Commercial Loans

 We provide fixed and variable rate commercial mortgages for the purchase and refinance of commercial properties across the USA. For those properties that are occupied by the owner’s business we also provide construction loans. We are not a bank, we do not accept deposits, but we sell our loans to the same companies that buy loans from banks, so our products look like bank loans but generally with lower interest rates and better terms. We have one centralized location, allowing us to keep costs at a minimum and pass part of that savings on to you.                                                                                                     

Our loans are fixed for up to 10 years and are generally amortized over 25 years; most of our products do not have balloons. We focus on traditional commercial mortgages and SBA 504 loans for owner occupied commercial properties but we do also offer commercial loans on low leveraged investment properties. We do not offer loans on raw land, or for the development of raw land. To qualify for a commercial mortgage with us a typical borrower will have good credit and no bankruptcies in the past.

Unlike a traditional bank, we will give you an answer on your commercial mortgage request usually within 48 hours and without any cost or obligation. You will deal directly with an analyst at our company that presents your loan to the secondary market for purchase;    This saves you time and money.

We offer loans ranging in size from $250,000 to $8,200,000.

There are two types of commercial mortgages for real estate:

  • Owner occupied commercial mortgage – For this type of commercial mortgage, the owner of the property will have his/her business occupying at least 51% of the available space in the building.
  • Investment commercial mortgage – For this type of commercial mortgage, the owner of the property will have his/her business occupy between 0% and 50% of the available space in the building.

Documentation needed to apply for a commercial mortgage:

You can apply online here by answering a few basic questions regarding your commercial mortgage request, once we review your request and determine that we would like to move forward we will request your tax returns and financial statements.

Our commercial mortgage process:

  • We will analyze your commercial mortgage request and generally provide you an answer in 24 hours.
  • We will provide you a written proposal that spells out the proposed terms of the loan; you sign and return the proposal.
  • We will gather any remaining documents we need.
  • We complete the formal credit write up and submit the commercial mortgage request to underwriting for approval.
  • We order the necessary due diligence items like the appraisal and close the loan.

What you can expect from us:

  • World class customer service.
  • 24 hour loan approval or decline.
  • Great rates and terms.
  • Quick loan closing.

Eligible Property Type


Office Condo



Mixed Use


Light Industrial

Self Storage



Funeral Home

C-Store (No Fuel)

Dry Cleaner

Flagged Hotel/Motel*


Medical Office


Assisted Living