Small-Balance Commercial
Flexible, asset-based financing for experienced real estate investors. Acquire, refinance, or reposition small-balance commercial properties with capital structured around the property, business plan, and exit strategy.
Loan Snapshot
Rates
From 13.99%
Loan Amount
Up to $2 Million
Leverage
Up to 65% LTV
Term
Up to 24 Months
What These Loans Are For
Built for investors acquiring, refinancing, and repositioning commercial investment properties with flexible, asset-based financing.
Acquisitions
Financing to acquire commercial properties, including opportunities that require a faster or more flexible closing.
Repositioning
Capital for properties with renovation, leasing, or operational improvements that support a defined business plan.
Commercial Refinancing
Refinance an existing commercial loan to address an upcoming maturity or reposition the property for longer-term financing.
Transitional Properties
Short-term financing for commercial properties that may not yet qualify for conventional bank financing.
Borrower Requirements
Designed for experienced commercial real estate investors with a clear business plan, sound property fundamentals, and a defined path to repayment.
Investment Experience
Demonstrated real estate investment experience relevant to the proposed transaction.
Property Financials
Available financials, including current income, operating expenses, and occupancy information.
Defined Business Plan
A clear acquisition or repositioning strategy, with a supporting budget and timeline where applicable.
Viable Exit Strategy
A defined path to repayment through property sale, permanent refinancing, or other liquidity event.
How Funding Works
A streamlined lending process designed for fast decisions and efficient closings.
Submit Your Deal
Share your commercial property details, financing request, and business plan through our online loan application.
Review & Terms
We evaluate the property, borrower experience, business plan, and exit strategy, then structure terms around the transaction.
Underwriting
Provide the required property and borrower documents while we complete underwriting and coordinate closing.
Close & Fund
Finalize loan documents, coordinate with title, close the transaction, and receive your funding.
We lend like real estate investors, not bankers.
We understand transitional real estate because we approach every transaction with an investor’s perspective. Whether you’re acquiring a property, navigating a loan maturity, or preparing for a sale or permanent refinance, we focus on the property’s fundamentals, your business plan, and your path to repayment.
Our lending process is built around direct communication, practical underwriting, and timely decisions that help you keep your investment strategy moving.
Speed and Certainty
Direct access to decision-makers and a streamlined process designed to help you meet time-sensitive acquisition and refinancing deadlines.
Practical Underwriting
We evaluate the property's current condition, your business plan, and your exit strategy, including its potential for sale or permanent refinancing.
A True Lending Partner
Work directly with a lender who understands transitional real estate and stays engaged from initial review through closing.
Frequently Asked Questions
Answers to common questions from real estate investors and borrowers.
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We target closings within 5 to 7 business days once the required documentation is received and underwriting is complete. Actual timing depends on the property, transaction complexity, title, and borrower readiness. We work directly with you and the closing team to keep the process moving efficiently.
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We consider a range of commercial investment properties, including multifamily, mixed-use, retail, office, and industrial properties. Financing is available for acquisitions, refinances, and value-add opportunities, subject to the property’s condition, location, financial performance, and your business plan.
Each transaction is evaluated individually to determine whether it fits our lending criteria.
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Yes. We consider vacant, underperforming, and value-add commercial properties when there is a clear business plan and a viable path to repayment. Our underwriting focuses on the property’s current condition, its potential after improvements or lease-up, and your experience executing the proposed strategy.
Financing is evaluated on a case-by-case basis and is subject to our lending criteria.
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We offer Small-Balance Commercial Loans with leverage of up to 65% loan-to-value (LTV). The amount available depends on the property’s appraised value, condition, financial performance, and the overall transaction.
Each loan is evaluated individually, and the final loan amount is subject to underwriting and approval.
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Documentation requirements vary by transaction, but typically include property details, the purchase contract or current mortgage statement, available property financials, and information about your investment experience and business plan.
For income-producing properties, we may also request rent rolls, leases, and operating statements. Our team will provide a transaction-specific checklist during underwriting so you know exactly what is needed.
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Our commercial loans are primarily underwritten based on the property, the borrower’s experience, and the proposed business plan. We do not rely solely on personal income to evaluate a transaction.
Depending on the loan, we may request personal financial statements, liquidity verification, or other financial documentation as part of underwriting.
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Our Small-Balance Commercial Loans offer interest rates starting at 13.99%, with loan terms of up to 24 months. Rates and fees vary based on the property, loan amount, leverage, borrower experience, and overall transaction.
We provide a clear breakdown of the proposed rate, origination fees, and other applicable costs before you move forward.
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Yes. We offer refinancing for commercial investment properties, including loans approaching maturity and properties that may not yet qualify for conventional bank financing.
Whether you need to refinance an existing loan, complete improvements, or stabilize the property before obtaining permanent financing, we evaluate the property’s current condition, your business plan, and your proposed exit strategy to determine an appropriate financing structure.
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We currently focus our Small-Balance Commercial lending on Arizona. If you have a commercial investment opportunity in another state, contact our team to discuss the property and financing request. Availability outside Arizona is subject to our lending criteria and applicable licensing requirements.
We hold active NMLS and Mortgage Banker’s licenses with the state of Arizona.
NMLS #2837378
AZ #BK-2019518
Ready to Finance Your Property?
Tell us about the property and your financing needs. We'll help determine the right structure for your transaction.
Ready to Finance Your Next Property?
Whether you’re acquiring, refinancing, or repositioning a commercial property, tell us about your opportunity. We’ll review the transaction and help determine a financing structure that fits your business plan.