Commercial Loans

Consumer or Business Purpose

First question is whether the primary purpose of the loan is for Business or Consumer use.  If the loan is primarily for Business Purposes we are provided considerably more latitude in using equity (collateral) as a mitigating factor against other possible deficiencies.

BUSINESS PURPOSE LOANS:                                                              Easy Loan Guidelines                                                                        Stated Income OK

CONSUMER PURPOSE LOANS:                                                              No Problem However Rules Have Changed!

If reason for loan is primarily for Consumer Purposes, even if commercial property is used as collateral, we still must verify that the borrower has reasonable ability to pay.

We offer loans for as little as $30,000, we promise personalized service, and as a Direct Lender we maintain the ability to make decisions instantly.

The property’s value, not the borrower’s credit is most important. With sufficient equity (collateral) we can usually fund your loan immediately.

Regulation pertaining to loans primarily for Business Purposes are far less stringent.  With large cushions of equity, quickly providing you the money you need couldn’t get any easier. No formal 1003 loan application, no tax returns, no profit and loss statements.

Loans for all Property Types

  • Residential
  • Commercial
  • Industrial
  • Apartment Buildings (Any Number of Units)
  • Non-Conforming
  • Finish Construction
  • Retail
  • Office Buildings
  • Mixed-Use
  • Multi-Family
  • Single Tenant or Owner-User
  • Self Storage or Mini Storage Facilities
  • Mobile Home Parks


  • Broker Friendly – Commissions are protected!
  • Low Origination Fee
  • No Minimum FICO Credit Score Requirement
  • Always Fixed Rates
  • Up to 30 Year Term Available
  • Interest Only or Amoritized Payments
  • Quick Funding – Our Specialty
  • Direct Lender – In House Underwriting

Please contact us to hear more about our competitive loan options.

Common Sense Underwriting
Based Primarily on Equity

Purchase or Refinance
Remodel – Fix and Flip

Loans for Any Purpose
Consumer or Business Use

Owner or Non-Owner Occupied
Salaried, Self-Employed or Retired

Homes – Mixed-Use – Commercial
Apartment Buildings – Retail – Industrial

All Credit Accepted
No Minimum FICO Credit Score