Commercial loans
up to $500M+.
Commercial deals do not fit consumer boxes, and they should not have to. This desk places business-purpose capital — from a single rental building to eight-figure projects.
What commercial lending really is
A commercial loan is priced on the deal, not the person. The property’s income, the plan, and the sponsor’s track record carry the file.
That is good news for owners whose tax returns understate reality. The building speaks for itself, and the loan closes in the entity that owns it.
Sizes run from about one million to institutional scale. Bridge money for the transition, permanent money for the hold.
The files that fit this desk
Investors buying five-plus multifamily. Owners refinancing mixed-use and retail. Operators repositioning a tired asset with bridge capital and a plan.
Hospitality, self-storage, and small-bay industrial all route here too. If the loan’s purpose is business, this is the door.
The commercial menu, plainly
Multifamily of five units and up. Mixed-use buildings. Select retail, office, and industrial. Hospitality on the right story. If the property earns income, it has a lane here.
Capital runs from bridge money for the messy middle to long-term loans for the stable hold. Sizes start around one million and scale to institutional.
Every loan is business-purpose. Entities close them. The deal — not your W-2 — carries the file.
Income first, always
Commercial underwriting starts with one question: does the property’s income cover the debt with room to spare? Net operating income against the payment sets the whole conversation.
Leverage follows the answer. Stronger coverage buys more proceeds. Then the sponsor: experience, liquidity, and a track record that fits the asset.
The story matters too. A tired building with a real plan can out-lend a pretty one with none. Lenders fund plans, not paint.
From package to close
Send the basics: rent roll, trailing twelve months, and the deal summary. A term sheet comes back fast when the numbers are honest.
From there, one point of contact runs third-party reports, lender questions, and closing. You watch the calendar hold instead of chasing it.
Speaking the language of the deal
Three numbers open every commercial conversation: the price, the income, and the plan. Bring the rent roll, the operating costs, and what you intend to do with the asset.
From there, terms come fast. The sponsors who close well are the ones whose story and numbers already agree before a lender ever reads them.
Quick answers
How fast can a commercial loan close?
Bridge structures can move in weeks. Permanent loans run longer because the diligence is deeper.
Do you need my personal tax returns?
Usually the deal leads and personal documentation is lighter. Guarantees vary by structure and leverage.
What is the smallest loan you place?
Around one million. Below that, our DSCR programs usually fit better and close faster.
Discuss your commercial scenario
Commercial programs are structured individually. Call or start the application to discuss your specific asset, loan size, and timeline. NMLS# 1967971.
