Commercial Real Estate Loans

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Commercial Loan terms can vary greatly. Commercial bridge lender terms vary from 6-36 months and longer terms from 3 years to 30 years with fixed, variable, and interest only rates are common. Not all commercial hard money loans come with a balloon payment, in fact, many do not. Rates are typically based on a scaled percentage + the current 5/10 Year Treasury Notes, 5/10 SWAPs, or the WSJ Prime Rate. The scale is impacted by credit worthiness of either the guarantor(s) or the business itself, the ratios of the deal, the intentions of the deal, and stability of the income generated. Liquidity also plays a large role in being approved for a commercial loan depending on the type of collateral being financed. Many lenders may request personal or business tax returns, operating statements, and personal financial statements.

We’re here to help navigate through all the various guidelines set forth by lenders and their investors. We take the time to ensure every borrower understands these ins and outs of the loan and make sure that no surprises occur at the closing table or after they’ve begun making payments. There is a lot of lender jargon and we want to make sure everyone is completely aware of what they are being offered.

Here’s a brief overview of what to expect:

• Send an Inquiry to us directly with pertinent information about your deal: where you are in the process, the type, capital stack, what you are looking for, etc...
• Receive a call/email from our team to go over details and answer any questions you may have
• We will need to collect some preliminary docs in order to obtain LOIs or Quotes from our capital resources.
• Compare loan options and how they align with your investment strategies
• Choose one that best fits your needs and get ready to submit