Commercial financing, placed where it fits.
Commercial lending is a market of appetites. Every lender has an industry, a property type, a loan size, and a story it wants, and the same request that dies at one institution gets approved at another. Our job is to know the difference before your file goes anywhere.
What do we finance?
Owner-occupied commercial real estate for businesses buying or refinancing their own space. Investment property loans for offices, retail, warehouses, and mixed use. SBA financing for acquisitions, real estate, and expansion. And bank fallout: commercial loans that just missed at a bank and need a lender with different appetite.
What happens when a bank turns down your loan?
A bank decline usually means your loan missed one of that bank’s internal requirements, not that the loan is unmakeable. Banks work inside narrow credit boxes, and a loan that just misses at one institution is often approved at another. We call this bank fallout, and it is a specialty of ours. Our leadership spent years inside bank credit departments, so when we read a declined file we can usually see exactly why it missed and which lender fits it. Bring us the deal and the decline; the reason behind the no tells us where to take it next.
How does SBA financing work through a broker?
The SBA does not lend money directly. It guarantees a portion of loans made by participating lenders, which lets those lenders approve business loans they otherwise could not. The catch is that every SBA lender has its own appetite: the industry, the collateral, and the story that one lender declines is exactly what another wants. We package your request the way an SBA credit officer needs to see it and place it with the lender whose appetite matches your business, rather than leaving you to work down a list one bank at a time.
What does the process look like?
It starts with a conversation about the deal: the property, the purpose, and the numbers. From there we tell you plainly whether we see a path and what documentation the file needs, typically the property financials, your business financials, and a personal financial statement. We package the request the way a commercial credit officer expects to read it, place it with lenders whose appetite fits, and manage the questions that come back. You get one point of contact through underwriting, approval, and closing, and if we do not see a path, we say so before you spend money on reports.