Commercial Real Estate Loan

Financing for multifamily, mixed use, industrial, retail, fix & flip and fix & lease properties.

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Loan Terms:

  • Loan Amount: $100,000 – $50,000,000+
  • Loan Term: 5–30 Years Purchase / Refinance (Amortization Varies)
  • Interest Rate: 7.99% – 12.99%
  • Loan Values/Costs: LTV/LTC/DSCR/PPP/RECOURSE – 70%/65%/NO/NO/YES (w/ carve outs)
  • Origination/Closing Fees: 5% – 9%
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Requirements:

  • 680+ Personal Credit Score or 80+ Business Credit Score
  • $50,000 + Personal Annual Income and or $100,000 + Business Annual EBIDA
  • Less Than 40% DTI
  • 2+ Year in Business
  • Urban and Suburban Areas

Documents To Submit For Approval:

  • Complete Uniform Commercial Loan Application
  • Current 3 Years Federal / State Business / Personal Tax Return
  • Current Interim & FYE Financial Statements (Balance Sheet and P&L Statement)
  • IRS EIN Number Verification
  • Property Appraisal / BPO / Comparative Marketing Analysis
  • Complete Personal Financial Statement Form
  • Current 6 Months Bank Statements Personal / Business (every page, even blank)
  • Articles of Incorporation and Operating Statement
  • Business Occupational License
  • Current (within past 30 days) Detailed Credit Report with FICO Scores from all 3 Credit Bureaus

*NOTE: Personal documents will be required for all business owners with a 20% or more stake in the business.

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