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