Deal Types

Five ways we finance a deal.

We go deep on a defined set of structures — and state the parameters openly. Leverage and term up front; the rest confirmed per file. All figures are indicative and subject to underwriting.

Conventional

Purchase and refinance for real estate investors and business owners, across all commercial property types.

75%
Max LTV
30-yr
Up to, term
Loan
$200K – $6M
Amort
Up to 30-yr
Doc type
Full doc
Credit
Flexible
Property
All commercial

Owner-User / SBA

SBA 7(a) and 504 for business owners buying or occupying their own commercial real estate — highest leverage, longer runway.

90%
Max LTV
25-yr
Up to, term
Loan
Up to $5M+ (7a) / $5.5M+ 504
Doc type
Full doc / projection
Credit
Flexible
Property
Owner-occupied, incl. care/ALF
Close
45–90+ days

DSCR / Investor

Medium- and long-term fixed-rate financing that qualifies on property cash flow, not personal income.

80%
Up to, LTV
30-yr
Fixed, term
Loan
$100K+
Min DSCR
~1.0–1.25x
Doc type
DSCR / no income check
Credit
Flexible · no-min-FICO option
Property
All commercial

Bridge / Value-Add

Short-term transitional capital to acquire quickly, pull cash out, or reposition before a stabilized refinance.

75%
Max LTV
6–36
Months, IO
Loan
$200K – no max
Structure
Interest-only · flexible extensions
Doc type
Light
Credit
Flexible
Also fits
Foreign National / ITIN

Construction

Ground-up and heavy-rehab financing, placed through our construction-adjacent capital partners.

75–85%
Max LTC
12–36
Months, term
Loan
By scenario
Doc type
Budget / plans / permits
Credit
Experience-driven
Property
All commercial

Not sure where your deal fits?

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Indicative only. Leverage, term, and structure are confirmed per file and are subject to underwriting and change. Not a commitment to lend.

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