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Hard Money
For purchasing a property that investor does not qualify for conventional financing or who looking for a short term loan for fix and flip, new construction, and rentals. Lenders are generally private investors or companies.
- Minimum credit score of 500
- Short term bridge loan with term of 9-24 months
- Single Family, Multifamily, Mixed Use, Commercial for Investment properties
- Loan size of $100k to $5M
- Down Payment from 25%
- Interest only payments
- Purchase, Refinance, or Cash out
- Foreign Nationals Eligible
- Investment property only (primary not allowed
FIX AND FLIP
Investors use fix and flip loans, also known as bridge loans, rehab loans, or residential transition loans, to purchase a property, improve it, and sell it for a profit. There are two components to fix and flip loans: the purchase and the funds for the rehab.
- Any level of investor experience
- Credit scores as low as 660
- Non-owner occupied Single Family, Multi Family up to 4 units property types
- Purchase Loan Amount – up to 85% of Cost
- Construction Loan Amount – up to 100% of Cost
- Total loan amount is up to 85% of the total cost (maximum after repair value LTV 70%)
- 12-month loan term with Interest Only payments
NEW CONSTRUCTION
Is a single-close loan that starts as a construction loan where money is drawn as needed to pay building costs, then converts to a permanent mortgage upon the completion of the project.
- Investment Properties Only: Single-Family, Condos, Townhomes, Multi-Family, Commercial, Mixed Use, Office, Retail, Industrial, Warehouse
- $100K – $5M Loan Amounts
- Up to 75% LTV
- Blanket Loan Options Available
- Fixed rates/Adjustable
- 9-24 Month Terms
- Interest Only Payments
- Purchase, Refinance, or Cash Out
- Foreign Nationals Eligible
- No Prepayment Penalty Option Available
SBA - SMALL BUSINESS ADMINISTRATION
Small-business loan that can help cover startup costs, working capital needs, expansions, real estate purchases and more. This type of financing is issued by a private lender but backed by the federal government.
- For Profit Business
- Business is physically located in U.S.
- Loan amount up to $5M
- Can be used for most business purposes, including fixed assets and operating capital
- Lower down payments, flexible overhead requirements, and no collateral required for some loans.
- Cannot be delinquent on Federal Debt
- Exhausted financing options from non-government sources and cannot get approved.
OFFICE AND MIXED USE
Used finance buildings that are used for a combined purpose. Mixed-use buildings are zoned for multiple uses, including residential, commercial, industrial, or institutional. Mixed-use loans can be short-term or long-term.
- Property types include mixed use, multi-family, office, retail, light industrial/warehouse, self storage, mobile home communities, automotive, daycare, restaurants, special purpose considered
- Loan amount $500k to $10M
- Terms 5,7, 10, 20, & 30 years
- LTV max is 75%
- Interest only option available
- Prepayment penalty can be negotiated
- Credit score 660+
BRIDGE LOAN
Short-term loan used until a person or company secures permanent financing or pays an existing obligation. It allows the borrower to meet current obligations by providing immediate cash flow for down payment on new property, renovations, or expansion.
- Investment Properties Only: Single-Family, Condos, Townhomes, Multi-Family, Commercial, Mixed Use, Office, Retail, Industrial, Warehouse
- $100K – $5M
- Up to 75% LTV
- Blanket Loan Options Available
- Fixed rates/Adjustable
- 9-24 Month Terms
- Interest Only Payments
- Purchase, Refinance, or Cash Out
- Foreign Nationals Eligible
- No Prepayment Penalty Option Available
EQUIPMENT LEASING
Various types of equipment can be leased, including construction equipment, farm equipment, medical and dental machines, office equipment, communication technology, restaurant equipment, software, tools and vehicles.
- Acquisition of equipment with monthly lease payments
- Option to buy out at end of term
- Loan amount up to $1M
- Pick any vendor and we will arrange financing
- Term 24 months to 60 months
- Customize plans to best suit budget and cash flow requirements
LINE OF CREDIT
Is a flexible business loan that works similarly to a business credit card. Borrowers are approved up to a certain amount and can draw on their line of credit as needed, paying interest only on the amount actively borrowed. Funds are typically accessible through a business checking account or mobile app.
- Allows you to borrow the exact amount of money you need to help grow your business when needed.
- Variable interest rate.
- Only pay interest on the amount you borrow.
- Good for covering ongoing purchases or expenses.
- Has the advantages of both a standard business loan and a business credit card
- Lower interest rates than a credit card
- Up to $300,000 line of credit
- Available for office, retail, self storage, hospitality, industrial, multi-family, manufacture housing, construction financing, etc.