Commercial Lending Solutions
Finance Your Vision,
Finance Your Vision,
Fund Your Future
From office buildings to gas stations — commercial real estate, SBA loans, equipment financing, and specialty programs nationwide. Expert guidance every step of the way.
20+
Years Experience
$5M+
SBA 7(a) Max
50
Avg Days to Close
50+
Lender Network
Commercial RE
Commercial Real Estate Loans
Financing for income-producing properties — office, retail, industrial, multifamily, and mixed-use nationwide
Conventional Commercial
Standard commercial real estate financing — office, retail, industrial, and mixed-use properties
Min Down
25% – 30%
Max LTV
70% – 75%
Loan Amount
$500K – $10M+
Amortization
20–30 years
- ✓Fixed and adjustable rate options
- ✓Office, retail, industrial, mixed-use eligible
- ✓Strong DSCR required (typically 1.25x+)
- ✓Nationwide lending available
Best for: Established businesses buying commercial property
Multifamily 5+ Units
Apartment buildings and portfolio properties — scale your real estate investment
Min Units
5+ Units
Max LTV
75% – 80%
Min Credit
660+
Amortization
20–30 years
- ✓Apartment buildings and complexes
- ✓Qualify on property income (DSCR)
- ✓Agency (Fannie/Freddie) and portfolio options
- ✓Cash-out refinance available
Best for: Real estate investors, portfolio builders
Commercial Bridge Loan
Short-term financing for transitional properties — value-add, repositioning, or quick close
Term
12–24 Months
Max LTV
70% – 75%
Close Time
7–14 Days
Rate
9%–11%
- ✓Fast close — days not months
- ✓Value-add and transitional properties
- ✓Interest-only payments during term
- ✓Bridge to permanent financing
Best for: Value-add investors needing fast, flexible capital
Commercial Construction
Ground-up construction financing for commercial and multifamily projects
Max LTC
70% – 75%
Min Credit
680+
Loan Amount
$1M – $20M+
Term
12–36 Months
- ✓Ground-up commercial construction
- ✓Multifamily and mixed-use projects
- ✓Draw schedule aligned with construction
- ✓Convert to permanent financing at completion
Best for: Developers building commercial or multifamily projects
Hard Money Commercial
Asset-based commercial lending — qualify on property value, not income or credit
Max LTV
60% – 70%
Close Time
5–10 Days
Min Credit
550+
Term
6–24 Months
- ✓Asset-based — property value is key
- ✓Poor credit or no-doc accepted
- ✓Fix-and-flip commercial properties
- ✓Fastest close in the industry
Best for: Investors needing fast capital regardless of credit
Foreign National Commercial
Non-US citizens investing in American commercial real estate — no SSN required
SSN Required
No
Min Down
35% – 40%
Max LTV
60% – 65%
Income Docs
Foreign accepted
- ✓No US credit history required
- ✓Foreign income documentation accepted
- ✓LLC or entity vesting available
- ✓Multifamily, office, retail eligible
Best for: Foreign investors buying US commercial property
SBA Loan Programs
Government Backed
SBA Loan Programs
Small Business Administration loans — lower down payments, longer terms, and government guarantees for qualified businesses
💡
SBA advantage: SBA loans offer lower down payments (as little as 10%) and longer repayment terms than conventional commercial loans — making them one of the best financing tools available for small business owners.
SBA 7(a) Loan
The most flexible SBA program — working capital, real estate, equipment, and business acquisition
Max Loan
$5 Million
Min Down
10% – 15%
Rate
Prime + 2.75%
Max Term
10–25 Years
- ✓Working capital, equipment, real estate
- ✓Business acquisition financing
- ✓Refinance existing business debt
- ✓Most flexible SBA program available
Best for: Small businesses needing flexible financing
SBA 504 Loan
Fixed-rate financing for major assets — commercial real estate and heavy equipment
Max Loan
$5.5 Million
Min Down
10%
Rate
Fixed — Below Market
Max Term
10–20 Years
- ✓Fixed below-market interest rate
- ✓Owner-occupied commercial real estate
- ✓Heavy equipment and machinery
- ✓Only 10% down for qualified borrowers
Best for: Businesses buying owner-occupied real estate
Equipment Financing
Finance machinery, vehicles, technology, and specialized equipment for your business
Max Loan
$5 Million
Rate
6.75%+
Max Term
7–10 Years
Down Payment
10%–20%
- ✓Machinery, vehicles, technology
- ✓Medical and dental equipment
- ✓Restaurant and hospitality equipment
- ✓Fleet and transportation financing
Best for: Businesses needing equipment without depleting cash
Specialty Programs
Niche Expertise
Specialty Commercial Programs
Specialized financing for unique property types and business niches — where most lenders say no, we say let’s find a way
Gas Station Loans
Specialized financing for gas stations and convenience stores — niche expert underwriting
Max LTV
70%
SBA Available
Yes — 7(a)
Experience Req.
Flexible
Loan Amount
$500K – $5M+
- ✓Gas station purchase and refinance
- ✓Convenience store included
- ✓SBA 7(a) for first-time buyers
- ✓Environmental assessment guidance
Best for: Gas station buyers and existing operators
Hospitality Loans
Hotel, motel, and short-term rental financing — flagged and independent properties
Max LTV
65% – 70%
Min Credit
660+
Loan Amount
$1M – $20M+
SBA Available
Yes
- ✓Flagged brands and independent hotels
- ✓Motel and extended stay properties
- ✓SBA 7(a) and conventional options
- ✓Renovation and acquisition financing
Best for: Hotel and hospitality property investors
Islamic Finance
Sharia-compliant commercial financing — we connect you with certified Islamic lenders we personally vet
Structure
Sharia-Compliant
Interest
None (Halal)
Property Types
All eligible
Lenders
Personally vetted
- ✓Murabaha and Ijara structures
- ✓Certified Islamic finance lenders
- ✓Residential and commercial properties
- ✓Personal vetting of every lender partner
Best for: Muslim business owners seeking halal financing
Ready to Finance Your Commercial Vision?
Every commercial deal is unique. Let’s structure the right financing for your property, your timeline, and your goals — no obligation.
SI MTG | CA DRE #01480904 | NMLS #300923 | Licensed in California. This page is for informational purposes only and does not constitute a commitment to lend. Loan programs, rates, terms, and guidelines are subject to change without notice. All loans subject to credit approval. Equal Housing Lender. Privacy Policy | NMLS Consumer Access