SBA Real Estate Loan
Unique lending product with flexibility to match product terms to borrower and property goals. Asset types include multifamily, mixed use, office, retail, industrial, self-storage, franchise and hospitality. Financing can be used for acquisition, refinance, recapitalization and cash out.
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Loan Terms:
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Loan Amount: $350,000 - $5,000,000+
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Loan Term: 2 - 5 Years (longer terms may apply)
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Interest Rate: 4.75% - 8.00%
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Upfront Fees: Recourse (Prepayment Penalties in some cases)
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Origination/Closing Fees: 1% – 2.5%
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Loan Values/Costs: Up to 80% LTV of Stabilized Value
Requirements:
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680+ Personal Credit Score or 80+ Business Credit Score
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$50,000 + Personal Annual Income and or $100,000 + Business Annual EBIDA
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Less Than 40% DTI
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1+ Year in Business
Documents To Submit For Approval:
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Complete Uniform Commercial Loan Application
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Construction Project Plans, Budgets and Permits
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Current 2 Years Tax Returns Personal and Business
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FYE and Current Business Balance Sheet and Profit & Loss Statement
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Complete Personal Financial Statement Form
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Current 6 Months Bank Statements Personal / Business (every page, even blank)
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Current (within past 30 days) Detailed Credit Report with all FICO