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Conventional Financing is your traditional real estate lending option for investors and small business owners with 3 Year, 5 Year and 7 Year Fixed Rates Amortized over a 15 – 25 Year Period. Max Loan to Value is up to 80% of the Purchase Price or 80% of the Appraised Value for a Refinance. Most commercial properties fit within this program. Loan amounts are from $50,000 to $10.0M.


These loans enable business owners to purchase, refinance, construct or renovate owner-user commercial real estate, acquire a business or equipment, refinance debt, obtain inventory and working capital, finance closing costs as well as start or acquire a franchise business.

Real Estate

• Up to 90% LTV Financing
• Up to 25 Years fully amortized
• Owner – User must occupy at least 51% of building and 67% of New Construction

Business Acquisition

• Up to 90% LTV Financing (10% cash down)
• Up to 10 Years fully amortized

Equipment Acquisition

• Up to 100% LTV Financing
• Up to 15 Years fully amortized

Debt Refinance

• Up to 25 Years fully amortized with real estate
• Up to 10 Years fully amortized for non-real estate

Inventory and Working Capital

• Up to 10 Years fully amortized

Loan Amounts from $100,000 – $5,000,000


As new opportunities arise, the need for additional equipment becomes urgent. Whether a small family enterprise or a multinational corporation, all companies share a common denominator—cash flow is the lifeblood of business. Even for companies with large cash reserves, financing equipment acquisitions makes business sense by matching cost to benefit, so cash flow is predictable and justifiable. Rather than tying up precious working capital or bank lines, smart businesses let the equipment benefits pay for the equipment…while their cash reserves and borrowing power work to fund their future success.


These types of loans are for small balance commercial loans for real estate investor and business owners that cannot verify their true income on personal and corporate tax returns. Tax returns are not important for the loan transaction to work for the borrower. The program focuses on credit, property type and lower loan to value loans. Rates tend to be a little higher, due to the risk associated with not being able to verify income.

• Loans from $50,000 to $1,000,000
• Fixed Rates for 15 Years or 25 Years
• Loans up to 70% Loan to Value for Real Estate


These loans enable real estate investors to purchase and finance REOs, short sales, multi-family buildings, new residential construction, property rehabilitation and mixed use commercial properties. Loans can also be used to cash out of properties to pay off business debt. Loan lending criteria is typically more lenient than a commercial banks.

• 12 Month Interest Only
• No Pre-Payment Penalties
• Loans up to 65% ARV (After Repair Value)
• 100% of Rehab Cost Funding
• Loan Amounts from $50,000 – $5,000,000


These types of loans are loan term loans for investors that are looking for loan term fixed rates on investment properties or owner occupied properties. A commercial mortgage-backed security (CMBS) is a security instrument that is collateralized by most types of commercial real estate in strong and stabilized real estate markets.

• Loan amounts from $3.0M to $50.0M
• Loan Term up to 10 Year Fixed Rates
• Loan Amortization up to 30 Years
• Non-Recourse or No Personal Guarantees


These loans are for small businesses owners that need access to the capital to seize growth opportunities quickly. Typical customers include medical and dental practices, grocery and retail stores, restaurant and hotel franchisees and ecommerce companies. In a unique approach to lending, funds are advanced quickly with automated applications and fast approval systems, making a business owner’s financial realities, with an emphasis on day-to-day cash flow.

• Loan Sizes $5,000 – $150,000
• Terms 6, 9 or 12 Months
• Payments are Fixed
• Payments are withdrawn daily from bank account
• Most Approvals are within 48 hours

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