Commercial Real Estate Loans

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Permanent CRE Loan

Unique Benefits

• $500,000 – $50,000,000 Max Funded Amount

• Terms: 5 – 30 Years

• Fixed or Variable Rates Starting Prime + 2%

• Amortization: 20 – 30 Years

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Qualifications

• Stabilized Property (≥90% Occupancy)

• DSCR ≥ 1.20

• 660+ FICO for Recourse Loans

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SBA 504 Loan

Unique Benefits

• Up to $5,000,000 Max Funded Amount

• Terms: 10 – 25 Years

• Rates: Prime + 1% – 2.75%

• Up to 90% Financing Available

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Qualifications

• 51% Owner-Occupied Property

• 2 Years in Business

• 660+ FICO

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Bridge Loan

Unique Benefits

• $500,000 – $100,000,000 Max Funded Amount

• Terms: 6 – 36 Months

• Fast Closings (2 – 4 Weeks)

• Interest-Only Payments

• Ideal for Acquisition, Renovation, Stabilization

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Qualifications

• Property as Collateral

• Up to 70% LTV

• Clear Exit Strategy (Sale or Refinance)

• Experience Preferred

 

Construction Loan

Unique Benefits

• $1,000,000 – $50,000,000 Max Funded Amount

• Terms Aligned with Project Duration

• Up to 75% LTC (Loan-to-Cost)

• Draw Schedule for Disbursements

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Qualifications

• Approved Plans and Permits

• General Contractor Contract

• Developer Experience

 

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Business Commercial Loans

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SBA Loan​

Unique Benefits

• $5 Million Max Funded Amount

• Approvals: 1-5 Days, Funding 4-10 Weeks

• SBA 7a: 10 Year Term SBA 504: 25 Year Term

• Rate: Prime + 1% - 2.75%

• Monthly Payments

• No Prepayment Penalty

• Reports to Business Credit Bureaus

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Qualifications

• 2 Years Time in Business

• 660+ FICO

• $40,000 Deposited Monthly in Business Bank

Account or $500,000 Annual Sales

• No BKs/Liens/Foreclosures in Last 3 Years

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Business Term Loan

​Unique Benefits

•$10 Million Max Funded Amount

• 1 - 2 Year Terms

• Weekly/Monthly Payments

• No Prepayment Penalty

• Refinance up to 2 Loans

• Could Report to Business Credit

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Qualifications

• 2 Years Time in Business

• 600+ FICO

• $500,000 Annual Sales or $40,000

Deposited Monthly

• Business Bank Account

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Business Line of Credit​

Unique Benefits

• $750,000 Max Line of Credit

• Approved Amount Based on Cash Flow

• Same Day Funding Available

• Only Pay for What You Use

• Weekly/Monthly Payments

• True Revolver; Each Payment Frees Up

Additional Available Funds

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Qualifications

• 1 Year Time in Business

• 600+ FICO

• $500,000 Annual Sales or $40,000

Deposited Monthly

• Business Bank Account

 

Mezzanine Financing

Unique Benefits

• $500,000 – $20,000,000 Max Funded Amount

• 1 – 3 Year Terms

• Rates: 12% – 20%

• Subordinate Position (Behind Senior Lien)

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Qualifications

• Solid Exit Plan

• Senior Lender Identified

 

Receivables & Inventory-Based Credit Lines

• A/R Line of Credit: Up to 95% of Receivables

• Inventory Line of Credit: Up to 85% Liquidation Value​​​​

 

 

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