Smart Capital for Commercial Real Estate
Fast, flexible loans for retail, office, mixed-use, and more — without the bank delays.
Flexible Commercial Loans. Fast Closings. No Tax Returns.
We provide fast, private capital for commercial real estate deals. Whether you’re acquiring a retail center, refinancing an office space, or bridging to long-term financing, our commercial loans close quickly — with minimal paperwork and maximum flexibility.
✔ No income or employment verification
✔ Close in 7–10 business days
✔ Loan sizes: $100,000 – $5,000,000
✔ Terms: 12 to 24 months
✔ Interest-only payments
✔ Available for single-family, multifamily, and mixed-use properties
Loan Program Details
| Property Type |
Single Family Residential
2 to 4 Units Condominiums Townhomes
Multi-Family (5 to 10 Units)
Short-Term Vacation Rentals Portfolios |
|
|---|---|---|
| Loan Amount |
Purchase/Rate & Term Refinance: $75,000 to $3,000,000 Cashout Refinance: $500,000, unlimited at 60% LTV (seasoning requirements apply) |
|
| Amortization | Interest as disbursed, interest-only terms available | |
| Experience Requirement |
One guarantor must have at least 12 months of prior real estate investment experience. First-Time Investors: -5% LTV Leverage Adjustment |
|
| Loan Term | 30-Year Fixed, 5/6 ARM, 7/6 ARM, 10/6 ARM | |
| Minimum FICO | 660 | |
| Minimum DSCR |
1.0x for Single Family Residences and 2 to 4 Units 1.15x for Multi-Family and Crossed Properties |
|
| Interest Rate | As low as 5.5% (Rate Lock available) | |
| Loan Purpose |
Purchase Refinance (permits required where applicable) Cashout |
|
| Prepayment Penalty | Standard Declining Penalty (0 to 5 years) | |