Commercial Loans

Commercial loans are available for multi-family properties with 5 or more units, mixed-use, office, retail and industrial buildings. There are essentially two categories that all commercial real estate owners fall into: Investors or Owner-Users. 

Investors purchase properties and then lease them out to tenants to generate income.  These properties are generally appraised and loans are underwritten based on the income or potential income of the properties.  

Owner-Users utilize the buildings, or at least 51% of the space, for their own business purposes. These properties are generally appraised using the sales comparison approach and loans are underwritten based on the business income of the buyer.  Besides conventional commercial loan programs, owner-users may also qualify for the SBA 504 loan which allows for up to 90% financing.

The commercial loan process can be much more complex than residential loans requiring submission of numerous records and paperwork.  To make the process even more complicated, lenders perform a "Global Cash Flow" analysis which entails looking at both the business and individual cash flow when determining small business loan requests.  Realizing that many of our commercial clients are simply too busy to search for lenders and loan rates, we partnered with commercial lenders to make this process as simple as possible.

Available Loan Programs: