Loan Factory Commercial · Reduced-Documentation Financing
LOW-DOC COMMERCIAL REAL ESTATE LOANS
$500,000 – $1,000,000
Access up to $1 million in commercial real estate financing without traditional tax-return documentation.
Whether you are purchasing commercial property, refinancing an existing loan, or accessing equity for your next investment, our Low-Doc program provides qualified borrowers with a streamlined financing alternative.
Subject to lender review · Minimum guarantor credit score 690 · Up to 50% LTV
COMMERCIAL FINANCING WITH LESS PAPERWORK
- No Tax Returns Required
- Simplified Financial Documentation
- Up to 50% Loan-to-Value
- Unrestricted Cash-Out
- Purchase or Refinance
- Nationwide Property Financing
This program uses a simplified financial documentation process that includes bank statements and a personal financial statement rather than traditional tax-return underwriting. Approval remains subject to credit, financial strength, collateral, and lender requirements.
WHAT TYPES OF COMMERCIAL PROPERTY MAY QUALIFY?
- Office Buildings
- Retail Properties
- Industrial Buildings
- Warehouses
- Multifamily Properties
- Mixed-Use Properties
- Investment Residential Properties
- Houses of Worship
- Eligible Nonprofit Properties
- Rural Commercial Properties
Eligibility varies by property type and lender review. Primary residences, construction or renovation projects, hospitality, senior/assisted living, skilled nursing and cemeteries are not eligible collateral for this featured program. Raw land is not eligible for Low-Doc financing above $500,000.
LOW-DOC COMMERCIAL LOAN REQUIREMENTS
- Loan Amount
- $500,000–$1,000,000
- Maximum LTV
- 50%
- Loan Purpose
- Purchase, Refinance, Unrestricted Cash-Out
- Minimum Guarantor Credit Score
- 690
- Income Documentation
- No Tax Returns Required
- Required Financial Documentation
- Personal Financial Statement and Bank Statements
- Liquidity Requirement
- 20% of Loan Amount
- Net Worth Requirement
- Four Times Loan Amount
- Loan Term
- 5 Years
- Amortization
- 25 Years
- Loan Position
- First Mortgage Only
- Personal Guarantee
- Required
- Geographic Availability
- Nationwide, Including Eligible Rural Properties
- Recently Acquired Properties
- Lesser of 50% LTV or 65% of original purchase price for acquisitions within three years
- Interest Rate Structure
- Variable, based on Wall Street Journal Prime plus 2.5%, subject to a 7% floor and current lender pricing
- Prepayment Penalty
- Applicable under lender terms
Additional lender fees, due diligence requirements, property tax escrow, and closing costs apply. Guidelines are subject to lender review and change.
Need $150,000 to $500,000? Explore our No-Doc Commercial Real Estate Loans
THREE SIMPLE STEPS
01
Tell Us About Your Property
Provide the property type, location, estimated value, and requested financing amount.
02
We Review Your Scenario
Our commercial lending team evaluates preliminary eligibility, available equity, borrower credit, and financial strength.
03
Explore Your Loan Options
If the transaction appears eligible, we explain the available financing structure, documentation requirements, costs, and next steps.
ACCESS YOUR COMMERCIAL PROPERTY EQUITY WITHOUT SELLING
Commercial property owners may have substantial equity that can be used to fund additional investments or business opportunities. Our Low-Doc program allows qualified borrowers to explore cash-out financing up to $1 million without traditional tax-return documentation.
- Purchase Additional Real Estate
- Business Expansion
- Working Capital
- Debt Consolidation
- Investment Opportunities
- Business Liquidity
Cash-out proceeds are generally unrestricted, subject to lender requirements.
FIND OUT IF YOUR PROPERTY MAY QUALIFY
Tell us a little about your property and financing needs. Our commercial lending team will review your scenario.
Step 1 of 2
Your Property
Your Property
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FREQUENTLY ASKED QUESTIONS
What is a Low-Doc commercial real estate loan?
A commercial real estate loan from $500,000 to $1,000,000 that uses bank statements and a personal financial statement instead of traditional tax-return underwriting. Reduced documentation does not mean no underwriting.
Do I need tax returns?
Tax returns are not required under this program. Other credit, property, entity and closing documentation may be requested.
What financial documents are required?
A personal financial statement and bank statements. The lender may request additional property, entity or closing documents.
Can I refinance a property owned free and clear?
A property owned free and clear may qualify for a new first mortgage, subject to lender review and the 50% maximum LTV.
Can I take cash out?
Unrestricted cash-out may be available to qualified borrowers, subject to lender requirements and applicable terms.
What credit score is required?
The minimum guarantor credit score is 690. Meeting that minimum does not guarantee eligibility or approval.
How much liquidity is required?
Borrowers generally need liquidity equal to 20% of the loan amount, subject to lender review.
What net worth is required?
Net worth of at least four times the loan amount is generally required, subject to lender review.
What types of commercial property qualify?
Eligible office, retail, industrial, warehouse, multifamily, mixed-use, investment residential, rural commercial, house of worship and nonprofit properties may qualify. Raw land is not eligible for this program.
Are there prepayment penalties and closing costs?
Prepayment penalties apply under lender terms. Lender fees, due diligence, property tax escrow and closing costs also apply and will be discussed during review.
Is an appraisal required?
Valuation and due diligence requirements are determined by the lender after reviewing the property. An appraisal waiver is not guaranteed.
How long does the process take?
Timing varies with the property, documentation, underwriting and closing requirements. We can discuss an estimated timeline after reviewing your scenario; no closing time is guaranteed.
COMMERCIAL FINANCING UP TO $1 MILLION — WITHOUT TRADITIONAL TAX-RETURN DOCUMENTATION
Explore flexible commercial real estate financing with simplified documentation and cash-out options.
Bill Beggs · Loan Factory Commercial
bill.beggs@loanfactory.comwww.LoanFactoryCRE.com
COMMERCIAL FINANCING DISCLOSURES
All financing is subject to lender underwriting, credit approval, property eligibility, liquidity, net worth, collateral review, and applicable loan terms. Reduced-documentation financing does not mean no underwriting. Rates, fees, loan terms, and availability are subject to change. Submitting an inquiry does not constitute loan approval or a commitment to lend. Loan Factory Commercial connects borrowers with financing sources and is not the direct lender.