REAL ESTATE
LOANS &
FINANCING
Our company offer both short and long-term commercial real estate financing solutions i.e. mixed used commercial real estate, constructions, acquisitions, permanent developments. Our solutions enable and support developers or real estate investors looking to purchase new property, develop land, or fix and flip property for a profit. Our real estate financing options vary in length from 1 – 30 years with affordable rates.
ACQUISITION FINANCING
For businesses large and small, the purchase of real estate is an essential part of growth and expansion. Whether funds are needed for purchasing another building to be used for storage, expansion, or owner occupation, a real estate acquisition loan is often the first choice. Almost any type of legitimate business is eligible for financing, including manufacturing, wholesale, service, professional service or retail. We offer long-term loans, typically 10 - 20 year for the purchase of commercial real estate. In most cases, applicants are required to inject approximately 10 percent of the total real estate cost. The low interest rates make our acquisition loans very affordable, particularly for small businesses.
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CONSTRUCTION LOANS
Construction funds can also be used for the purchase of fixed assets like interior or exterior improvements, including parking lot construction or repair, street improvements, landscaping utilities, and owner-occupied buildings. The loans you acquire for your real estate projects are secured by a mortgage and are used to cover the cost of development and building construction.
As parts of construction projects are completed, the funds are disbursed as needed. Disbursement can also occur according to a prearranged timed schedule. These construction loans are available for construction of new facilities, conversion of existing facilities, modernization, or a facility's renovation. Permanent financing is usually secured before the construction loan is disbursed.
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Our company offers short-term construction loans that are typically 3 - 5 years in length, in order to finance the clients’ development projects. We provide options like low APRs and easy repayment plans, making our short-term construction loans which is perfect for many businesses.
DEVELOPMENT LOANS
Development loans are used for things like; construction of buildings, excavation work, running electrical lines, storm sewers and roads. They are typically short-term i.e. 1 - 3 years.
Development financing is used for the development of land. In securing development loans, the property is required to be used as collateral for the loan until it is sold or can financially support permanent financing.
Our development loans feature up to 65% Loan to Value with low APRs potentially making them the most desirable financing for business owners looking for development projects funds.
Unlike construction loans where funding is used for building improvements only, a development loan is used before there are any buildings on the land. Note that for this type of funding, proof of past projects and experience will be required for approval.
PERMANENT REAL ESTATE LOANS
Permanent Real Estate Funds can be used to repay financing for property acquisition, to refinance against existing debtor construction loans. Our permanent loans are long-term which are commonly 15 – 30 years for the fixed assets type of financing like real estate. In real estate projects, permanent financing is obtained after the completion of a construction project (This is usually to repay short-term construction loans).
Permanent financing is also known as Permanent mortgage. With a qualifying credit score and Loan to Value ratio of up to 85%, the borrower will be approved for funding. Note: Applicants will need to provide DOT and a clear title to qualify for permanent financing.
HARD MONEY LOANS
Hard money loan is a commonly more desirable and attainable type of financing than a traditional loan for business owners who do NOT meet the criteria of the traditional lending institution like having a low credit score.
When the borrower has a less than desirable business’ credit score, or they have been denied a loan in the past, our hard money loans are a great option for funding. Instead of using credit history as collateral, some type of physical property (asset) is typically used to ensure repayment.
Traditional banks do NOT offer this type of loan which can make this loan even more difficult to obtain. Our hard money loan APR varies depending on the size and scope of loan needed and can be anywhere from 9% - 18%. Note: Applicants will need 65% – 75% Loan to Value ratio for approval.
FIX-N-FLIP LINES OF CREDIT
Fix-N-Flip Funding is most often used for the purchase of repairs, contractor fees, listing and broker fees, real property, and other aspects of property investment.
Our Fix-N-Flip line of credit allows investors to acquire, improve, and resell properties for profit with potentially little or no money down. Typical Fix-N-Flip lines will fund up to 100% of the purchase and repair price, as long as the loan amount is 70% or less of the appraised after repair value (ARV).
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The Fix-N-Flip lines are readily available for businesses with 2 or more years of experience in the industry. These short-term loans are typically repaid with proceeds from the sale of renovated properties and are usually 1-12 months in length.
BRIDGE LOANS
Our company offers short-term loan options which are commonly repaid over a 3-year period while waiting for long-term financing to be secured. Most commonly known as a bridge loan, these are also known as “caveat loan,” and, less often, as a swing loan.
We provide bridge funding options for businesses who are applying for long-term loans so that they can avoid delays in operations. This type of funding can be used for business utility bills, pay employee wages, and other accounts payable.
These short-term loans allow the borrower to meet current financial obligations by providing immediate cash flow. With low APR, a bridge loan is typically approved for seasoned businesses with experience and a comprehensive portfolio.
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