Our Loans
Business commercial real estate loans
SBA 504
- Amount: $1 million to $15 millions
- LTV: Up to 90%
- Term: Up to 25 Years
- Current Interest Rates: 5-6%
Eligible property types
- Professional & medical office
- Industrial/warehouse
- Self-storage
- Hotel
- Healthcare
- Retail
- Special Use
SBA 504 loans provide low-cost, fixed-rate financing for owner-occupied commercial real estate. Backed by the SBA and offered exclusively to small businesses, 504 loans provide up to 90% LTV, which is the highest LTV available on commercial loans. Use for property acquisitions, refinance (including SBA-to-SBA refinancing), rehab, and construction.
Conventional
- Amount: $1 million to $10 million
- LTV: Up to 70%
- Term: 10 Years
- Current Interest Rates: 5-6%
Eligible property types
- Professional & medical office
- Industrial/warehouse
- Self-storage
- Healthcare
Conventional loans provide low-cost financing for stabilized owner-occupied commercial real estate. These loans are a good option if your business doesn’t meet the eligibility requirements, or don’t need the full leverage of an SBA loan. If you have strong credit and property fundamentals, conventional loans offer very competitive fixed interest rates and low fees. Use for property acquisitions, refinance, or light rehab.
SBA 7a
- Amount: $250,000 to $5 million
- LTV: Up to 90%
- Term: 10 Years
- Current Interest Rates: Prime +1.0%-2.5%
Eligible property types
- Professional & medical office
- Medical office
- Industrial/warehouse
- Self-storage
- Hotel
- Healthcare
SBA 7a loans provide high-leverage financing for a variety of small business uses across commercial real estate and business investments. With maximum leverage, SBA 7a loans require a minimal down payment compared to conventional financing, allowing you to preserve more cash to put back into your business. 7a loans typically come with floating interest rates that fluctuate quarterly based on prime rate. Use for commercial real estate acquisitions, construction/CapEx, working capital, equipment, debt consolidation, and business acquisitions.
Investment commercial real estate loans
Bridge
- Amount: $1 million to $10 million
- LTV: Up to 70%
- Term: 10 Years
- Current Interest Rates: 5-6%
Eligible property types
- Professional & medical office
- Industrial/warehouse
- Self-storage
- Healthcare
Non-recourse floater
Our non-recourse floater program provides interim financing between $5 million and $15 million for small-balance commercial real estate, servicing a market that’s generally too small for debt funds and institutional lenders. Plus, get up to 30% proceeds for capital improvements and construction. Up to 80% LTC. Pricing starts at SOFR+395.
Performance bridge
Our performance bridge loan is a good fit for quick-close deals or heavier lift properties. With financing between $2 million and $10 million, use this loan for acquisitions, rehab, stabilization, or refinance. You can also get up to 50% of funding for construction/CapEx. Up to 75% LTC/stabilized LTV. Pricing starts at 6.99%.
Bridge to SBA
If you need to close a deal before SBA authorization kicks, we provide interim interest-only bridge financing – even if we’re not the 504 lender. We can also provide interim high-leverage SBA financing post-authorization. Up to 75% LTV on interim bridge financing and up to 90% LTV on interim SBA financing.
How-To Guides
PORTAL HOW-TO GUIDE
Downloadable PDF
Step-by-step walk-through on navigating the portal and applying for a loan.
Download Now