Loan Programs

We have hundreds of loan programs available. Below is a small sampling just to give you an idea what some of our guidelines look like. Call us to discuss your particular deal.

SBA 7(a) Program
Useful for those turned down by other SBA lenders
500+ credit
$250,000 to $5,000,000
4.75%+ rates
LTV’s to 90%

Low Credit Commercial

$50,000 to $5,000,000
6.99%+ rates
580+ credit
Close in 2 to 4 weeks
Stated Underwriting
LTV’s to 75%

Stated Income
True Stated Income Loans…no tax or income statements
Rates as low as 6.9% (8/3/2015)
Loan amounts $75,000 to $5,000,000
No balloons, 30 year amortized loan
LTV’s to 75%-Seconds allowed up to 80%
650 Mid Fico to qualify
Simple documentation programs

Small Balance Hard Money
Loans from $50,000 to $350,000
Interest Only up to 5 years
Sensible rates from 12-15%
Credit Scores of 400+ considered
Approval Notice in 24-48 hours…fast closings
No prepayment penalty
No upfront fees

Private Money
Term: 12-24 months
Loan size: $500,000 to $1,500,000
LTV: Up to 85% of cost
Interest rate 9%+
Full Recourse

Easy Documentation
No tax returns…just fill out 4506-T
Loan amounts: $200,000 to $3,000,000
Credit required: 650 ( lower on case-by-case)
No BK’s or FC’s in last 2 years

USDA B&I Loans
Rural and Low Population areas
Loan Amounts to $10,000,000
Term: 30 years