Loan Factory Commercial · Equity-Based Financing
NO-DOC COMMERCIAL REAL ESTATE LOANS
$150,000 – $500,000
Access the equity in your commercial property without tax returns, income verification, or traditional cash-flow underwriting.
Whether you want to purchase commercial real estate, refinance an existing loan, or access cash for your next investment, our simplified financing program may provide a solution.
Subject to lender review · Minimum guarantor credit score 690 · Up to 50% LTV
COMMERCIAL FINANCING WITHOUT THE TRADITIONAL BANK HEADACHES
- 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
- Nationwide Financing, Including Rural Areas
Unlike traditional commercial real estate financing, this program focuses heavily on property equity, collateral eligibility, and borrower credit rather than documented income or property cash flow.
WHAT TYPES OF PROPERTY MAY QUALIFY?
- Retail Buildings
- Office Buildings
- Industrial Properties
- Warehouses
- Multifamily Properties
- Mixed-Use Properties
- Non-Owner-Occupied Residential Investment Properties
- Raw Land
- Rural Commercial Properties
- Houses of Worship
- Eligible Nonprofit 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.
SIMPLE, FLEXIBLE COMMERCIAL LOAN GUIDELINES
- Loan Amount
- $150,000–$500,000
- Loan Purpose
- Purchase, Refinance, Cash-Out Refinance
- Maximum LTV
- 50%
- Recently Purchased Property
- Lesser of 50% LTV or 65% of original purchase price for properties purchased within the previous three years
- Minimum Guarantor Credit Score
- 690
- Income Documentation
- No Tax Returns or Income Verification Required
- Minimum DSCR
- None
- Minimum Occupancy
- None
- Property Cash Flow Requirement
- None
- Loan Structure
- First Mortgage Only
- Loan Term
- 5 Years
- Amortization
- 25 Years
- Appraisal
- Generally Not Required, Subject to Lender Review
- Geographic Availability
- Nationwide, Including Eligible Rural Properties
- Property Condition
- Must be in good condition; no construction or renovation financing
- Borrower Eligibility
- U.S. Citizens, Permanent Residents, Eligible ITIN Borrowers, and Qualifying Nonprofit Entities
- Personal Guarantee
- Unlimited guarantee required from applicable guarantors
- Prepayment Penalty
- Applies under lender guidelines
Additional underwriting and closing costs may apply. Guidelines are subject to lender review and change.
Need $500,000 to $1,000,000? Explore our Low-Doc Commercial Real Estate Loans
THREE SIMPLE STEPS TO EXPLORE YOUR FINANCING OPTIONS
01
Tell Us About Your Property
Provide basic property information, estimated value, and desired loan amount.
02
We Review Your Scenario
Our commercial lending team reviews the property, available equity, and preliminary program eligibility.
03
Explore Your Financing Options
If the transaction appears eligible, we discuss available loan structures, documentation, estimated costs, and next steps.
PUT YOUR COMMERCIAL PROPERTY EQUITY TO WORK
Many commercial property owners have substantial equity tied up in their real estate. This program may allow qualified owners to access that equity without selling their property.
- Purchasing Additional Real Estate
- Business Expansion
- Working Capital
- Debt Consolidation
- Investment Opportunities
- General Business Liquidity
Cash-out proceeds are generally unrestricted, subject to lender requirements.
FIND OUT IF YOUR PROPERTY MAY QUALIFY
Answer a few quick questions and our commercial lending team will review your financing scenario.
Step 1 of 2
Your Property
Your Property
* Required fields
FREQUENTLY ASKED QUESTIONS
What is a No-Doc commercial real estate loan?
An equity-focused loan that evaluates collateral eligibility and borrower credit without traditional income documentation. No-doc does not mean no underwriting.
Do I need to provide tax returns?
Tax returns are not required under this featured program. Other credit, property, entity and closing documentation may be requested.
Is income verification required?
Traditional income verification is not required. Lender review of credit, collateral and applicable guarantees still applies.
Does my property need to generate positive cash flow?
There is no minimum property cash flow or DSCR requirement for this program. Property eligibility and collateral review remain required.
Can I refinance a property that I own free and clear?
A property owned free and clear may qualify for a new first mortgage to access equity, subject to lender review and leverage limits.
Can I take cash out of my commercial property?
Cash-out may be available to qualified owners. Proceeds are generally unrestricted, 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.
What types of commercial property qualify?
Eligible retail, office, industrial, warehouse, multifamily, mixed-use, investment residential, raw land, rural commercial, houses of worship and nonprofit properties may qualify. Eligibility varies by collateral and lender review.
Can rural commercial properties qualify?
Yes, eligible rural properties may be considered nationwide, subject to collateral and applicable licensing review.
How long does the financing 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.
Is an appraisal required?
An appraisal is generally not required, but the lender may require one after reviewing the property. An appraisal waiver is not guaranteed.
Are there prepayment penalties or closing costs?
Prepayment penalties apply under lender guidelines. Underwriting, closing and other applicable costs may apply and will be discussed during review.
YOUR COMMERCIAL PROPERTY EQUITY COULD HELP FUND YOUR NEXT OPPORTUNITY
Explore flexible commercial real estate financing from $150,000 to $500,000 without traditional income documentation.
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, collateral review, and applicable loan terms. No-income-documentation financing does not mean no underwriting. Rates, fees, loan terms, and availability are subject to change. Submission of an inquiry does not constitute an approval or commitment to lend. Loan Factory Commercial connects borrowers with financing sources and is not the direct lender.