321-749-6595

Commercial Realty Funding, LLC specializes in Unsecured Business Lines of Credit. These business lines of credit do not require collateral and include anything from smaller business credit card solutions up to individual lines of credit for $500,000. How much the business owner qualifies for depends on the credit profile and the size and profitability of the business. Start-up companies with no established revenue and a business owner or partner with a good credit file can expect to receive between $25,000 – $100,000 normally.

Established businesses with revenues of $1,000,000 up to $10,000,000 can expect between $100,000 – $500,000 with no collateral if they qualify with their financials and credit. These are A-Paper products so the rates are very good. They range anywhere from 0% introductory offers on all our business credit card solutions to 1-5% over prime for the larger lines of credit. We don’t offer “subprime” Unsecured lines so you’ll either get the good rates or you will not be approved.

We offer a No-Obligation Pre-Qualification that takes 10 minutes to complete and only requires a credit-check that costs less than $45.Feel free to speak to one of our representatives on obtaining an unsecured line of credit.

$100,000 to $100,000,000 or more

Commercial Realty Funding, LLC offers a diverse mix of commercial real estate loans to meet the individual borrowing needs and investment objectives of its borrowers, for both investment and owner-occupied commercial properties. We can carefully structure the right financing solution no matter how small or large your transaction requires. Depending on the deal, we can offer recourse and non-recourse commercial real estate financing options. Our knowledge and depth of expertise maximizes efficiency and becomes your advantage

Programs:

SBA 7a and 504 Loans for Owner Occupied properties and Flagged and Non Flagged Hotels

We have the most competitive rates and terms for both of these programs. Rates as low as 4.5% and fixed terms out to 25 years.

Conventional Programs for Commercial Real Estate

We offer conventional loans for stabilized investment and owner occupied real estate from $200,000 to $100,000,000 or more in major markets nationwide. Rates can be as low as 3.75% with LTV’s as high as 75% and terms out to 10 years with 30 year amortizations. Properties considered are multifamily, industrial, office, Hotels, Mobile Home Parks, Self-storage & Retail for acquisitions and refinance.

CMBS Loans for Commercial Real Estate and Flagged Hotels

In today’s commercial real estate market there are a few options to finance properties with one of them being a CMBS loan. CMBS stands for “Commercial Mortgage Backed Securities”. It is a type of mortgage-backed security backed by commercial properties that are “securitized” into a pool, and then transferred to a trust. The trust issues a series of bonds that are sold to investors. These loans are almost always issued by Wall Street investment banks like Goldman Sachs etc. The benefits from a borrowers perspective is a very low interest rate, non-recourse debt, with fixed term up to 10 years with 30 year amortizations with the ability to cash out. There are only a few investment banks offering these since the crash of 2008 and we have long standing relationships with all of them acting as correspondents for them. Properties include Multifamily, Office, Retail, Franchised Hotels, Anchored and Unanchored shopping centers, Credit Single Tenant. Loans amount are $1,000,000 to $50,000,000

Equity and Mezzanine Financing for Commercial Real Estate

Commercial Realty Funding, LLC is very experienced at securing Equity or Mezzanine financing for commercial real estate transactions. We can tailor fit solutions depending on each client’s situation. We represent various capital sources and high net worth investors to fund such transactions. Loans amounts are from $5,000,000 to over $100,000,000.

HUD and FHA lending for Commercial Real Estate

FHA financing provides long-term, fully amortizing, fixed rate, non-recourse loans. This program is for acquisition , refinance, new construction and/or substantial rehabilitation of: Multifamily rental housing, Seniors housing, Healthcare facilities including special care, and Hospitals. Highlights to this program include: Very low permanent fixed rates, Fully amortizing, fully assumable, Non-recourse, Integrated construction / permanent financing, Credit enhancement for tax-exempt financing. Loan amounts are generally $2,000,000 to $50,000,000.

Construction Financing for Commercial Real Estate

We still have the ability to offer construction financing for projects. Often times we can structure construction to permanent financing depending on the project. Loan amounts are generally $10,000,000 to over $100,000,000. Sponsors or principles of the deal have to be experienced with equity in their projects.

International Commercial Real Estate Financing

Commercial Realty Funding, LLC has the expertise and experience in financing commercial real estate in foreign markets. We can structure debt, equity, or mezzanine financing for all types of properties worldwide. Loan amounts are generally $50,000,000 to 1 Billion dollars. We are very active in the European markets and Eurasia but can consider transactions in other areas of the world.

Unlimited source of financing for your company’s growth

The Small Business Loan Program at Commercial Realty Funding, LLC is an excellent source of financing for most businesses. Commercial Realty Funding, LLC has been designated as a Preferred Financial services company by Preferred SBA lenders to have loans processed more quickly and efficiently. This designation means that the SBA has delegated the approval process to our lenders, which means fast and efficient processing of your SBA loan.

COMMERCIAL/INDUSTRIAL REAL-ESTATE FINANCING

Purchase – Build – Refinance – Renovate – Owner-occupied

• Non-conforming properties
• Single-purpose buildings
• Gas stations
• Restaurants
• Repair Shops
• Auto Dealerships
• Hotels and motels
• Convalescent hospitals
• Veterinary

EXISTING BUSINESS ACQUISITION LOANS

• Your company’s cash flow & management capabilities are our primary indicators
• Up to $1.25 million a year
• Up to 15-year term
• Up to 80% financing
• Loans fully amortized, no balloons
• No pre-payment penalty
• 48 hour pre-qualification

EQUIPMENT FINANCING

• Commercial printing and binding
• Machine tools
• Manufacturing Equipment
• Heavy Equipment
• Trucking
• Medical Equipment
• Laundry/dry cleaning
• Diagnostic Equipment

LOANS UP TO $5 MILLION

• No cost pre-qualification letters
• Competitive rates and flexible terms
• No pre-payment penalties
• Up to 90% financing
• Up to 25-year terms
• Fully amortized
• Fixed and variable rate options on both 7a and 504 programs

7(a) Loan Program

We specialize in providing long-term permanent financing to small businesses. Our loans, including the 7(a) Loan Program, are made through the Small Business Administration (SBA) guaranteed loan programs.

Eligible Businesses and Property Types – Almost any type of for-profit business is eligible for financing. Commercial real-estate must be partially occupied by borrower and includes, but is not limited to, the following types of properties:

• Office Buildings
• Warehouses
• Industrial Buildings
• Manufacturing
• Child Care Facilities
• Car Wash Facilities
• Automotive Repair
• Shops
• Professional Buildings
• Hotels and Motels
• Restaurants
• Gas Stations
• Bed and Breakfasts
• Franchises
• Start-ups
• Single-Use Buildings

Eligibility based on SBA size standards. Typically, retail businesses with annual sales of less than $6,000,000, manufacturing business with less than 500 employees, and service businesses with less than 100 employees. Eligible businesses include those in retail, manufacturing, and services industries.

Use of Proceeds Real-estate acquisition, construction, or refinance – up to 90% financing available

Business Acquisition – up to 80% financing available

Equipment Acquisition – up to 100% financing available

Debt Refinance -up to 100% financing available

Terms Up to 25 years for real-estate financing
Up to 10 years for equipment or business acquisition financing
Up to 7 years for permanent working capitalAll loans are fully amortized.

Interest Rates and Fees – Interest rates are always market competitive. Fees are generally limited to the SBA guaranty fee and customary closing costs.

Loan Amounts – Loan amounts range from $200,000 to $5,000,000

504 Loan Program

We specialize in providing long term permanent financing to small businesses. Our loans, including the 504 Loan Program, are made through the Small Business Administration (SBA) guaranteed loan programs.

Use of Proceeds Real-estate acquisition, construction, or refinance – up to 90% financing available

Equipment Acquisition – up to 80% financing available

Loan Structures – Financing available on projects up to $12,000,000.

1. Commercial Realty Funding, LLC typically provides a first mortgage of up to 50% of the total loan-to-value. This loan can range from $100,000 to $3,000,000.
2. The SBA, through a Community Development Company (CDC) provides up to 40% loan-to-value in a second lien position. This loan can range from $100,000 to $5,000,000.

Terms and Interest Rates First Mortgage – up to 25-year term for real-estate loan and up to 15-year term for equipment purchase with fixed and variable interest rates available.

Second Mortgage – up to 20-year term for real-estate and up to 15-year term for equipment purchase. Fixed rate is determined at SBA guaranteed 504 debenture sale.

Fees First Mortgage – fees are always market competitive.

Second Mortgage – 2.75% + legal review fee. This fee is financed in the loan.Fees also include customary closing costs, construction loan fees (if applicable), and bridge fees.

Eligible Properties

Almost any type of for-profit business is eligible for financing. Commercial real-estate must be partially occupied by the borrower.