Mortgage Financing

Get access to business financing by leveraging your property

Mortgage financing can help expand your business to additional or new real estate, fund capital improvements, or pursue new business and growth opportunities by taking advantage of the equity in your property.

Contact us to learn more about Mortgage Financing

Call us to speak to a specialist today.

Mortgage Financing - Simplified

How funding works

A lien is put on a currently-owned property in order to obtain funds for any purpose
A lien is put on a property that you are looking to buy in order to obtain funds for its purchase

Rates are based on

The security and length of the loan
The loan to value ratio
Your credit

Required documents

Profit and loss statements
Property info: appraisal or broker’s opinion of value (BOV)
3 most recent years tax returns
Personal financial statements – updated within last 60 days

Ask yourself

Do you own any commercial property?
Are you looking to buy any commercial property?
Is the commercial property currently producing income?
Is there any debt on the property?
How many units are on the property?

Good to know

Mortgage financing is only available for income-producing property
The most common way for a property to produce income is by having tenants
A property with both a business and a tenant on it is referred to as a mixed use property

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Learn more about our mortgage financing options:

Our real estate financing professionals will walk you through every step of the loan process and get you the most favorable terms for your commercial mortgage needs.
Our mortgage experts and commercial underwriters will identify the right solution for your small business needs. Options include:

- - Fixed rate loans — the most common financing solution to take on real estate. These mortgages have a fixed interest rate and payment for the full life of the loan.
  - Construction loans — provides the capital necessary to cover construction costs for a real estate project.
  - Bridge loans — a higher interest rate, short-term loan that serves as a source of capital until a person or company secures permanent funding.
  - Mezzanine loans — a high return option that helps a business increase its cash flow and show a higher bottom-line profit.
  - Land loans — used to finance the purchase of a plot of land or vacant lot.
  - Agency loans — loans issued by Fannie Mae, Freddie Mac, or Ginnie Mae (the three government-backed agencies that guarantee mortgages).
  - Preferred equity — alternative financing option that represents an unsecured ownership interest in the company.
  - Commercial mortgage-backed securities (CMBS) — fixed-income investments backed by mortgages on commercial properties rather than residential real estate.

What our clients are saying about our solutions

Our Financial Solutions and Business Services support our clients as they stay competitive and grow to keep our nation’s economy alive.

Professional staff helped guide us through getting our first business loan to acquire extra space and buy more shelving for our retail store. The loan helped us get an immediate return within 4 months as we got more in sales and a few self-checkout registers so there is minimal wait time for the customers.

Proud owner of a restaurant in California and was seeking capital to open a second location. My specialist at got me the exact dollar amount I needed to open, including renovation and equipment costs.

My specialist helped us get the funding we need to get some upgrades done. With low rates we were able to borrow and pay back overtime and noticed how we got more customers as a result. Loan paid for itself in 1-2 years!

Accelerate the growth of your business

Small Business Loans. Merchant Cash Advances. Payroll, HR, Employee Benefits. Websites & SEO.

100+

Specialists

Over 100 funding specialists to keep you going

15

Financing Options

15 financing options and small business products

$20M

Funding Up to

Unsecured funding up to $20,000,000

42

Hours

Get funding in 24 hours