Small Balance Commercial Real Estate Loans

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Loan Amounts $ 100,000 to $5,000,000

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10 to 30 years

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6-9% Rates for Tier 1 Credit Scores 650 +

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9-11% Rates for Tier 2 Credit Scores 550+

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Loan to Values Up To 80%

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No Limit On Cash Out On Tier 1


No Ownership Seasoning Requirement on Tier 1

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Occupancy – Investor or Owner-Occupied

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Borrowers - US Citizens, Permanent Resident Aliens, Legal Entities

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Loan Purpose: Purchases

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Loan Purpose:
Rate and term refinance

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Loan Purpose:
Cash Out

Income Documentation for Owner Occupied Properties

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Full Doc – 2 Years Corporate Tax Return

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Bank Statement 12 months business bank statements
(Only the last 12 months business bank statements are requested)

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For Stated Owner-Occupied Program: Guarantor(s) are not required to provide personal or business tax returns to qualify for this program.

Property Types

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Apartment Buildings

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RV/MH Parks

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Light Industrial

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Bars & Restaurants

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Auto Repair Shops

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Day Care Facilities

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Funeral Homes

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You'll be pleased to know that our responses and closing times are fairly quick. Approvals are given in two days from receipt of complete credit package, and we can execute closings in as little as two to three weeks.


Adjustable rates as low as 6% or fixed rates for 30 years and LTV's of up to 80% are available on almost all commercial property types with first liens only. Credit scores as low as 500 are accepted.