Loan Programs
Seven ways to fund your next deal.
Commercial real estate is financed by a wide range of lenders, each with its own appetite and terms. We track every one of them so you don't have to — and match your deal to the program that actually fits.
Multifamily Lending
- 5+ unit property financing
- West Coast & nationwide programs
- Maximum 80% loan-to-value
- Nationwide from $1,000,000+
- California from $500,000+
Owner-User Lending
- Core commercial financing
- West Coast & nationwide programs
- Maximum 75% loan-to-value
- Nationwide from $1,000,000+
- California from $500,000+
Commercial Lending
- Owner-occupied financing
- West Coast & nationwide programs
- Maximum 90% loan-to-value
- Nationwide from $500,000+
- SBA & conventional options
DSCR Rental Lending
- 1-4 unit rental investment properties
- Qualify on property cash flow
- Maximum 80% loan-to-value
- Nationwide from $100,000+
- No tax returns required
Construction Lending
- Ground-up commercial development
- Funds disbursed in draw phases
- Maximum 75% loan-to-cost
- Nationwide from $1,000,000+
- Local footprint bank & debt fund sources
SBA 7(a) Lending
- General-purpose small business financing
- Real estate, equipment & working capital
- Maximum 90% loan-to-value
- Loans up to $5,000,000
- Business acquisition financing available
SBA 504 Lending
- Fixed-asset & owner-user real estate
- As little as 10% down
- Below-market fixed CDC-portion rate
- Bank + CDC dual-lien structure
- Loans up to $5,500,000+ (CDC portion)
| Lending Area | Nationwide, with preferred programs for Western states |
|---|---|
| Loan Amount | $1,000,000 and up nationwide; $350,000 and up in California |
| Maximum LTV | Up to 80%, based on risk and in-place cash flow |
| Fixed Rates | Starting at 5.75% and above |
| Amortization | 30-year amortization standard |
| Recourse | Non-recourse options available |
| Prepayment | Ranges from none to yield maintenance or stepdown |
| Underwriting | Starting at a 1.15x debt service coverage ratio |
Lender Partners
- Banking institutions
- CMBS conduit lenders
- Life insurance companies
- Fannie Mae, Freddie Mac, FHA
- SBA small business loans
- Private individual investors
- Private investment groups
- Mortgage debt funds
- Commercial mortgage REITs
- Chartered credit unions
- Marketplace crowdfunding
Property Types
- Multifamily (5+ units)
- Office buildings & parks
- Industrial and flex buildings
- Retail investment properties
- NNN investment properties
- Mixed-use developments
- Self-storage facilities
- Mobile home parks
- Hotels (flagged and boutique)
- Special purpose properties
- Single-family portfolios
Transaction Types
- Long-term perm financing
- Short-term bridge financing
- Value-add rehab strategies
- 1031 exchange transactions
- Ground-up construction
- SBA business real estate
- Cash-out refinances
- Commercial lines of credit
- Delayed purchase loans
- NNN 100% construction loans
- Single-family portfolio lending