# Small Balance CRE Loans

> Small balance commercial real estate loans from $100,000: up to $15,000,000 for purchase and rate-and-term refinance, up to $5,000,000 for cash-out. For investors below the institutional threshold.

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Markdown: https://riversidepark.capital/small-balance-cre-loans.md

## Quick answer

Riverside Park Capital makes small balance commercial real estate loans for investors and sponsors below the institutional threshold: up to $15,000,000 for purchase and rate-and-term refinance and up to $5,000,000 for cash-out refinance, on occupied commercial property.

## Loan parameters

- Loan size: $100,000 to $15,000,000 for purchase and rate-and-term refinance; cash-out refinance up to $5,000,000
- Loan type: Small Balance CRE

## Eligible assets

- Multifamily (5+ units)
- Mixed-use
- Retail
- Office
- Industrial and warehouse
- Self-storage
- Cold storage
- Hotels and motels
- Data centers

## Underwriting guidelines

- Loan size: $100,000 to $15,000,000 for purchase and rate-and-term refinance
- Cash-out refinance: up to $5,000,000
- Maximum LTV: 75%
- Minimum DSCR: 1.15x
- Minimum FICO: 680
- Occupied commercial real estate only
- Closing in as little as 30 days, subject to underwriting
- All property types are subject to underwriting.

## FAQs

**Q: What is a small balance CRE loan?**

A small balance CRE loan is a commercial real estate loan below the institutional or CMBS threshold. Ours go up to $15,000,000 for purchase and rate-and-term refinance and up to $5,000,000 for cash-out refinance.

**Q: Why use a private lender for small balance CRE?**

A lender set up for this size of loan reviews the property and sponsor directly. Closing in as little as 30 days for commercial purchase and refinance, subject to underwriting.

## Related

- [Commercial Real Estate Loans](https://riversidepark.capital/commercial-real-estate-loans)
- [CRE Loan Requirements](https://riversidepark.capital/cre-loan-requirements)
- [CRE Loan Rates](https://riversidepark.capital/cre-loan-rates)
- [How to Get a Commercial Real Estate Loan](https://riversidepark.capital/how-to-get-a-commercial-real-estate-loan)

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Source: Riverside Park Capital - https://riversidepark.capital/small-balance-cre-loans