Commercial Lending and Business Funding Programs.


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We have  30 years of commercial lending relationships, including but not limited to-  no doc to full doc programs,  440 credit  to 850 credit borrowers, we have bank money rates to soft money rates to hard money rates We use the financial strengths you provide to get you the best credit facility you can qualify for.

Questions to Consider

 Let’s start with a few questions to determine what business loan programs are available for you. you can borrow as little or as much of the capital that is available to you.
1. What type of business are you in?

2. How long in business?

3. Annual gross sales?

4. Can your business provide tax returns, show net -profit at year-end? Do you have personal tax returns showing net income?

5. What are your personal credit scores?

6. How many loans do you have out now? Debt schedule

7. Do you own real estate, equipment, accounts receivables?

8. Any previous defaults on loans? any bankruptcies? any tax liens?


With the above info, we will know how we can help you, please see below and attached for some of our lending programs.

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Commercial Real Estate Loan Request

Few questions

1. Is this a purchase or refinance?

2. Personal credit scores

3. Debt schedule?

4. Use of funds/Loan request

5. How much cash down on the purchase?

6.  Construction cost breakdown?

7. As-is value today vs after repaired value?

8. Exit to our loan? sale or refinance

9. Income from the property?

10. Projected income from property?

11.  If Land are entitlements completed?

12. Personal financial statement, possible cross collateral?

13. Experience?

14. If refinance, when did you buy, for how much $, any improvements made to date?

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We  offer speed, INTEGRITY, Reliability,  30 years of industry knowledge, and we love bank turndowns,

  • Business Term loans up to $25,000,000- Subject to cash flow, noi, time in business, credit as low as 660+-, deposits, liabilities, full doc
  •  Purchase order financing and contractor materials financing to $10,000,000.
  •  MCA/ACH consolidations
  • Commercial Real estate  bridge loans, Hard money, soft money,  land,  DIP,  renovations, etc  (1003 attached)
  • USDA loans to $10,000,000 6. Factoring, receivables, A/R- financing to 95% LTV
  • Inventory capital funding.
  • Equipment leasing one-page application  to $150,000. 620 scores, full doc TO  $10M- equipment sale-leaseback
  • Partner buyout to $5,000,000 to 100% of acquisition subject to DD and 1.25 DSCR .
  • Cash-flow Revenue Loans / ACH/MCA- credit as low as 440
  • Fix n Flip – to 90% loan to cost and up to 100% loan to cost on renovations  and  up 75% ARV with 80% of today As-Is Value
  •  Fix and Rent, to 75% loan-to-cost rates from 6.50%
  • SBA Programs: Our provider is a direct SBA portfolio lender with very efficient timing to close, we have 1.15 DSCR (others 1.25 DSCR)
  • Direct relationships with commercial real estate institutional take out lenders for stable properties, bank rates.
  • Apartment Financing (Affordable Housing) to 87% LTC as low as 3.78 % rates
  • LBO for qualified buy-out transactions with EBITA and assets to secure financing, seller subordination etc.
  • Accounts Receivable to 95% of invoice as low as 7.5% annual % rates** VERY STRONG COMPANY**
  • Import capital –  Capital Group to provide SBLC to $100,000,000  and logistics with warehousing, for approved transactions. (ie; order for  machine parts from China,  whereas client, needs capital to secure order,  with product sold to USA car manufacturing, SBLC could be provided.)

Unsecured Business  Credit lines, Term loans,  and Bank cards based on 680+ Credit scores

  • Start-ups ok, No income Required
  •  Seasoned High credit limits – with low utilization- low inquires for max leverage 
  • Like “Internet Pawn Shop”– We can liquidate Autos, gems, art, lender takes possession of the asset. You get Cash Fast!
  • CREDIT RESTORATION – No up-front money due – Negative items deleted in under 21 days,  payment due when negative items removed!
  • Federal Gov’t contact Mobilization capital for Seasoned and startup contract holders will be reviewed. Bank product full doc compliance.
  • High-risk merchant processing available.
  • NEW  FIX N FLIP- TO 100% LTC – including, fees, points, interest reserves, renovations, Joint Venture – Requires Experience and Location approval

NEW Vacant Commercial buildings can be financed based on  future market rents- to 80% LTV-  rates as low as 7.25 % with 720 credit

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NEW   1-4 units  SFR  Investor – Can be vacant – Non-owner occupied – to 80% LTV, rates as low as 6.5% with 720 scores and market rents.

  •  Accounts Receivable – No- Redirect, Non-Notification, No lockbox, credit lines.
  •  Equipment Sale Leaseback – No documents- No tax returns, no min credit requirements, only new appraisal forced liquidation value.
  •  Construction Mobilization Capital, Purchase order mobilization capital, Materials financing for construction jobs.
  •  Equipment Sale – Leaseback – No Credit requirements, No Financial covenants, No doc, Stated, up to 75% of forced liquidation value, new appraisal, and inspection required.
  •  No redirect, non-notification, no lockbox required credit line for accounts receivable
  •  Foreclosure Bailout for Commercial Properties 
  •  Inventory capital, financing against free and clear owned inventory 
  •  Start-up Capital – Unsecured- 680+ Credit, Stated and Full doc- 
  • Unsecured Term Loans, Credit lines, Monthly payments, Installment Loans, Start-ups ok, Credit score 680 and up


Please provide what is pertinent to your file- the more you can prove the better the rates, terms, leverage.


 To get Business Capital Funding

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1. Fully complete the Application, all questions with wet signatures.

2. 6 months bank statements, all pages, including any merchant processing, if seasonal 12 months bank statements

3. list of all advances and loans with payoff statements

4. list of all receivables, aging report, collection report

5. List of all equipment, when bought, for much money, and total liquidated value, serial numbers and model numbers.

6. Inventory, when it was purchased and for how much money, with sell-out value.

7. Profit and loss, Year-to-Date and Balance Sheet

8. Provide your credit scores, Try IdentityIq.com or MyFico.com to get your 3 bureau credit report.

9. List any financial problems, and previous turn downs, any bankruptcies, judgments or liens.

10. Provide a simple explanation letter for the use-of-funds and how this capital will improve your business.

11. Prove you have 2 years in business and with personal tax returns.

12. Please list of all your real estate holdings, when bought, the value today, any debt and leases.

13. Complete a personal financial statement.

14. Address any additional conditions that will be requested with a term sheet.

15. Invoices for new equipment purchases, or commercial real estate expenses.

Documents Needed

  • 1003 application 
  • bank statements
  • profit and loss
  • leases
  • rent roll
  •  use of funds
  •  loan request
  •  resume
  •  the credit of all borrowers 
  •  when bought and for how much and any improvements
  •  appraisal
  •  PFS- personal financial statement
  •  title report
  • . list of all debt
  •  PURCHASE  SALE AGREEMENT 
  •  PERSONAL TAX RETURNS AND IF TAX RETURNS AVAILABLE ON PURCHASE
  •  Soils report – If hard money or bridge EXIT
  •  Any construction or renovation budget
  •  IRS PAYMENT PLAN (if applicable) AND IN GOOD STANDING

 www.privacyguard.com  or www.experian.com  for 3 SCORE REPORT

Greg@FixandFlippers.com

Contact me to get started today!

Investor Bailout Loan Options Available.


Need an Emergency Loan?

Lenders I work with are making loans for homeowners in foreclosure or default.

Bail Out Loans

They are very effective in assisting homeowners in foreclosure or Default in restoring their loan Situation.

65% L.T.V Cash out with Default or Foreclosure

Our Specialty loans

  • Bailout loan 65% L.T.V 
  • 2nd T.D. For Business Purpose up to 65% C.L.T.V
  • Land Loans up to 70% 
  • Purchase Fix and Flip 90%  with 100% Rehab. 
  • 1 Day in the Investment business no problem 80% L.T.V. Purchase.
  • 1 Day on Title 70% L.T.V Refinance N/O/O

Gap Loans

Gap loans are generally high interest, last option loans that may cost 12% + APR and more than likely will cost a chunk of your profit on the back end. Many lenders will ask for up to 50% of your profits.

Most lenders won’t gap behind another lenders loan. If you lack the funds for a down-payment but your deal has a lot of current or potential equity, you may persuade them to go up to 75% of the ARV or after repaired value. This would include funds for acquisition, rehab and holding costs such as interest payments, etc.

Gap loans can also be self-generated by way of unsecured credit lines, business credit lines or term loans.

Also EMD funding is available to assist in certain situations.

Business Lending

They provide capital based on an average of $10k monthly deposit and 6 months in the business. They can fund in as little as 5 days. 

Residential, Multi-Family, Commercial, Specialty Properties and Land

Large or small, condo or townhouse, house or Mansion. 

Contact Me greg@fixandflippers.com

Start Building Biz Credit with Easy Funding Program.


For Start-up or Established Biz

Benefits

  • Stop lowering your credit scores on business expenses.
  • Receive Up to $300k in 7-10 days!
  • Are you looking for funding that doesn’t report to the personal credit bureaus? This is it.
  • Maintain your good personal credit rating!
  • Company starts building your business credit profile
  • Raised over $50M with A+ BBB
  • Just need good credit, get your quote within 24 hours.

Term Loan

  • 5-7 Year Term
  • 7-12% interest rate (Based on personal credit rating)
  • Cash Deposited into account
  • Traditional Monthly Payment

Term Loan Criteria

  • 680+ credit scores
  • $50,000 or more in personal income the past two years

Business Lines of Credit

  • Revolving limit balance set up
  • 0% interest for 6-12 months
  • Stated income
  • Only reports to the business credit

Business Lines of Credit Criteria

  • 730+ Credit Scores
  • Must have a business

Get started today here – https://nationalcc.wufoo.com/forms/fix-and-flippers/

Creative Commercial Mortgages Being Funded Nationwide from Our Partners


We work with strong commercial lenders, they are nationwide direct non-bank lenders. They provide Transactional loans, they are one of the few  SBA Preferred Lender and they specialize in owner-occupied properties.

Some of the deals they’ve funded are:

Atlanta Office Building

Office Building in Atlanta the loan was submitted on a Wednesday, and they had approval by Friday. They sent docs out the following Thursday to meet the close of escrow. This was a 65% LTV Conventional loan of $2,080,000

Childcare Funding

They rose to the occasion with a lucky teacher in GA, funding a childcare facility using an SBA 7A loan with a high LTV (87.5) in a rural setting and startup business! They had other obstacles but persisted with creative financing and some additional collateral, they were able to close!

Industrial building funding

With an Industrial auto service bank turn-down that was submitted on the 16th for approval; by the 27th they used a SBA 504 loan and a combo 1st Trust deed and Bridge loan totaling over $3.3M. They closed this 90% LTV loan in Los Angeles in 2 weeks.

Fast Food Funding

Even after several lending institutions passed, because there were very minimal industry ownership/management experience, they were able to fund a fast-food purchase with a 2 loan combo for over $550,000 in CA.

Construction Company Funded

Our partners pleased their Construction company borrower after performing on a previous loan, they received the opportunity to fund a refinance of an existing asset, the borrower had issues and were declined by 3 other banks, the current loan had matured, and the borrower needed a 6 figure cash-out for working capital,  they obtained a 60% LTV conventional loan for $600k cash-out.

SBA 7a Loan Funding in North Carolina

They provided a $1.1M cash-out on an office condo in NC for a borrower to pay their taxes to be eligible for an SBA 7a loan to refinance a second building with working capital.

Office Funding in Florida

They were able to beat out a local bank for the business of a top operator who purchased an office in Florida for $300,000 at 85% LTV.

Retail Funding in San Francisco

Creatively speaking, our partners think outside the box and know the markets, they financed the purchase of a mixed-use retail and residential property that penciled out and had aggressive projections, at 80% LTV they made a loan over $1.3M in 32 days in San Francisco.

Hotel Purchase in Colorado

A hotel purchase in Colorado with a 2 loan combo, and over $4M in creative financing, the change in hotel flag due to change in ownership was an issue for some banks but my partners closed it up!

Multi-Tenant Refinance in Los Angeles

In Los Angeles, I  was happy when they performed great on a private money loan funded a multi-tenant refinance, taking the owner out of a high-interest loan to a low-interest conventional loan at 65% LTV.

Closed Despite Bankruptcy, Lien & Judgements

They were able to defeat multiple obstacles with a client that included: 2 operating companies, multiple affiliate businesses, inconsistent cash-flow, and a history that included a bankruptcy, multiple state lien &  judgements for over $1.6M.

Expansion Funds for a Construction Company

They helped an established contractor of 32 years fund an expansion for their business for over $850k, based on projections.

Cannabis & Hemp Funding

If you have the experience, cash reserves and good to great credit, we can look at Cannabis and Hemp financing requests.

If you’re in need of Commercial Financing, Contact me – Greg@fixandflippers.com with your Loan Scenario

Nationwide Commercial Loans for Investors


Need Capital to Retrofit your Soft-Story Building in California?

We can help!

  • 2nd TDs on Commercial and Multi-family buildings in California
  • Rates start at 8.99% at 40% CLTV 
  • Up to 12.99% at 65% CLTV or for difficult area / condition
  • Min. 6 months interest on 3-year loan
  • Min. 12 months interest on 5-year loan
  • Loan amounts over $50k OK

Los Angeles, Pasandena, West Hollywood and Santa Monica City have mandated the retrofitting of multifamily soft-story buildings.

Top Markets

Los Angeles, San Francisco, San Jose, San Diego, Sacramento County

Standard Markets

Riverside, San Bernardino, Ventura, Orange, Bakersfield, Fresno County

Acquisitions or Refinances, Workouts, Recapitalization on stable and transitional assets

Highlights

  • National Lending
  • Freddie Mac Multifamily Small Balance Loans $1M to $7.5M – Cashout is available. Min – 5 residential units. 85%-90% occupancy required.
  • Top Markets: New York, Northern NJ, Long Island, Boston, Washington DC, Chicago, Los Angeles, Orange County, San Diego, San Francisco, San Jose, Denver, Miami/Ft. Lauderdale, Minneapolis, Portland and Seattle. 
  • Contiguous site properties no limit 5+ units
  • Scattered site properties no limit 5+ units
  • Flexible Terms 5,7,10 year options with 30 year, Hybrid or Fixed options.
  • Interest Only Options
  • Non-Recourse
  • Competitive Rates in the 4’s and 5’s
  • Conduit/CMBS loans from $1M to $75M
  • Bridge Loans from $1M to $75M
  • Preferred Equity/Mezzanine Financing from $2M to $50M  
  • National primary and secondary markets accepted.
  • Structured Equity/JV Financing from $3M to $20M
  • Emerging Development Fund (Pay pre-development and acquisition costs from $75k to $2.5M) 
  • Your pricing would depend on Pre-Payment structure, Loan LTV, Income Profile and Interest only period.
  • Providing Joint Venture preferred equity behind GSE mortgages. One stop shop for your commercial real estate asset types.
  • Pre-Development – To be used for: Acquisitions, legal costs, costs for third-party reports (eg. Environmental assessments and appraisals) design plans, tax credit applications, deposits and other pre-development costs.
  • Rental Housing, Commercial; Industrial and Mixed-use projects are acceptable.
  • Pre-Development ($100k-$750k) 80% of budget
  • Pre-Development & Acquisition ($1M-$2.5M) 30% of total budget
  • Flexible pre-pay. Can be 1st or 2nd position mortgage with personal guaranty. Full Recourse. 

Eligible property types:

  • Multifamily
  • Mixed-Use
  • Retail
  • Office
  • Industrial
  • Self-Storage
  • Independent Living
  • Medical Office
  • Student Housing
  • Mobile Home Parks
  • Hospitality in major and secondary markets

#FreddieMacSBL #CMBS #BridgeLoans #PreferredEquity #StructuredEquity #Mezzanine

Inquire Today!

Nationwide Private Bridge Loans Available


  • Quick Close options 1-2 weeks possible.
  • Funds for Improvements – Cashout for Investments OK!
  • Business Purpose use for Funds OK.
  • Bank Turndowns are OK
  • Bankruptcy is OK
  • No Docs
  • 12-24 months No-Prepay
  • Owner Occupied is OK – up to 5 yrs Fixed
  • Long-term hold loans for good credit & low rates (4%-7%)
  • Luxury Loans to $15,000,000
  • Interest reserves & Closing costs can be included in the loan if you have the equity for Fix and Flip only.
  • Refinance and Purchase loans Available
  • No Credit, No Doc, No Verified income for Foreign Nationals, living abroad is OK
  • No Tax Returns, Non-Warrantable Condo’s are OK
  • 30 yr fixed options are available
  • Stated Loans Available
  • No Source / Seasoning needed for loan approval
  • Cross Collateral structure funding with existing properties in portfolio
  • Current Renovation in Progress is OK.
  • Construction to Permanent is OK
  • Multi-Family, Commercial loans OK
  • Nationwide Lending, Case-by-Case Decisions based on complete scenario!

Leave Your Loan Request Inquiry Below Today!

Non-QM Niche Loan Programs


Owner-Occupied Non-QM

  • Up to 95% LTV
  • 1 month Bank Statement Program
  • 12 or 24 month Bank Statement Program
  • VOE Only Program
  • 1099 Only Program
  • P&L Only Program
  • Asset Depletion Program
  • Credit Scores Down to 500
  • Foreclosure Bailout

Non-Owner-Occupied Non-QM

  • No Income Verification up to 80%
  • No Income Verification for cash out up to 75%
  • NO DSCR Required
  • Ficos down to 600
  • 5+ Unit Apartment Bldgs.
  • Mixed Use Properties
  • Loans held in LLC and Corps.

Inquire Below Today!