What Is a Commercial Loan?

Long-term financing for investors acquiring income-producing commercial real estate, or business owners purchasing their own facility. Up to 80% LTV, funded in as little as 21–30 days.

✔ Up to 80% LTV
✔ Investor & owner-occupied eligible
✔ Min. credit score 650
✔ Multiple doc programs available

How a Commercial Loan Works

Our Commercial Loan program is long-term permanent financing — not a short-term bridge or construction loan — built for investors buying or refinancing income-producing commercial property, and for business owners purchasing the facility they operate out of. We offer three documentation paths depending on the borrower: Tax Return (full financials required), Lite Doc (bank statements or similar), and No Doc (no income documentation).

For investor/income-producing deals, the property must clear a minimum 1.10 DSCR. Owner-occupied purchases are evaluated based on the business and the space it will occupy.

Get a Quote → Call (862) 293-2467
Up to 80% LTV Competitive leverage
Investor & owner-occupied Both eligible
Min. credit score 650 Across all doc programs
Min. DSCR 1.10 For income-producing/investor deals
$150,000–$5,000,000 Loan amounts available
Long-term permanent financing Not a bridge or construction loan
Retail, office, industrial, mixed-use Eligible property types
Tax Return, No Doc & Lite Doc Multiple doc programs available

Commercial Loan Requirements

Straightforward requirements built around the property and the doc program that fits.

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Minimum credit score: 650
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Up to 80% LTV
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Minimum DSCR 1.10 on income-producing/investor deals
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Both investor and owner-occupied purchases eligible
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Three doc programs: Tax Return (full financials), Lite Doc (bank statements), No Doc (no income documentation)
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Loan amounts: $150,000–$5,000,000
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Long-term permanent financing
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Property types: retail, office, industrial, mixed-use, 5+ unit multifamily
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Standard step-down prepayment penalty — same structure as DSCR

How to Get a Commercial Loan

Pick the doc program that fits and let us underwrite the deal.

1
Tell us about the property Investor purchase, refinance, or owner-occupied acquisition.
2
Pick the doc path that fits Tax Return, Lite Doc, or No Doc.
3
We underwrite the deal The property, the doc program, and DSCR where applicable.
4
Close and fund Long-term financing in place, funded in as little as 21–30 days.
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Common Questions

Can I use this for a property I'll operate my own business out of?
Yes. Both investor purchases of income-producing property and owner-occupied acquisitions are eligible.
What's the difference between Tax Return, Lite Doc, and No Doc?
Tax Return requires full financials, Lite Doc uses bank statements or similar in place of tax returns, and No Doc requires no income documentation at all — the program you qualify for depends on the deal and the property.
Is there a minimum DSCR requirement?
Yes, for income-producing/investor deals the property must clear a minimum 1.10 DSCR. Owner-occupied deals are underwritten differently.
What credit score do I need?
A minimum credit score of 650.
What's the minimum occupancy requirement?
The property must be at least 75% occupied at closing.

Ready to Finance Your Commercial Property?

Get a quote on your commercial property today. Long-term financing, funded in as little as 21–30 days.

Get a Quote Call (862) 293-2467