Collateral Based
Property Types
Business Based
Other Business Related Services
Underwriting Types
Full Documentation-Where the borrower’s income is verified by a federal tax return. Any loan involving an owner-occupied business will also require a business federal tax return. Loans in this underwriting class tend to have the lowest interest rate.
No Documentation-Where the borrower’s income is not disclosed to the lender. This underwriting class tends to have the highest interest rates and is defined as “hard money”.
Credit Requirements-We work with all types of personal credit. (Generally, the higher the credit score the lower the interest rate. However, in commercial mortgages there are many other factors that effect the rate).
Loan Amounts
Large Balance Loans- Generally are loans that are $2,000,000 and up. The lending criteria on these deals focus more on project worthiness. However, sponsor/guarantor strength is still a factor.
Small Balance Loans-Generally are loans that are $1,999,999 and under. The financial strength and credit rating of the borrower/guarantor are very important in lending decisions. The project cash flow must also be at an acceptable level for loan approval.
- Investment Properties
- Blanket Loans (More than one property)
- Permanent Placement
- Corporate and LLC Loans
- Small Bridge Loans ($1,999,999 and under) 12-24 Months
- Large Bridge Loans ($2,000,000 and over) 24-36 Months
- Non-Recourse Mortgages ($5,000,000+ Only)
- Small Business Administration (SBA) 504 & 7A Loans
- Hard Money Mortgages (For tougher credit scenarios)
- Debt & Equity Loans
- Acquisition & Development Loans
- Construction & Renovation Loans
Property Types
- Mixed Use
- Retail Buildings
- Office Buildings
- Hotels & Motels (Flagged or Non-Flagged)
- Large Apartment Buildings (20+ Units)
- Warehouse & Industrial
- Restaurants/Taverns
- Golf Courses
- Bed & Breakfast
- Auto Repair/Body
- Self Storage Facilities
- Single Tenant
- Gas Stations/C-Store
- Mobile Home Parks
- International Land Development
- Domestic Land Development
- Acquisition, Development, and Construction
- Special Purpose Properties
- Plus Many More
Business Based
- Commercial Equipment Leasing & Financing
- Factoring (Accounts Receivable Loans)
- Bank Instrument Financing (Macro-Micro)
- Business Lines of Credit (2 years in business required)
- Small Business Loans for Working Capital
- Business Acquisitions/Term Loans (typically 5-10 years)
- Export/Import Trade Finance
Other Business Related Services
- Business Advisory & Consulting
- Real Estate Sales (Selected Markets)
- Investor Property Cash Flow Analysis
- Development Strategy & Implementation
- Business Plans and Feasibility Studies
- Executive Summary & Press Kit Preparation
Underwriting Types
Full Documentation-Where the borrower’s income is verified by a federal tax return. Any loan involving an owner-occupied business will also require a business federal tax return. Loans in this underwriting class tend to have the lowest interest rate.
No Documentation-Where the borrower’s income is not disclosed to the lender. This underwriting class tends to have the highest interest rates and is defined as “hard money”.
Credit Requirements-We work with all types of personal credit. (Generally, the higher the credit score the lower the interest rate. However, in commercial mortgages there are many other factors that effect the rate).
Loan Amounts
Large Balance Loans- Generally are loans that are $2,000,000 and up. The lending criteria on these deals focus more on project worthiness. However, sponsor/guarantor strength is still a factor.
Small Balance Loans-Generally are loans that are $1,999,999 and under. The financial strength and credit rating of the borrower/guarantor are very important in lending decisions. The project cash flow must also be at an acceptable level for loan approval.
