We have amazing commercial property loan programs   SELECT BENEFITS B O R R O W  U P  T O  9 0 %  O F  Y O U R  P R O P E R T Y  VALUE While most lenders will only fund up to a maximum of 80% of the purchase price or appraised value of your property, our program allows you to borrow up to 90%. In certain cases, when the seller is also providing financing, we allow you to finance up to 95% of the property value. This means less money out-of-pocket and more cash on hand to invest in your business or additional properties. L E S S PAPERWORK We recognize that your time is valuable. Our philosophy is that we shouldn’t burden our customers with the unnecessary paperwork requests that are common in the industry. Instead, we will ask for only those documents that are absolutely needed. Less documentation means less work for you and faster closings. R E S I D E N T I A L  A P P R O A C H  T O  L E N D I N G We offer a residential approach to commercial lending. Just like a residential purchase or refinance you may have done in the past, this process is fast, easy and familiar to you. We also focus on your personal financial strength and not solely on the property’s cash flow. By drawing on all sources of your income, we are able to finance more properties than other lenders who offer a more traditional commercial approach. FA S T  P R E - A P P R O VA L S  A N D  Q U I C K  C L O S I N G S Most commercial loans take between 60-90 days to close. Approval processes often involve loan committees that can take weeks or even months to approve a single loan. Our process is much faster. Our streamlined parallel process means that we handle several approval functions at the same time.  We offer written pre-approvals within 48-72 hours and we are committed to closing your loan within 30-45 days. F L E X I B L E  T E R M  A N D  R AT E  O P T I O N S With fully amortizing loan terms from 15 to 30 years, you can better manage your business cash flow. While most lenders do not offer long-term financing options, we value long-term relationships with our customers. Longer term loans allow you to lower your monthly payments. In addition, our fixed, adjustable, and hybrid interest rate programs give you even more flexibility to manage your cash flow the way that’s best for you. NO MANDATORY PAY O F F S Did you know that most lenders will require you to pay off your loan in just a few years by requiring a “balloon” payment? A balloon loan will force you to spend thousands of dollars and go through the entire loan process again. Furthermore, if interest rates are higher at that time, the rate on your new loan could be considerably higher than before. We do not have balloon payments, allowing you to stay in your loan all the way through the term. ASSUMABLE LOANS Thinking of selling your property down the road? Some of our products feature an assumable loan benefit that allows you to transfer your mortgage loan to a qualified buyer at no cost to you! This will help enhance the marketability of your property to potential buyers, accelerate your closing timeframe, and even save your buyer money. All of which could translate into higher sale proceeds for you. N O  O N G O I N G  R E P O R T I N G  O R  R E Q U A L I F I C AT I O N S Did you know that most commercial lending institutions require you to provide ongoing financial and operating statements on your business or property, long after your loan is closed? Furthermore, you may be required to make “covenants” about the financial strength of your business or property in your loan agreement. This means that losing a tenant or experiencing a tough business period gives the lender the right to find you in default on your loan, even if you are current on your payments! We believe that your business is your business. Once your loan is closed, simply make your monthly payments on time and we will not ask you for more financial or business information.