Up to 90% LTV for U.S. Commercial Real Estate

Below is the breakdown of our loan programs and guidelines (please note that the actual terms and conditions upon which credit may be extended are subject to the satisfactory completion of credit investigation and analysis, final underwriting approval, satisfactory documentation, and other such terms and conditions determined by the lender:

SBA 7a Financing
- Loan amounts up to $5,000,000
- Used for Business Acquisition, Debt Consolidation, Equipment, Franchise Financing, Fixtures, Furniture, Inventory, Leasehold Improvements, Machinery, Partner Buyout, Real Estate Acquisition, Real Estate Refinance, Start-Up Financing, Supplies, and/or Working Capital
- Loans above $500,000: Pricing is capped at WSJ Prime + 2.75%, 10-25 year amortizations
- Max LTV is 90% (will go up to 100% for some expansions, i.e. rent replacement, adding locations, acquiring similar business)

SBA 504 Financing:
- Loan amounts from $500,000 - $20,000,000
- Used for Purchase or Construction of Existing Buildings, New Facilities, Long-Term Machinery and Equipment, or the improvement or modernization of existing facilities, land, streets, utilities, parking lots, and landscaping
- Bank Portion – 50% of Total Project Cost Max – Pricing starts at 5 years fixed, 25 year amortization, with rates starting at 5 year treasury + 3.50
- CDC Portion – 40% of Total Project Cost Max – 10 years fixed, 25 year amortization, based on CDC rate for current month
- Borrower Portion – 10% of Total Project Cost
- Max LTV is 90%

Conventional Financing
- Loan amounts from $500,000 - $25,000,000
- Used for Purchase, Refinance, and/or Cashout on both owner-occupied and investment properties
- Pricing starts at 5 years fixed, 20-30 year amortization (depending on property type and age), with rates starting at 5-year treasury + 2.75
- Property Types, Max LTVs, and Amortizations:

---Multifamily - 85% (70-80% is common) - Up to 30 Years
---Self-Storage - 75% - Up to 25 Years
---Industrial - 75% - Up to 25 Years
---Mobile Home Parks - 75% - Up to 25 Years
---Retail (Single & Multi-Tenant) - 75% - Up to 25 Years
---Mixed-Use - 75% - Up to 25 Years
---Office (Single & Multi-Tenant) - 60% - Up to 25 Years
---Hotels (Flagged, No Outstanding PIP) - 60% - Up to 25 Years

Bridge Financing:
- Loans from $500,000 - $25,000,000
- Used for Purchase, Refinance, and/or Cashout on both owner-occupied and investment properties
- Pricing starts at 12, 18, or 24 months interest-only, with rates starting at 8.50%
- Property Types and Max LTVs:

---Multifamily - 80% (65-75% is common)
---Self-Storage - 70%
---Industrial - 70%
---Mobile Home Parks - 70%
---Retail (Single & Multi-Tenant) - 70%
---Mixed-Use - 70%
---Office (Single & Multi-Tenant) - 60%
---Hotels (Flagged, No Outstanding PIP) - 55%

Programs above are for U.S. only properties. Only serious inquiries please.