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Loan Programs

Browse our services below

Real Estate Based

  • Purchase
  • Refinance for Rate & Term
  • Refinance with Cash Out
  • Investment Properties
  • Blanket Loans (More than one property)
  • Permanent Placement
  • Corporate and LLC Loans
  • Small Bridge Loans ($1,999,999 and under) 12-24 Months
  • Large Bridge Loans ($2,000,000 and over) 24-36 Months
  • Non-Recourse Mortgages ($5,000,000+ Only)
  • Small Business Administration (SBA) 504 & 7A Loans
  • Hard Money Mortgages (For tougher credit scenarios)
  • Debt & Equity Loans
  • Acquisition Development Loans
  • International Loans (Canada, Caribbean, Central America, Mexico and South America)
  • Construction & Renovation Loans

Property Types

  • Multi-Family (5+ Units)
  • Mixed Use
  • Retail Buildings
  • Office Buildings
  • Hotels & Motels (Flagged or Non-Flagged)
  • Large Apartment Buildings (20 + Units)
  • Warehouse & Industrial 
  • Restaurants/Taverns
  • Golf Courses
  • Bed & Breakfast
  • Auto Repair/Body
  • Self-Storage Facilities
  • Single Tenant
  • Gas Station/C-Store
  • Mobile Home Parks
  • International Land Development, and Construction
  • Special Purpose Properties
  • Plus Many More

Business Based

  • Merchant Cash Advance
  • Commercial Equipment Leasing & Financing
  • Factoring (Accounts Receivable Loans)
  • Bank Instrument Financing (Macro_Micro)
  • Business Lines of Credit 
  • Small Business Loans for Working Capital
  • Business Acquisitions/Term Loans (typically 5-10 years)
  • Export/Import Trade Finance

Other Business Related Services

  • Business Advisory & Consulting
  • Real Estate Sales (Selected Markets)
  • Investor Property Cash Flow Analysis
  • Development Strategy & Implementation
  • Executive Summary & Press Kit Preparation

Underwriting Types

Full Documentation-Where the borrower’s income is verified by a federal tax return. Any loan involving an owner-occupied business will also require a business federal tax return. Loans in this underwriting class tend to have the lowest interest rate.

No Documentation-Where the borrower’s income is not disclosed to the lender. This underwriting class tends to have the highest interest rates and is defined as “hard money”.

Credit Requirements-We work with all types of personal credit. (Generally, the higher the credit score the lower the interest rate. However, in commercial mortgages there are many other factors that effect the rate).

Loan Amounts

Large Balance- Loans-Generally are loans that are $2,000,000 and up. The lending criteria on these deals focus more on project worthiness. However, sponsor/guarantor strength is still a factor.

Small Balance Loans-Generally are loans that are $1,999,999 and under. The financial strength and credit rating of the borrower/guarantor are very important in lending decisions. The project cash flow must also be at an acceptable level for loan approval.

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A merchant cash advance, also known as a business cash advance, is financing based on your future credit card receivables. This type of merchant financing is paid on a daily basis as a percentage of your credit card sales. Therefore, if your sales are high, your advance is paid off faster and if sales are lower, your payment is lower.

A merchant cash advance can help with:

Inventory purchases

Equipment needs

Marketing opportunities

Short-term capital needs

And more!                 APPLICATION