Working Capital / Short-Term Financing
Owners with lumpy or seasonal sales · Companies waiting on customer invoices
Flexible funding to support day-to-day operations and cash flow needs.
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Commercial Financing
Commercial Real Estate Loans CRE
Financing for multi-family, office, retail, industrial, hotels, self-storage, and other commercial properties.
A commercial real estate loan is a mortgage on a business property — apartments, a warehouse, a storefront, an office, a hotel, or self-storage — used to buy it, refinance it, or pull equity out.
How it works
The property’s income and the borrower’s experience drive the deal as much as the purchase price. Lenders look at rent rolls or operating statements, occupancy, sponsorship, and how much cash you are putting in. We work across the main property types: multi-family, office, retail, industrial, hotels, self-storage, and selected special-purpose assets. Requests can be an acquisition, a refinance of a maturing loan, or a recapitalization. Owner-users (you occupy the building) and investors (tenants pay the rent) are both in scope, and the structure is not the same for each.
Who this is for
- Investors buying or refinancing income property
- Business owners purchasing the building they occupy
- Sponsors with a 2026 or 2027 maturity to solve
- Owners of multi-family, industrial, retail, office, hotel, or storage assets
What it typically covers
- Purchase money for commercial property
- Refinance and recapitalization
- Multiple major property types
- A loan sized to the asset and the capital stack
A simple example
You are buying a small industrial building for your operating company. A CRE loan, or an SBA 504 if you qualify, can finance the real estate so operating cash stays in the business.
Good to know
- This is not a residential mortgage, even if the property has apartments. Different rules, different documents.
- Start well before a maturity date. CRE closings are not 30-day consumer loans.
Coverage, eligibility, and terms vary by location and underwriting.
Guides
Read this before you quote or apply.
Guide
Bridge loan vs. permanent CRE financing
When speed is the product, when a 10-year mortgage is the product, and what a clean exit looks like.
Read guideGuide
What a lender reviews on an SBA 7(a) or 504 file
Use of proceeds, occupancy, cash flow, and the documents that keep an SBA file moving after SBSS scoring went away.
Read guide