We offer a variety of programs to meet your specific needs. Our loan amounts range from $100,000 to $10,000,000 on our core products, with up to $100,000,000 available from Private Equity Funding. We have Stated and Standard documentation programs with low credit requirements and unique underwriting guidelines to fit most common sense scenarios for investors and owner users.

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Document Checklist

 Standard Documentation Program

  Underwritten based on cash flow from property and/or the strength of the borrower

  Up to 95% LTV, 95% CLTV's, Loan amounts up to $1,500,000

  Up to 95% LTV, 95% CLTV's, Loan amounts up to $1,500,000

  Minimum FICO score: 580

  Property types: multi family (5+), mixed use, retail, office, warehouse, light industrial, bed & breakfast, self storage, mobile home park, gas stations and more. (Call for others)

  Amortization periods: 15, 20 and 30 year

  Fixed and Adjustable rates

Stated Income Stated Asset Program (SISA)

  Pure stated programs driven off FICO scores and appraisal

  No verification of income or assets other than proof of funds to close on a purchase

  Up to 85% LTV, 90% CLTV's

  Loan amounts up to $1,000,000

  Minimum FICO score: 600

  Property types: multi family (5+), mixed use, retail, office, warehouse, automotive, light industrial, bed & breakfast, self storage, bar/restaurant, day care, mobile home park, gas stations and more. Call for others.

  Amortization periods: 15, 20, 25 and 30 year

  Fixed and Adjustable rates

Busness Owner Plus Program

  Full Doc and Stated Income programs

  Up to 90% LTV for owner-occupied properties, 90% CLTV's

  Loan amounts up to $5,000,000 ($3,000,000 Stated)

  Minimum FICO score: 600 (660 Stated)

  Property types: mixed use, retail, office, warehouse, automotive, light industrial, day care, dry cleaners, vocational schools, convenience stores (no fuel) and more. Call for others.

  Amortization periods: 30 year

  Fixed and Adjustable rates

  2 Years of business operation required

Platinum Loan Programs

  Rates that rival local banks on a national level

  Full Doc and Stated Income programs

  Loan amounts up to $10,000,000

  Underwritten based on DSCR of property (except in owner user scenarios)

  Minimum FICO score: 600

  Property types: multifamily (5+), mixed-use, retail, office, warehouse, industrial. Call for others.

  All loans based on 30 year amortization period

 Private Equity Fund

  Underwritten based on equity in the property

  Purchases, refinances, foreclosure bailouts and bank workouts

  Closings can occur in as little as 5 - 15 days! (Best Case Scenaro)

  Up to 75% LTV

  Loan amounts from $1,000,000 to $100,000,000

  We consider all property types except single family residential that is owner-occupied and raw land.

  12-Month Interest Only

Mini-Submission Pack

  LNB Loan Submission Documentation

  1003 Loan Application - Personal Financial Statement - Schedule of Real Estate Owned 

  Current Tri-Merged Credit Report

  Operating Statement or P&L from Subject Property

  Rent Roll - Only for properties with tenants

  Borrower Financials - 2 years of taxes, pay stubs, W2, etc

  Photos of the property

  "Stated" Debt Service Coverage Ratios (DSCR)

We can structure a commercial loan solution for almost any scenario, there are many loan programs that are not listed here; for a free consultation by a loan professional please complete the form here.