Commercial Real Estate & Business Financing
Financing Solutions for Investors, Property Owners & Business Owners
Explore financing options through our network of commercial and business loan programs. From investment properties and commercial real estate to business acquisitions, working capital, and equipment, we help connect borrowers with financing solutions.
Our Financing Programs
- DSCR Investor Loans
- Commercial Real Estate Loans
- Multifamily Financing
- SBA Business Loans
- Business Lines of Credit
- Equipment Financing
- Bridge & Construction Loans
- Unsecured Business Loans
$250K to $300M+
Financing Requests
Commercial & Business
Financing Solutions
Step 1 of 8
Intake Form
What are you looking to accomplish?
DSCR Investment Property Financing
DSCR (Debt Service Coverage Ratio) loans help real estate investors finance rental properties based on the property cash flow rather than personal employment income. Eligible programs may not require traditional employment-income documentation or tax returns.
Purchase, refinance, and cash-out options may be available, with loan amounts up to $5 million and up to 80% loan-to-value (LTV), depending on the property, credit profile, and lender guidelines.
DSCR measures how well rental income covers the property's payment obligations.
For 1–4 unit rentals, it is typically monthly gross rental income divided by principal, interest, taxes, insurance, and applicable association dues (PITIA). A ratio of 1.00 means income equals those obligations; above 1.00 means income exceeds them.
A higher ratio generally indicates stronger coverage. Commercial multifamily programs may instead use net operating income divided by debt service.
HOW THE DSCR RATIO IS CALCULATED
Monthly Rental Income
$7,800
÷
Monthly Loan Payment
$6,500
=
DSCR
1.20
In this example the property produces $1,300 more each month than the payment requires. Sample numbers reflect loan amounts of $1 million and up and are for illustration only.
$6,500 ÷ $6,500
1.00
Income equals the payment
$7,800 ÷ $6,500
1.20
Income exceeds the payment
$9,000 ÷ $6,600
1.36
A wider margin above the payment
Available for 1-4 units, 5-8 units, and 8+ units • Minimum 600 credit score required
1-4 Units
Single-family rentals, duplexes, triplexes, and fourplexes, where property cash flow is a central part of the review.
5-8 Units
Small multifamily rental properties evaluated on property cash flow and borrower qualifications under applicable lending guidelines.
9+ Units
Larger multifamily rental properties and portfolio holdings reviewed under commercial lending guidelines.
Featured Commercial Loan Program
NO-DOC COMMERCIAL REAL ESTATE LOANS
$150,000 – $500,000
Unlock the equity in your commercial property without traditional income documentation.
- No Tax Returns Required
- No Income Verification
- No Minimum DSCR
- No Minimum Property Cash Flow
- No Minimum Occupancy Requirement
- No Appraisal in Most Cases
- Unrestricted Cash-Out Available
- Nationwide Financing
Own commercial real estate with substantial equity?
Our simplified commercial financing program helps qualified property owners access capital without the extensive income documentation required by traditional lenders. Financing is available for purchases, refinancing, and cash-out transactions.
Explore No-Doc FinancingSubject to lender underwriting and property review. Minimum guarantor credit score 690; maximum 50% LTV. Appraisal and cash-out terms vary by lender review.
Featured Commercial Loan Program
LOW-DOC COMMERCIAL REAL ESTATE LOANS
$500,000 – $1,000,000
Commercial real estate financing up to $1 million with simplified income documentation.
- No Tax Returns Required
- Bank Statements Accepted
- Personal Financial Statement
- Up to 50% LTV
- Unrestricted Cash-Out Available
- Nationwide Financing
Own commercial real estate with substantial equity?
Our Low-Doc Commercial Loan Program helps qualified property owners access up to $1 million with streamlined documentation requirements. Financing is available for purchases, refinancing, and cash-out transactions.
Explore Low-Doc FinancingSubject to lender underwriting, credit, liquidity, net worth, and collateral eligibility requirements.
Maturity & Balloon Risk
Commercial Loan Maturing?
Your Current Lender Is Not Your Only Option.
Higher rates, changing property values, tighter underwriting, reduced debt-service coverage, and evolving lender requirements can make refinancing more difficult than expected.
Loan Factory Commercial helps property owners explore alternatives for upcoming maturities, balloon payments, bank renewals, cash-out requests, and refinancing challenges.
We Fund Loans That Others Can't
Bank Turn-Downs
Low DSCR
Flexible Credit Profiles
Transitional Properties
Cash-Out Requests
Time-Sensitive Closings
Property Condition Issues
Complex Ownership Structures
Unique Real Estate Transactions
Different lenders have different credit boxes, leverage limits, property preferences, debt-service requirements, and underwriting standards. A transaction declined by one lender may fit another financing source.
Financing Solutions
Commercial and investment real estate financing.
Commercial Real Estate Financing
Refinance, cash-out, loan maturities, multifamily, industrial, retail, mixed-use, office, owner-occupied properties, and specialty real estate.
Multifamily Financing — Units
Financing for multifamily properties, with property cash flow and borrower qualifications reviewed under applicable commercial lending guidelines.
- Property cash-flow review
- Cash-out refinance
- Interest-only options
- Purchase and refinance options
- Flexible credit profiles
- Portfolio investor solutions
Fix & Flip / Bridge Financing
Short-term financing for acquisitions, renovations, transitional properties, and time-sensitive real estate opportunities.
- Interest-only options
- Rehab financing
- Short-term financing
- Flexible property condition
- Fast-close programs
- No application fee programs available
Equity Access
Cash-Out & Equity Solutions
Access equity from commercial and investment properties without selling the property.
- Acquire additional real estate
- Renovate or reposition properties
- Consolidate debt
- Improve liquidity
- Fund business needs
- Build reserves
Program features vary by lender and transaction and are subject to lender guidelines.
Cash-Out Financing
Access Your Equity Without Selling.
Commercial and rental property owners may be able to convert accumulated equity into usable capital while retaining ownership of the property.
Commercial • Multifamily • Bridge • Portfolio Properties
Cash-out options may be available for acquisitions, renovations, reserves, debt consolidation, business purposes, and portfolio expansion.
Multifamily Financing — 5+ Units
Financing Built for Multifamily Investors
Commercial multifamily financing considers the property's income, expenses, debt-service coverage, and borrower qualifications. 1–4 unit investment-property DSCR loans remain within the Loan Factory residential lending channel.
- Property Cash-Flow Review
- Cash-Out Available
- Interest-Only Options
- Purchase & Refinance Options
- Flexible Credit Profiles
- Portfolio Investor Programs
Fix & Flip / Bridge
Move Quickly When the Opportunity Is Time-Sensitive.
Bridge and fix-and-flip financing for acquisitions, renovations, transitional properties, and transactions that may require faster or more flexible underwriting than a conventional bank can provide.
- Interest-Only Options
- Rehab Financing
- Short-Term Capital
- Flexible Property Condition
- Fast-Closing Programs
- No Application Fee Programs Available
THE PROCESS
How The Process Works
From your initial inquiry to funding, we make commercial financing straightforward.
STEP 1
Tell Us About Your Financing Needs
Share a few details about your property, business, financing goals, and requested loan amount.
STEP 2
We Evaluate Your Options
We review your financing needs and identify loan programs that may fit your situation.
STEP 3
Streamlined Documentation
We help you understand what information is needed. Documentation varies by loan program.
STEP 4
Loan Review & Next Steps
We discuss potential terms, review available options, and guide you through the next steps.
STEP 5
Close & Move Forward
Complete the approval and closing process, then put your financing to work.
Have a Real Estate Financing Challenge?
Tell us about the property and what you are trying to accomplish.
Prefer to talk? Call (800) 303-4883Commercial • Multifamily • Cash-Out • Bridge • Construction • SBA • Equipment • Business Financing