Small business owners and investors utilize commercial RE properties nationwide to support and operate their businesses. We believe strongly in this type of asset and have developed financing solutions for commercial real estate loans designed specifically to help entrepreneurs achieve their vision of real estate ownership.
Whether you are a seasoned commercial mortgage broker or thinking about offering small balance commercial real estate loans for the first time, it's important you understand how the type of property financed can affect the commercial loan terms.
From a lender's perspective, commercial buildings with more general use capacity like retail, warehouse or office space are easier to finance than properties built for a specific purpose (i.e., bowling alley, bank or manufacturing plant) because they have an inherently lower risk due to a higher market demand from investors. Lenders often avoid financing specific use properties or require a lower LTV (e.g., higher down payment) on them to offset their higher risk profile.
At Privalend, we provide loans for a wide variety of commercial properties, including:
While we do provide investment property financing for up to $5 million on small balance commercial real estate buildings, most of our commercial real estate loans fall under $2 million in value. These smaller loans are much easier to approve and close in comparison to "institutional" loans for larger properties, so they're a great place to start if you're an investor who hasn't acquired commercial real estate loans in the past.
We know small business owners and investors only have a short runway to get their vision up and running. Our uncomplicated, asset-based commercial loans are designed to help you give them the velocity they need to acquire or refinance properties quickly and easily. Less paperwork, flexible terms and the freedom to look beyond a borrower’s personal income allow us to offer investors funding options beyond what’s traditionally available to them. Whether your need a loan for a new property or a cash-out refinance, our commercial loans terms will make it simple to qualify.
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Wall Street Lenders Inc., D/B/A Privalend Capital. Neither Wall Street Lenders nor Privalend is a chartered bank or trust company, or depository institution. Neither Wall Street Lenders or Privalend is authorized to accept deposits or trust accounts, nor licensed or regulated by any state or federal banking authority. Privalend makes commercial, business purpose loans. Loans are for investment purposes only and not for personal, family, or household use. Loan product availability may be limited in certain states. This is not a commitment to lend. All loans are subject to borrower underwriting and credit approval, in Privalends' sole and absolute discretion. Other restrictions apply.