Real Estate

When your existing holdings have reached their growth limit, it’s time to expand. Do it with affordable financing from our lender network.

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Your Real Estate Advantage

Broaden your asset portfolio and your revenue potential with new real estate acquisitions. Multiple investment properties allow you to diversify your income stream. We’ll connect you with the financing you need to buy new property, cover gaps in funding, and renovate to resell.

Financing is available to small businesses that have been turned down for real estate funding before. Even if your existing business credit isn’t what you’d like it to be, we have a range of solutions for you. We work with small businesses with different needs and goals every day. Our flexible financing is made to adapt to your specific situation.

Commercial Real
Estate Loans

Investing in commercial real estate has several advantages over residential real estate investing. Example benefits include recurring income generation, triple net leasing, and straightforward pricing. You can invest in commercial real estate to lease, house your business, and diversify your portfolio while earning potential tax breaks.

We’ll help you evaluate your business credit, DSCR, and LTV so you have the best shot at getting the loan you want. Finance retail centers, apartments, warehouses, and offices that generate income and add to your assets. Owner-occupied financing is available at low rates if you plan to house your own business on the property.

Hard Money Loans

Investing in commercial real estate has several advantages over residential real estate investing. Example benefits include recurring income generation, triple net leasing, and straightforward pricing. You can invest in commercial real estate to lease, house your business, and diversify your portfolio while earning potential tax breaks.

We’ll help you evaluate your business credit, DSCR, and LTV so you have the best shot at getting the loan you want. Finance retail centers, apartments, warehouses, and offices that generate income and add to your assets. Owner-occupied financing is available at low rates if you plan to house your own business on the property.

Subdivision Loans

Subdivision loans grant you the capital to purchase raw land and to prepare it for construction. From designating parcels to installing electricity, water, and sewer, and laying concrete for roads and driveways, subdivision loans empower developers to enhance their region.

Building subdivisions is not without risk. Property values, housing demand, and preferences for urban, suburban or mixed-use neighborhoods are dependent on trends and lifestyle preferences as well as available choices in the market. We work with you to resolve these risks through a focus on your business plan, available investment dollars, and lender insights.

Land Loans

Land loans help businesses purchase undeveloped land to build a commercial building or to use for business purposes. These loans are ideal for businesses or individuals who want to acquire the land now either to use as is or to hold for future construction.

For many businesses, the cost of acquiring a finished property is too much, or the available properties on the market are not suitable for their business purpose. Due to appreciation and the market, in many instances, building from the ground up is more cost-effective or better in terms of layout, amenities, and implementation of technology within their finished property.

SBA 504

For businesses that support business development goals such as adding jobs to a region or increasing access to technology, diversifying the job pool, or adding energy-saving sustainable technologies, SBA 504 loans offer some of the best terms and rates available. 504 loans are carved out for land and construction of owner-occupied properties and associated high-value business equipment.

SBA 504 loans are unique in that they are managed through a Community Development Corporation, a nonprofit authorized to distribute loans in support of regional development goals. These loans come with multi-year tracking to demonstrate programmatic results, but that is no hindrance to developers that know their long-term value.

SBA 7(a)

SBA-backed 7(a) loans are the lifeblood of the small business economy. These loans are backed in part by the SBA, reducing the risk to private lenders and decreasing the overall interest rates paid by businesses. The 7(a) program allows broad applications of funding: land, construction, property acquisition, equipment, and even working capital. Each loan is tailored to its particular use and supported by a detailed business plan and financial forecast.

Because of their detail, our company works with business owners to access SBA backed loans. From initial interview to close, we facilitate the process leading to faster closes with fewer questions. Find out what’s available to you.

Advantages:

These are just a few of the available real estate financing options we offer through our lender network. No matter the size of your business or the condition of your credit, we’ll help you add to your investment portfolio and boost your real estate income. Get in touch with our brokers today.

Generate monthly income.

Get potential tax benefits.

Make a competitive cash offer.

Leverage your current assets.

F.A.Q.’s

Frequently Asked Questions

We’re available for you any time you need adaptive, innovative financial solutions for your small business. Find out what we can do for you today.

Q. How do I qualify for an owner-occupied loan?

In most cases, you must use a percentage of the property to house your business. The SBA requires you to utilize at least 51% of the property’s available space, not including utility closets, crawl spaces, or wall interiors. Requirements can vary by lender, so ask us about owner-occupied financing today.

Q. What is LTC in fix and flip?

LTC stands for Loan-to-Cost and it’s an important part of underwriting. LTC is the loan amount divided by the project cost. If you buy a property and renovate it for a total cost of $200,000 and your loan is for $150,000, your LTC is 75%. A typical LTC is 80% or less.

Q. What are commercial properties?

Commercial properties are typically real estate designed to generate profits for a company. Examples include apartment buildings, hotels, office buildings, retail centers, and warehouses that bring in regular income from tenants.

Q. Can I get a loan directly from the SBA?

To apply for an SBA loan, you have to apply through a certified lender that has arranged with the SBA to offer special rates and terms. You can go through a private lender or Certified Development Company, depending on the type of loan you want. We can help you navigate the SBA loan process and see if you qualify before you apply.