Commercial real estate financing as our primary program, alongside residential investor financing for non-owner-occupied 1-4 unit properties. Commercial purchase and rate-and-term refinance: up to $5 million. Commercial cash-out: up to $5 million. Residential DSCR: up to $5 million. Fix & flip: up to $5 million. Construction: up to $5 million. SBA loan limits are separate from total project financing.
Max leverage
commercial
Occupied commercial real estate only
commercial
Occupied commercial real estate only
Residential (1-4 units)
Non-owner-occupied residential investment properties only
Residential (1-4 units)
Non-owner-occupied residential investment properties only
Residential (1-4 units)
Non-owner-occupied residential investment properties only
sba
Owner-occupied commercial real estate, business acquisition, equipment and working capital
| Program | Starting Rate | Max Leverage | Loan Amount | Term | Amortization | Recourse |
|---|---|---|---|---|---|---|
| Commercial Purchase & Rate-and-Term Refinance | Set per deal; rates are not published | 75% LTV | $100,000 to $5,000,000 | 5-30 years | Up to 30-year amortization | Non-recourse available |
| Commercial Cash-Out Refinance | Set per deal; rates are not published | 75% LTV | $100,000 to $5,000,000 | 5-30 years | Up to 30-year amortization | Non-recourse available |
| Residential Investor DSCR Loans | Set per deal; rates are not published | 80% purchase LTV | $100,000 to $5,000,000 | 30 years | 30-year fixed or ARM | Non-recourse available |
| Fix & Flip Loans | Set per deal; rates are not published | Confirmed per deal | $100,000 to $5,000,000 | 12-24 months | Interest-only | Full recourse |
| Ground-Up Construction Loans | Set per deal; rates are not published | Confirmed per deal | $100,000 to $5,000,000 | 12-36 months | Interest-only (draw schedule) | Full recourse |
Up to $5 million per loan
Up to 90% financing for qualifying SBA transactions only
Owner-occupied commercial real estate eligibility requirements apply
Closing in as little as 45 days for qualified transactions.
SBA/CDC portion up to $5 million; $5.5 million for qualifying manufacturing / energy projects. Total project financing can be larger.
Up to 90% financing for qualifying SBA transactions only
Owner-occupied commercial real estate eligibility requirements apply
Closing in as little as 45 days for qualified transactions.
Platform Overview
Structured underwriting process with predictable closing timelines for qualified sponsors.
Institutional pricing and leverage parameters calibrated to asset quality and sponsor track record.
Direct lender with certainty of close on approved transactions.