$100K – $50M
Loan Amount
From 6.5%
Interest Rate
30 – 60 days
Time to Fund
Up to 30 yr
Term
The deal gets priced, not just the borrower.
CRE underwriting works differently from business credit. A commercial deal lives or dies on the property and its income. Debt service coverage, loan-to-value, sponsor strength, and asset class all feed the pricing. We work with banks, life insurance companies, agency lenders on multifamily, and private capital for value-add and bridge. The right source depends entirely on the asset and the business plan, which is why one-size-fits-all brokers miss so often on CRE.
Most conventional CRE loans want 20 to 30 percent down, amortize over 10 to 30 years, and offer a choice between fixed and floating rate structures. If the property is owner-occupied, SBA 504 is often on the table and can bring the down payment closer to 10 percent, which is usually a better structure on the deals it fits.
Eligibility what we typically look for
- Personal credit score of 660 or higher.
- 20 to 30 percent down payment on conventional CRE.
- Property appraisal.
- Business and personal financial statements.
- Rent roll on income-producing properties.
- DSCR of 1.25 or better.
Why founders pick this
Key benefits
- Long amortization holds monthly debt service down so cash flow breathes.
- Fixed and floating rate options depending on how you want to handle rate risk.
- Built for acquisition, refinance, construction, and value-add renovation.
- Works for both owner-occupied real estate and pure investment plays.
Things people ask before applying.
Office, retail, industrial, warehouse, multifamily with 5 or more units, hospitality, and most mixed-use buildings all qualify. Single-family homes used as primary residences do not. Those go through residential mortgage channels.
Conventional CRE lenders typically want 20 to 30 percent down. If the property is owner-occupied and the deal fits the SBA 504 program, that number can drop to around 10 percent, which is usually the move if you qualify.
DSCR measures how much cushion the property's income has over the proposed loan payment. A DSCR of 1.25 means the property generates 25 percent more net income than the debt service costs. Most lenders want at least 1.25, and stronger ratios earn better pricing.
Often stacked with this one.
SBA Loans
Federally backed financing with the lowest rates and longest terms most small businesses will ever see. The right call when the deal is too large, too long, or too ambitious for a quick-turn product.
Read the brief →Bridge Loans
Short-term capital that closes in days, not months. Use it to cover a property sale that has not cleared yet, or to grab a deal permanent financing cannot move fast enough to fund.
Read the brief →Long Term Business Loans
Five to twenty-five years of runway on the investments that should be amortized, not paid off in a hurry. Real estate, acquisitions, production equipment, anything with a long useful life.
Read the brief →Ready to apply for commercial real estate loans?
One application puts every product on the table your underwriter handles the rest.
Soft credit pull. No hard inquiry unless you accept terms.