WHAT IS COMMERCIAL REAL ESTATE?

Commercial real estate is property intended for business use. This includes office buildings, retail locations, warehouses, and industrial facilities. Commercial real estate transactions involve buying, selling, or leasing these properties to support business activities.

These can include:

• Hospitals
• Assembly plants
• Storage warehouses
• Shopping centers
• Office spaces
• Gas stations
• RV parks
• Land
• And any other location serving a business enterprise.

SIMPLE APPLICATION

> Our simple 15-second online application can get you matched with offers in minutes.

650+ FICO

> Bad credit? No problem! Most of our top financing options have a minimum of just 650 FICO.

UP TO $25 MILLION

> Get matched with the best financing options with the highest funding amounts.

TERMS UP TO 30 YEARS

> we provide a wide variety of terms with 30-year terms available on certain products.

What Do You Need To Qualify?

Down Payment Requirements

> All CRE products require a minimum of 20% equity investment (cash or equity in property already owned).

Minimum Property Value

> All commercial real estate loans have a minimum property value of $250,000, regardless of property type.

Additional Considerations

> Lease agreements, contingencies, and legal representation are key to successful real estate transactions.

Step 1. Apply Online

> Secure an instant pre-approval. Our application ​process is straightforward and can be ​completed in seconds.

Step 2. Review Options

> Your personal loan advisor will discuss finance ​options available with you for your business.

Step 3. Receive Your Funds

> Finish the online application process and ​receive your funds in as little as 24 hours.

APPLY  

Financing for Building Projects

• Definition: A construction loan is a short-term financing option specifically designed to cover the costs associated with building a custom home or developing commercial property.
  Unlike a traditional mortgage, a construction loan focuses solely on the construction phase.
  

Loan Details:

• Loan Amount:Funding ranges from $100,000 to $500 million.
  
• Loan Duration:Typically 12 to 24 months, often with interest-only payments during this period.
  
• Minimum Credit Score:To qualify, you’ll generally need a minimum credit score of 650 or higher.
  
• Loan-to-Cost (LTC):Up to 80% LTC, depending on the lender and project specifics.
  

Required Documents:

• Gather the following documents:Executive summary
  Construction budget
  Existing appraisal, environmental, and survey reports
  Personal Financial Statement for all principals
  Corporate Entity Documents
  Real estate track record
  
  
  
  

What is a residential investment property loan?

An investment property loan is a loan that is used to purchase a property that will produce income. It is typically used for purchasing a property to renovate to generate rental income.

SIMPLE APPLICATION

> Our simple 15-second online application can get you matched with offers in minutes.

650+ FICO

> Bad credit? No problem! Most of our top financing options have a minimum of just 650 FICO.

NO COST ADVISOR

> You'll get matched with your own dedicated Business Financing Advisor at no cost!

EXPRESS FUNDING

> Our fintech speed can reduce your loan process to as little as 14 days!

What Do You Need To Qualify?

>Prior Experience History

Experience with prior successful residential investment real estate projects is a requirement.

Minimum Property Value

> All residential investment property loans have a minimum property value of $250,000, regardless of property type

650 FICO Score

> We have financing options for all credit profiles. The minimum FICO score required to apply is 650.

Step 1. Apply Online

> Secure an instant pre-approval. Our application ​process is straightforward and can be ​completed in seconds.

Step 2. Review Options

> Your personal loan advisor will discuss finance ​options available with you for your business.

Step 3.

> Receive Your Funds

Finish the online application process and ​receive your funds in as little as 24 hours.

APPLY 

This loan is intended for new and experienced real estate investors seeking funding for Mixed-use properties. Mixed Use properties refer to properties intentionally used for a variety of purposes, including commercial, residential, retail, office, or parking space. For instance, if you had an apartment complex, retail stores, and businesses located within the same area, this would be a mixed-use property.

• Loan amount $300K to $50M
• 12 months to 30 years
• Min property value: $35K per door
• Square footage for commercial and residential spaces
• Min credit score 650
• Up to 70% LTV for purchase
• Up to 65% LTV for  Cash-out Refinance
• Document needed: Application; Two months' bank statement; Corporate Entity Documents; Real estate track record; Rent roll; and Operating statement

• Definition: These short-term loans are intended for both new and experienced real estate investors.
  Ideal for funding property renovations (fix & flip) or long-term rental investments (hold strategy).
  

Loan Details:

• Loan Amount: Funding ranges from $75,000 to $10 million.
  
• Loan Duration: Typically 12 to 18 months.
  
• Minimum Credit Score: A credit score of at least 650 is generally required.
  
• Loan-to-Value (LTV):Up to 85% of the purchase price.
  Plus 100% of renovation costs, not exceeding 75% of the After Repair Value.
  
• Eligible Property Types:1-4 units (non-owner occupied)
  Condos
  Townhouses
  Multifamily properties
  Mixed-use properties
  

Required Documents:

• Gather the following documents: 

Required documents for your real estate financing application:

• Application
• Two months’ bank statement
• Corporate entity documents
• Rehab budget
• Previous real estate experience
• Photo ID (Driver's license)

• Definition: A land loan (also known as a lot loan) is used to finance the purchase of a plot of land.
  
  Ideal for buying land to: Build a home
  Utilize for business purposes
  

Loan Details:

• Loan Amount:Funding available from $100,000 and up.
  
• Loan Duration:Typically a 12-month bridge loan.
  
• Minimum Credit Score:A credit score of at least 650 is generally required.
  
• Loan-to-Value (LTV):Up to 50% LTV for raw land.
  Up to 75% LTV for developed land.
  

Required Documents:

Gather the following documents: 

 

Application

• Two months’ bank statement
• Corporate entity documents
• Rehab budget
• Previous real estate experience
• ID