $150,000 – $50,000,000
     
  • FICO: 660 Minimum
     
  • LTV: Up to 80% LTV or 1.10x DSCR Coverage
     
  • Property Type: Multi-Family 5+ Units or More
     
  • Terms: 5 - 30 Years Fixed Terms and Amortization
     
  • Time to Close: Close in 30 - 60 Days
     
  • Loan Options: Full & Non-Recourse

Commercial Investment

Industrial | Mixed-Use | Retail | Warehouse 

 

  • Loan Amount: $100,000 – $50,000,000
     
  • FICO: 660 Minimum
     
  • LTV: Up to 75% LTV or 1.25x DSCR Coverage
     
  • Property Type: All Commercial Property Types, Including Special Use & Restaurant
     
  • Terms: 3 - 30 Years Fixed Terms and Amortization
     
  • Time to Close: Close in 30 - 60 Days
     
  • Documentation: Full Documentation with 3 Years of Tax Returns to Qualify

Zoned Investment 

Residential | Commercial Zoned Investment

 

  • Loan Amount: $50,000 – $5,000,000
     
  • FICO: 600 Minimum
     
  • LTV: Up to 75% LTV
     
  • Property Type: SFR, Condo, 1-4 Units (All Residential Property Types)
     
  • Terms: Up to 30 Years Fixed Terms and Amortization
     
  • Time to Close: Close in 60 Days
     
  • Documentation: Full Documentation and Stated Products Available to Suit All

Commercial Residential 

No Income | No Doc

 

  • Loan Amount: $50,000 – $50,000,000
     
  • FICO: 525 Minimum
     
  • LTV: Up to 60% LTV
     
  • Property Type: All Residential & Commercial Property Types
     
  • Terms: Up to 30 Years Fixed Terms and Amortization or Short-Term Interest Only
     
  • Time to Close: Close in 30 Days
     
  • Loan Options: Equity & Credit Score Based - No Income Required (Business Purpose Loan Only)

Commercial Conventional

Real Estate Owner-User | Owner-Occupied

 

  • Loan Amount: $100,000 – $100,000,000
     
  • FICO: 640 Minimum
     
  • LTV: Up to 80% LTV
     
  • Property Type: All Commercial Property Types (Must Be Owner-Occupied 41% or More)
     
  • Terms: 5 - 20 Years Fixed Term - Up to 25 Years Amortization
     
  • Time to Close: Close in 30 - 45 Days
     
  • Documentation: Full Documentation with 2 Years of Tax Returns is Required
     
  • Time in Business: Minimum 2 Years in Business for Operating Company

Commercial SBA

Real Estate Owner-User | Owner-Occupied

 

  • Loan Amount: $100,000 – $10,000,000
     
  • FICO:  600 Minimum
     
  • LTV: Up to 90% LTV
     
  • Property Type: All Commercial Property Types (Must Be Owner-Occupied 51% or More)
     
  • Terms: 5 - 25 Years Fixed Term - Up to 25 Years Amortization
     
  • Time to Close: Close in 30 Days
     
  • Documentation: Full Documentation with 3 Years of Tax Returns is Required
     
  • Loan Options: SBA 504 & SBA 7A Loan Programs
     
  • Deals: Projection-Based Deals Available

Let's take a look at the various business loan types!

Learn About Business Loan Types