Conventional
Owner / User Commercial Real Estate
Applicants must be able to show stabilized and sufficient business cash flow and must be able to generally support the requested loan amount. This loan product is designed for business owners that will occupy at least 35% of the subject property.
Loans Amortized up to 30 Years
Fixed Rates up to 25 Years
Up to 85% Loan to Value
Purchase, Refinance, or Construction
Cash Out
Debt Restructure
Negotiable Prepayment Terms
Lender Origination Fees Typically Waived
Loans Amortized up to 30 Years
Fixed Rates up to 25 Years
Up to 85% Loan to Value
Refinance or Purchase Transactions
Cash Out
Debt Restructure
Negotiable Prepayment Terms
Lender Origination Fees Typically Waived
Investor Commercial Real Estate
Tailored for all commercial real estate asset classes that are non-owner occupied. This conventional loan product is based on the net operating income generated by the tenants that occupy the subject.
Loans Amortized up to 30 Years
Fixed Rates up to 20 Years
Up to 75% Loan to Value
Purchase, Refinance, or Construction
Cash Out
Interest Only (in limited cases)
Negotiable Prepayment Terms
Lender Origination Fees Typically Waived
Loans Amortized up to 30 Years
Fixed Rates up to 20 Years
Up to 75% Loan to Value
Refinance or Purchase Transactions
Cash Out
Interest Only (in limited cases)
Negotiable Prepayment Terms
Lender Origination Fees Typically Waived
Special Purpose Commercial Real Estate
For properties which are developed for a single or specialized purpose (i.e., churches, gas stations, dealerships, etc.), this loan type takes into consideration the unique characteristics of this property type. This product is applicable to both owner and non-owner occupied real estate.
Loans Typically Amortized 20 to 25 Years
Fixed Rates
Up to 65% Loan to Value (up to 85% for SBA)
Purchase, Refinance, or Construction
Cash Out
Debt Restructure
Lender Origination Fees Typically Waived
Loans Typically Amortized 20 to 25 years
Fixed Rates
Up to 65% Loan to Value (up to 85% for SBA)
Refinance or Purchase Transactions
Cash Out
Debt Restructure
Lender Origination Fees Typically Waived
SBA 504
The SBA 504 Loan Program is a partnership between a lending institution, a Certified Development Company (CDC) acting on behalf of the SBA, and the business owner (borrower). Under the SBA 504 Loan program, a lending institution will lend 50% or more of the total project cost, the CDC will provide a maximum of 40% of the total project cost and the business owner will generally provide a minimum of 10% of the total project.
Although transaction costs are higher for SBA loans, in some cases these higher costs are justified by a smaller down payment.
20 & 25 Year Fully Amortized (SBA Portion)
Fixed Rate for the Life of the Loan (SBA Portion)
Up to 90% Loan to Value
Purchase, Refinance, and/or Construction
Assumable and Transferable
Real Estate/Equipment Secured
20 & 25 Year Fully Amortized (SBA Portion)
Fixed Rate for the Life of the Loan (SBA Portion)
Up to 90% Loan to Value
Purchase, Refinance, and/or Construction
Assumable and Transferable
Real Estate/Equipment Secured
SBA 7(a)
The SBA’s 7(a) program provides loans to small businesses unable to secure financing through conventional loan programs. The program makes loans through a lending institution, guaranteed by the SBA.
Although transaction costs are higher for SBA loans, in some cases these higher costs are justified by a smaller down payment.
25-Year Fully Amortized
Up to 100% Financing
Working Capital Loans
Debt Restructure
Business Acquisition
Non-Real Estate Secured Business Loans
Refinance or Purchase Transactions
May Use Projections
25-Year Fully Amortized
Up to 100% Financing
Working Capital Loans
Debt Restructure
Business Acquisition
Non-Real Estate Business Loans
Refinance or Purchase Transactions
Commercial and Industrial (C&I) Lending
Commercial and industrial loans provide companies access to funds for working capital or to finance major capital expenditures. These loans are typically secured by collateral owned by the business requesting the financing.
Term Loans Typically Amortized 5 to 7 years
Fixed Rates Available
Lines of Credit
Inventory
Equipment
Asset Based Lending
Debt Restructure/Structured Finance
Leveraged Buyouts (LBO)
Term Loans Typically Amortized 5 to 7 years
Fixed Rates Available
Lines of Credit
Inventory
Equipment
Asset Based Lending
Debt Restructure/Structured Finance
Leveraged Buyouts (LBO)
Multifamily Agency
Most loans originated in accordance with these programs are for multifamily properties and are made by both bank and non-bank lenders. These loans are backed by the federal government and are sold in the secondary mortgage market after origination.