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Real Estate Loans

If your next business move is to buy or renovate real estate, you’ll need to finance it first. Real Estate loans help you add assets to your business while making payments manageable.

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What is a Real Estate Loan?

Even when a business has the liquidity to purchase a building outright, it can make better financial sense to finance instead. There are often credit and tax advantages to taking out a property loan. Commercial real estate loans are what corporations and business entities use to make the most out of real estate investing. There are significant differences between these loans and a residential real estate loan an individual might use.

Lenders look at different aspects of a business’s finances to decide when to approve and how much to approve. One important figure to consider is your DSCR or debt-service coverage ratio. This is your net operating income divided by the annual debt service on the loan. A DSCR of 1.25 is a good starting point. Depending on the lender’s minimum DSCR requirements, this number could affect your LTV, or loan-to-value ratio. That’s the amount of the purchase price the lender will cover with the loan.

Types of Real Estate Loans

Quick

Fill out a few quick questions to get the application process started. We’ll ask about your business needs and financial goals. This helps us find a starting point for our search.

Connect

Meet with our knowledgeable team so we can get to know you and your business better. Get a one-on-one consultation with a dedicated team member who can answer all of your loan questions.

Options

Next, we’ll present you with a range of financial products that fit your business’s needs and goals. When you’ve selected the best loan for your goals, we’ll walk you through the process and make sure you understand the details before you make a commitment.

Advantages of Real estate Loans

Loans make major purchases financially manageable.
Short and long-term loan options are available.
Be approved for your loan quickly.
Our lenders offer flexible repayment terms and competitive rates.

Frequently Asked Questions

When is a Real Estate Loan not a good fit?

If you intend to sell the building or occupy less than 51% of the building’s useable space, you may want to consider a different financing option. You’ll also need to submit several years of tax returns with your application. So, if you haven’t been in business long, we can discuss a more suitable loan.

Can a Real Estate Loan work for small businesses?

Yes, the U.S. Small Business Administration has 504 loans and 7(a) loans that can be used for real estate expenses. You may also qualify for bridge and hard money loans. We work with many small businesses every day and can show you the best options for the size of your business.

Is a down payment required?

An SBA 504 loan requires a 10% down payment, other lenders may require a 20% down payment. The more money you’re able to provide as a down payment, the lower your interest rate on a loan is likely to be.

What about amortization schedules?

Amortization on a commercial loan works differently from a residential mortgage. Most commercial real estate loans carry an amortization period longer than the loan term. This means payments are calculated based on a longer schedule. Then, the remainder of the loan is due in a balloon payment at the end of the term.

Our Process

Consultation

Unlike online lenders, we work with you to understand your goals and objectives for your business. Applying the right financial instrument with the right terms to each objective sets up a path for success. We’ll help you position your business for funding.

Placement

Unlike banks and other traditional lenders, we aren’t drawing from a single source of funds with a single set of terms. We aren’t trying to ‘sell’ you on a loan package. Instead, we facilitate placement of your loan with like minded lenders based on your plan.

Funding

We help you evaluate the terms offered by each prospective lender and we negotiate on your behalf to secure the best terms available for your business. Not only that, we are here for you in the road ahead. As you grow and evolve we will support with information and future financing opportunities.

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