Commercial division
Commercial lending across an unusually wide property list
Owner-occupied and investment property alike. If the asset class looks awkward to a local bank, it's usually the kind of file this division exists for.
Property types
- Apartment complexes
- Mobile home parks
- Self storage
- Assisted living facilities
- Medical offices
- Daycare facilities
- Auto body shops
- Car washes
- Gas stations
- Manufacturing facilities
- Campgrounds
- Short-term rental portfolios
- Gyms and fitness
- Mixed-use retail
Not an exhaustive list. Send the scenario and we'll tell you quickly whether we have a source for it.
What to send
Property type and address, purchase price or current value, requested loan amount, and a trailing twelve months of operating figures if the asset is stabilized.
How it's underwritten
Primarily on the property's cash flow and debt service coverage, plus sponsor experience and liquidity. Personal income matters far less than on a residential file.
Typical timeline
Term sheets in days, closings usually in 45 to 75 days depending on third-party reports, environmental review, and the lender's appetite for the asset class.
Have a commercial scenario?
Send the basics and you'll get a straight read on whether it's financeable and roughly where it prices.