Loan Programs
Financing for every stage of a commercial deal.
Figures below are general guidelines, not commitments — every deal is underwritten on its own merits. Talk to us about your specific scenario.
Bridge Loans
Short-term capital to acquire, reposition, lease-up, or refinance a property ahead of permanent financing.
- Loan Size
- $50K – $10M
- Term
- 6 – 36 months
- Rate
- Starting at 8.75%
- Max LTV/LTC
- Up to 90% LTC
- •All major commercial property types considered
- •Value-add, transitional, or light distress situations
- •Interest-only options available
- •Fast underwriting and close timelines
Fix & Flip
Short-term financing for residential rehab and resale, covering both purchase and renovation costs.
- Loan Size
- $[75K] – $[2M]
- Term
- 6 – 12 months
- Rate
- Starting at 8.75%
- Max LTV/LTC
- Up to [90]% purchase + [100]% rehab
- •1–4 unit residential and small multifamily
- •Sized to after-repair value (ARV)
- •Draw-based rehab funding
- •Fast closings for time-sensitive acquisitions
Permanent / Term Financing
Long-term fixed and floating rate debt for stabilized, cash-flowing commercial assets.
- Loan Size
- $75K – $100M
- Term
- 5 – 30 years
- Rate
- Starting at 6.75%
- Max LTV/LTC
- Up to 80% LTV
- •Minimum DSCR of 1.0x
- •Stabilized occupancy required
- •Multifamily, retail, office, industrial, mixed-use
- •Recourse and non-recourse options
Construction & Development
Ground-up construction and substantial rehab financing structured to your draw schedule.
- Loan Size
- $500K – $15M
- Term
- 12 – 36 months
- Rate
- Starting at 9.75%
- Max LTV/LTC
- Up to 75% LTC
- •Experienced sponsor / GC track record required
- •Approved plans, permits, and budget
- •Draw-based funding with inspections
- •Take-out strategy reviewed at closing
SBA 7(a) & 504
Government-backed financing for owner-occupied commercial real estate and business acquisitions.
- Loan Size
- $250K – $5M+
- Term
- 10 – 25 years
- Rate
- Prime + 2.75%
- Max LTV/LTC
- Up to 90% LTV
- •Owner-occupied (≥51% for real estate)
- •For-profit small business per SBA size standards
- •Business acquisition, expansion, or refinance eligible
- •Lower down payment than conventional financing
DSCR / Rental Financing
Financing for single-family, small multifamily, and portfolio rental properties, qualified on property cash flow.
- Loan Size
- $100K – $10M (portfolio)
- Term
- 30-year fixed / 5-10 yr ARM
- Rate
- Starting at 7.75%
- Max LTV/LTC
- Up to 80% LTV
- •Minimum DSCR of 1.10x
- •No personal income verification required
- •Individual and LLC/entity borrowers
- •Portfolio and blanket loan options
Business Lines of Credit & Term Loans
Working capital and equipment financing for established businesses, structured alongside real estate deals when needed.
- Loan Size
- $50K – $5M
- Term
- 1 – 10 years
- Rate
- Starting at 9.75%
- Max LTV/LTC
- N/A
- •2+ years in operation preferred
- •Minimum annual revenue of $250K
- •Equipment, inventory, or general working capital
- •Revolving and fixed-term structures
Not sure which program fits your deal?
Send us the basics and we'll point you in the right direction.