Our lending programs provide an alternative to traditional bank financing that is ideal for borrowers seeking small balance commercial real estate loans from $100,000 up to $1,500.000.

We lend nationwide and offer high loan-to-value...with up to 90% financing available to qualified borrowers. Our niche programs are best suited for investors that want maximum leverage on commercial real estate purchases and refi/cashouts. Our innovative program features include residential style underwriting, 72-hour pre-approvals, unlimited cash out, long terms and amortizations, quick 30 - 45 day closings, multiple pricing options and minimal costs.

Our loan pre-approval process is simple, streamlined and flexible. Commercial real estate investors turn to us for quick turn around times, borrower friendly terms and ease of transaction.

We have elimianted many attributes that are commonly associated with other lending programs:

No upfront fees                                           No loan committees            
No past lending relationships required          No balloon payments    
No lengthy pre-approval process                 No minimum debt service requirements
No yield maintenance                                  No mandatory lockouts

Available Financing Based On Credit Scores:

                                     A credit borrowers (680+ middle credit score)
                                     A- credit borrowers (679-640 middle credit score)
                                     B credit borrowers (639-580 middle credit scores) 

Tier 1 & 2 Property Types

Multifamily, Mixed-Use, Office, Retail, Self Storage, Light Industrial, Warehouse, Bed & Breakfast, and Mobile Home Park

90% financing ( A )
85% financing ( A- )
80% financing ( B )

Tier 3  Property Types

Automotive Service, Flagged Hospitality (Motel & Hotel), Rooming House, Industrial, and Funeral Home.

80% financing ( A )
75% financing ( A- )
70% financing ( B )

Tier 4  Property Types

Restaurant, Daycare, RV Park, Unflagged Hospitality (Motel & Hotel), Health Care (Assisted Living Facility)

75% financing ( A )
70% financing ( A- )
65% financing ( B )

If you have had trouble obtaining financing in the past because of paperwork or lack of quality lenders, you're not alone. Our new program promises to change that. The program is based on your good credit and a residential approach to underwriting your transactions.

Thanks to this new program's streamlined underwriting, we also are able to close your loans quickly (usually 30-45 days.) Also, we make it possible for you to buy commercial property with little down, or refinance to take cash out without liens on your residence. And best of all rates are competitive.

Our commercial loan program offers:

• Purchase - Refinancing - Cash Out
• Competitive rates and terms
• 48-hours pre-approvals
• Quick Closings
• No usage restrictions on cash-outs
• Seller held 2nd's permitted
• No balloons
• No cost of renewals
• 5% / 10% / 15% Down payment options
• Terms up to 30 Years
• Multiple rate options
• Stated Income / Stated Asset Loans Available
• Tap equity in a current location as a down payment for your next commercial purchase
• Multiple loans to one borrower

Commercial lending for existing business, startups and business acquisition

• Multifamily Housing (5+ Units)
• Offices
• Mixed Use
• Warehouse
• Self-Storage
• Retail
• Bed & Breakfast
• Convenience Stores
• Laundromats
• Beauty Shops
• Vet Offices
• Mobile Home Parks
• Strip Malls
• Light Industrial