Financing programs

Capital for every kind of commercial deal.

Eight programs, one experienced desk. Whatever you're financing — an owner-occupied building, an investment property, a ground-up build, or the equipment inside it — we match it to the right structure and the lender most likely to fund it.

SBA · Government-backed

SBA 7(a)

The most flexible SBA program — built for owner-occupied real estate, business acquisition, partner buyouts, and working capital. Low down payments and long amortizations keep monthly payments manageable while you grow.

Loan amount
Up to $5M
Down payment
As low as 10%
Term
Up to 25 years (RE)
Best for
Owner-occupants
Real estateAcquisitionWorking capitalPartner buyout
SBA · Fixed-rate

SBA 504

Long-term, fixed-rate financing for owner-occupied commercial property and heavy equipment. A bank loan paired with an SBA debenture lets you buy or build with as little as 10% down and lock your rate for the life of the loan.

Project size
$500K – $20M+
Down payment
As low as 10%
Rate
Long-term fixed
Best for
Buy / build / expand
Owner-occupiedHeavy equipmentConstruction
Conventional

Commercial real estate

Purchase or refinance office, retail, industrial, and multifamily assets. We place both owner-occupied and investment deals with competitive fixed and floating structures, sized to the property's income and your strategy.

Loan amount
$250K – $25M+
Property
Office · Retail · Industrial
Structure
Fixed & floating
Use
Purchase or refi
MultifamilyOfficeRetailIndustrial
Short-term

Bridge & short-term

Fast, flexible capital to acquire, reposition, or stabilize a property before locking permanent financing. When speed wins the deal, a bridge keeps you competitive — then we line up the take-out before it matures.

Speed
Close in days
Term
6 – 36 months
Leverage
Up to 75% LTV
Best for
Value-add / reposition
AcquisitionRepositionStabilize
Conventional

Mixed-use

Properties that blend residential units and commercial space need a lender who understands both. We structure financing for storefront-with-apartments, live-work, and multi-tenant buildings without forcing your deal into the wrong box.

Loan amount
$250K – $15M
Mix
Residential + commercial
Structure
Fixed & floating
Use
Purchase or refi
Storefront + unitsLive-workMulti-tenant
Business-purpose · Investment

DSCR & business-purpose

Investment-property loans qualified on the asset's cash flow — not your personal tax returns. Ideal for investors scaling a portfolio who want to qualify on rent rather than paperwork, with no personal income documentation.

Qualify on
Property cash flow
DSCR
From 1.0x
Docs
No tax returns
Best for
Investors & portfolios
1–4 unitMultifamilyPortfolioCash-out
Ground-up · Renovation

Construction & ground-up

Funding to build from the ground up or complete a major renovation, released draw by draw as the project hits milestones. We line up construction financing with a clear path to permanent take-out so you're never refinancing under pressure.

Funding
Draw-based
Scope
Ground-up & reno
Exit
Permanent take-out
Best for
Builders & developers
Ground-upMajor renovationSpec & build-to-suit
Business capital

Equipment & working capital

Capital for the equipment and operating runway your business needs to take the next step. Finance the machinery, vehicles, or fit-out that keep you growing — and keep working capital free for the day-to-day.

Use
Equipment & operations
Term
Matched to asset life
Speed
Fast approvals
Best for
Growing businesses
MachineryVehiclesFit-outWorking capital
Not sure which fits?

Tell us the deal — we'll find the program.

Send the basics and we'll come back with the right structure and real terms, at no cost.

Get pre-qualified (516) 888-7550 Mon–Fri · 9am–6pm ET