Commercial Real Estate Financing
- Purchase and refinance
- Cash-out options
- Office, retail, industrial and mixed-use
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 provide 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
- Qualify based primarily on rental-property cash flow, not personal employment income.
- No paystubs, W-2s or tax returns under eligible programs.
- Purchase, refinance and cash-out options may be available.
- Loan amounts up to $5 million and up to 80% LTV, depending on property, credit profile and guidelines.
DSCR measures how well rental income covers the property's payment. For 1–4 units, PITIA includes principal, interest, taxes, insurance and applicable association dues. A ratio of 1.00 means income equals the payment; above 1.00 means income exceeds it.
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 (120%) each month than the PITIA payment requires.
Available for 1–4 units, 5–8 units, and 9+ units. Minimum FICO of 600 required.
1–4 Units
Single-family rentals, duplexes, triplexes and fourplexes in the Loan Factory residential channel.
5–8 Units
Small multifamily properties reviewed for cash flow and borrower qualifications.
9+ Units
Larger multifamily properties 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.
Financing Solutions
Multifamily Financing
- Property cash-flow review
- Purchase and refinance
- Small and larger multifamily properties
Bridge / Fix & Flip Financing
- Short-term financing
- Acquisitions and transitional properties
- Renovation financing options
Business Financing
- SBA financing options
- Business acquisitions
- Working capital
Program features vary by lender and transaction and are subject to lender guidelines.
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