Small Balance Commercial and Commercial Loans from 100K to 25 Million
Commercial Real Estate Loans for Investors Nationwide
Commercial real estate loans provide financing solutions for investors purchasing, refinancing, or improving income-producing properties. These loans are designed for flexibility, speed, and scalability, allowing investors to structure deals based on asset performance rather than personal income.
SellYouMoney offers nationwide commercial real estate financing, including bridge loans, DSCR loans, construction loans, and asset-based lending solutions tailored to investors.
What Are Commercial Real Estate Loans?
Commercial real estate loans are business-purpose loans used to finance properties such as multifamily buildings, retail centers, office spaces, industrial assets, and mixed-use developments.
Unlike traditional residential mortgages, commercial loans focus on the property's income potential and overall investment strength rather than solely on borrower income.
Types of Commercial Loans We Offer
DSCR Loans
Loans based on property cash flow rather than personal income. Ideal for rental property investors scaling portfolios.
Bridge Loans
Short-term financing used to acquire or reposition properties before securing long-term financing.
Construction Loans
Financing for ground-up development projects, including land acquisition and building costs.
Fix and Flip Loans
Short-term loans for purchasing, renovating, and reselling properties.
CMBS Loans
Long-term, fixed-rate financing typically used for stabilized commercial properties.
Asset-Based Loans
Loans secured primarily by the value of the property rather than borrower income.
Benefits of Commercial Loans
- Flexible underwriting for complex deals
- Financing based on property income (not just personal income)
- Options for LLCs and corporate borrowers
- Available for purchase, refinance, or cash-out
- Scalable financing for portfolio growth
- Nationwide lending coverage
Eligible Property Types
- Multifamily, Mixed-Use (Retail and Multifamily)
- Light Industrial/Warehouse
- Retail
- Office
- Self Storage
- Mobile Home
- Parks
- Daycare
- Automotive
SBCRE Lending Highlights
| Loan Amount | $100,000.00 to $25,000,000.00 |
| Property Types | Multifamily, Mixed-Use (Retail and Multifamily), Light Industrial/Warehouse, Retail, Office, Self Storage, Mobile Home Parks, Daycare, Automotive, Restaurant and Hospitality & Specialty Use considered on case-by-case basis depending on Hotel Flag and Location. |
| Terms | Fixed Rate & Hybrid Arm Options (5/6, 7/6, 10/6) 25 - or 30 -Year Amortization Rates 7 to 9% |
| LTV | Top Market = Max 75% LTV | Standard Market = Max 75% LTV | Small/Very Small Market = Max 70% LTV |
| DSCR Minimum | Minimum DSCR 1.10x |
| Credit Score | 660 Minimum |
| Credit Events | 0 x 24 Short Sale/DIL/Modification | 0 x 60 Bankruptcy/Foreclose |
| State Foortprints | All States Except: CA, MI, NC, ND, SD |
Frequently Asked Questions
What is required to qualify for a commercial loan?
Qualification depends on the property, loan type, and investment strategy. Many programs focus on property income and borrower experience.
Do I need to provide tax returns?
Some loan programs, such as commercial DSCR or stated income loans, may not require traditional income verification.
Can I close in an LLC?
Yes, most commercial loans are structured for entity ownership such as LLCs or corporations.
Do you offer nationwide lending?
Yes, SellYouMoney provides commercial real estate financing in 48 U.S. states.
How long does it take to close?
Closing timelines vary by loan type but can range from a few weeks (bridge loans) to longer for permanent financing.
