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Explore flexible financing solutions for real-estate investors, small businesses, and developers nationwide.
Explore flexible financing solutions for real-estate investors, small businesses, and developers nationwide.
SBA 7(a) Loans – For Business Growth, Real-Estate & Startup Financing
SBA 7(a) Loans – For Business Growth, Real-Estate & Startup Financing
SBA 7(a) helps entrepreneurs access the financing they need to build, grow or transition their businesses. With limits up to $5 million and broad eligibility (including startups and owner-operators), this program supports real-estate acquisition/refinance, equipment, working capital and more. 7(a) is ideal if you’re buying a business, buying your building, or need flexible funding to expand.
Key Highlights:
Key Highlights:
Maximum loan amount: up to $5 million for most 7(a) loans.
SBA guarantee: up to 85% for loans of $150,000 or less, and 75% for loans above $150,000.
Use of proceeds: Real-estate acquisition/refinance, equipment purchase, partner buy-outs, working capital, startup financing.
Ideal For:
Ideal For:
Business owners acquiring or expanding operations
Startups or younger companies needing working capital or equipment
Owner-operators purchasing or refinancing their commercial real estate (including smaller construction projects ≦ $6 m project-cost scope)
SBA 504 Loans – Fixed-Rate Financing for Real Estate & Major Assets
SBA 504 Loans – Fixed-Rate Financing for Real Estate & Major Assets
SBA 504 loans provide long-term, fixed-rate capital for site acquisition, construction, renovation and major equipment purchases. With SBA portions up to $5 million (and up to $5.5 million for eligible projects), 504 is a strong option for owner-occupied real estate and businesses investing in substantial fixed assets. It’s perfect for growth-minded firms looking to lock in favorable rates and amortization terms.
Key Highlights:
Key Highlights:
Maximum SBA 504 loan amount: typically up to $5 million, with certain borrowers (e.g., manufacturers, energy-efficient or public-policy projects) able to access up to $5.5 million for the SBA portion.
Use of proceeds: Purchase or refinance of owner-occupied commercial real estate, land & building improvements, heavy equipment purchases, construction (in many cases).
Ideal For:
Ideal For:
Owner-operators ready to buy or build their own building
Investors looking at long-term fixed-rate financing for assets where the business occupies the property
Conventional Loans – Traditional Bank & Credit-Union Financing
Conventional Loans – Traditional Bank & Credit-Union Financing
Conventional loans provide outright financing from banks or credit unions for businesses and real-estate investors with strong financials and proven operations. With flexible term lengths and amortizations up to 30 years, these programs are ideal for acquisitions, refinances, or portfolio holds where you’re seeking stability without added program restrictions.
Key Highlights:
Key Highlights:
Offered by banks, credit unions & traditional lenders.
Typical terms: amortization 20-30 years, term may range 5-20 years.
Loan-to-value (LTV) often up to ~75-80% of property value.
Ideal For:
Ideal For:
Owner-operators purchasing or refinancing owner-occupied commercial real estate.
Investors with stabilized cash-flow seeking conventional financing.
Bridge, Construction & Specialty Loans
Bridge, Construction & Specialty Loans
Bridge, construction and specialty loans are designed for projects in motion — when you need speed, flexibility, and an exit strategy. Whether you’re acquiring a value-add property, breaking ground on a new build, or refining a portfolio, these loans help you act fast and convert to long-term financing later.
Key Highlights:
Key Highlights:
Bridge loans: short-term gap financing when immediate capital is needed while longer-term funding is secured.
Construction loans: used to fund new build, renovation or repositioning projects.
Ideal For:
Ideal For:
Real-estate developers building ground-up or performing heavy construction.
Investors needing rapid financing for acquisition & reposition — until permanent financing is locked.
CMBS Loans: Capital-Markets Financing for Stabilized Commercial Assets
CMBS Loans: Capital-Markets Financing for Stabilized Commercial Assets
CMBS financing connects commercial real-estate investors to capital-markets debt — fixed-rate, first-lien loans that are securitized and sold to investors. With typical terms of 5-10 years and amortizations up to 30 years, CMBS works well for stabilized assets across property types where the cash flow is predictable and leverage up to approximately 75% is feasible. Non-recourse and assumable options often apply.
Key Highlights:
Key Highlights:
CMBS loans are fixed-rate first-lien mortgages secured by commercial properties, then pooled and sold as bonds to investors. JTypical term: 5-10 years (some up to 10 years) with amortizations of 25-30 years.
Typical LTVs: up to approx. 75% for many deals.
Ideal property types: stabilized office, retail, multifamily, industrial, self-storage, mixed-use.
Features: Non-recourse, assumable in many cases, lower underwriting emphasis on borrowing entity (asset-focused).
Ideal For:
Ideal For:
Investors holding stabilized, income-producing assets seeking access to capital markets rates.
Owners looking for long amortizations and may favor non-recourse terms.
Agency-Backed Programs (Fannie Mae, Freddie Mac, HUD 223(f) & 221(d)(4), FHA 232/223(f))
Agency-Backed Programs (Fannie Mae, Freddie Mac, HUD 223(f) & 221(d)(4), FHA 232/223(f))
Our HUD, USDA and agency-backed financing programs unlock premium capital solutions for scale-minded investors and developers. With long amortizations, non-recourse structures, and access to specialized property sectors, these loans are tailored for strategic acquisitions, repositioning assets, or high-growth portfolios.
Key Highlights by Sub-Program:
Key Highlights by Sub-Program:
Fannie Mae & Freddie Mac (Multifamily)—offer competitive financing for multifamily properties; terms vary broadly (5-30 years typical) and usually non-recourse.
HUD 223(f) Loan – For acquisition/refinance of multifamily properties. Terms up to 35 years. Leverage up to ~85% for market-rate or higher for government‐assisted.
HUD 221(d)(4) Loan – For new construction or substantial rehabilitation of multifamily properties. Up to 40 years or more (plus 3-year interest-only).
FHA 232/223(f) Loan – For acquisition/refinance of senior-living, assisted-living, nursing homes, healthcare facilities. Fixed-rate, non-recourse, long-term.
Ideal For:
Ideal For:
Investors/developers of multifamily, senior-living, affordable housing, and other specialized large-scale assets.
Borrowers looking for long-term fixed-rate, assumable debt with favorable terms.
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