Welcome

SBA Express Loan for Business

• At least three years in business
• Personal credit score above 685
• Term: 10 years 
• No prepayment penalty 
• 30-day close 
• Loan Amount: 25k-150k 
• COLLATERAL: Only business assets will be considered. Commercial real-estate (no appraisal required). 
• USE OF FUNDS: Working capital, Equipment, Debt refinance for term loans or lines of credit. 
• DCR of 1.15 
• Funding typically takes 2-4 weeks.

• Commercial Value Adds, Purchase, Refinance. 
• 1-4 Unit Residential Purchase and Cash Out. The cash proceeds can be used to renovate the property or towards a business purpose use. 
• Term: 12-36 months but can be longer on a case-by-case basis. 
• Interest-only payments. 
• Based on property type, use, location and LTV.
• LTV: 60% - 65%
• Speed Streamlined Process 
• Faster than traditional loans
• Flexible temporary financing solutions 
• Less focused on credit history 
• Minimal documentation and asset verification.

• Purpose: Working capital, refinance, business acquisition, R/E purchase/construction, purchase equipment or inventory
• Loan Amounts: $350,001 to $5,000,000
• Collateral: Commercial R/E, inventory, FF&E (furniture, fixtures, and equipment)
• Term: Varies, up to 25 years
• Rate: Fixed or variable rate
• Eligibility: Owner-operated and for-profit
• LTV: Varies, up to 90%

• Purpose: Working capital for A/R (Accounts Receivable) and inventory, refinance existing credit line or high cost factoring line. 
• Loan Amounts: $250,000 to $5,000,000. 
• Collateral: Accounts receivable and inventory.
• Term: 12 months to 10 years. 
• Rate: Variable rate.
• Eligibility: Must have commercial A/R. 
• LTV: Up to 80% A/R Up to 50% Inventory PO's 100% of COGS

We make it easy to qualify to buy more homes with our Cash Flow loan.

• No personal income used to qualify
• Qualification based on property cash flow
• 2 years seasoning for foreclosure, short sale, BK, DIL
• Credit scores down to 660
• Up to 75% LTV
• No DTI restrictions
• 1% DCR
• Must have current mortgage
• 1-4 units and condos

• Interest Only Payments
• 6 months - 2 year Terms
• Loans from $100K to $10 million 
• We finance 100% of the construction budget w/ 15% - 35% down on purchase (based on credit, experience and current conditions).
•  Closing in as fast as 5 to 10 Days. 
• Loans are available to borrowers with excellent to less than perfect credit.
• Flexible draw schedules Fast prequalification!

 Great for business owners and self employed!

• No tax returns or W-2s!
• No K-1's and no 1099's required!
• Loans up to $10 Million 
• 3 to 24 months bank statements 
• Up to 90% LTV Up to 55% DTI
• Requires 2 years in business

We say "YES" to Self Employed 

Ground-Up Construction for Spec Homes  and Commercial Real Estate

• Fixed for construction term of 12 months  
• Lesser of 80% loan-to-cost or 75% loan-to-value  
• Loans up to $10,000,000  
• Flexible Spec loan-to-values: 80% to $3M 70% to $3.5M 65% to $5M above $5M, case by case  

*700+ Credit Score required*

 No social security or residency required 

The Foreign National Loan Program is for customers that have a primary residence outside of the U.S. but travel legally to the U.S. for work or pleasure.

Program is only offered for second home and/or investment loans