We specialize in providing tailored commercial loan solutions designed to help secure the best financing for the clients. Our flexible credit guidelines and diverse lending programs ensure that we can accommodate a wide range of investment and business needs

Key Highlights of Our Lending Guidelines:

Loan Sizes – Target loan amounts ranging from $300,000 to $50 million, with customized
financing solutions for businesses of all sizes.
Loan Terms & Amortization – Competitive terms up to 10 years and amortization up to 25 years.
For select asset classes, such as newly constructed properties, we offer extended amortization options.
Loan-to-Value (LTV) Ratios –

• SBA 504 Loans – Financing up to 90% for commercial real estate and equipment purchases, combining bank loans with SBA-backed second mortgages for lower down payments and longer terms.
• Multifamily & Apartments – Up to 80% of appraised value or cost.
• New Construction – Up to 85% of allowable costs, ensuring feasibility based on Net Operating Income (NOI).
• Commercial & Specialty Properties – LTVs vary from 70% to 80%, depending on the asset class and risk profile.
  Lien Position – First lien preferred, second lien considered when the bank holds the first lien and underwriting factors meet guidelines.
  Cash Flow Coverage (DSCR) – Minimum 1.20x – 1.30x, with some flexibility for lower coverage if other compensating factors exist. Flexible & Competitive Interest Rates –
• Fixed & Floating Rate Options Available
• Competitive pricing, WSJ Prime +/-
• Structured financing with rate adjustments tailored to borrower risk profile and asset class

Loan Programs & Asset Classes
Multifamily & Apartment Loans – Financing for stabilized and newly built apartment buildings, with LTVs up to 75% and terms designed for long-term investments.

Owner-Occupied Business & Commercial Real Estate Loans – Ideal for business owners looking to acquire, refinance, or expand their facilities, with high LTVs and favorable repayment terms.
Commercial Construction Loans – Up to 80% of cost, covering office buildings, retail centers,
and mixed-use developments.

Close your loans even faster than before using seller carry backs or 2^nd mortgages behind out 1^st Mortgage.

We allow up to 90% CLTV on all our investment properties.

• 1-4 units
• Mixed use
• Multi-family
• Warehouse
• Industrial
• Automotive
• Retail

We offer loans from 75k to 5 million.

SBA to Conventional Financing

PARAMETERS

up to 80% LTV and 85% LTC

DSCR 1.2x -1.3x but can go as low as 1.05x -1.0x

DSCR Projection based on new development or business

Term 5 yr – 10yr or longer in some cases 

Up to 25 yr am

Rate – floating of fixed

Rates WSJ Prime +/-

(6.5% –  7.5%) +/- range right now