Commercial Lending
Commercial Loans — All States
Loan Masters Inc provides commercial real estate financing in all 50 states. Whether you're acquiring an office building, refinancing a multifamily property, or funding a ground-up development, our team has the expertise and lending relationships to get your deal done.
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Standard Commercial Loans
Commercial Real Estate (CRE) Purchase
Financing for the acquisition of income-producing commercial properties including office, retail, industrial, and mixed-use.
- Up to 75% LTV
- Fixed and variable rates
- 5, 7, 10, 25-year terms
- Recourse and non-recourse options
Commercial Refinance
Rate-and-term or cash-out refinance on existing commercial properties to improve cash flow or access equity.
- Cash-out up to 70% LTV
- Rate reduction options
- Debt consolidation
- Flexible prepayment
Multifamily Loans (5+ Units)
Financing for apartment buildings, mixed-use residential, and multifamily investment properties.
- 5+ unit properties
- Agency and non-agency options
- Fannie Mae / Freddie Mac eligible
- Up to 80% LTV
SBA 7(a) Loans
Small Business Administration loans for owner-occupied commercial real estate and business acquisitions.
- Up to $5 million
- Up to 90% financing
- 25-year amortization
- Owner-occupied required
SBA 504 Loans
Long-term, fixed-rate financing for major fixed assets like real estate and equipment.
- Up to $5.5 million SBA portion
- Below-market fixed rates
- 10, 20, 25-year terms
- Job creation requirements
Construction Loans
Ground-up construction financing for commercial, multifamily, and mixed-use development projects.
- Land and construction costs
- Interest-only during construction
- Draw schedule disbursements
- Permanent financing options
Bridge Loans
Short-term commercial bridge financing for value-add acquisitions, repositioning, and time-sensitive transactions.
- 12–36 month terms
- Fast closings
- Interest-only payments
- Transitional properties
Hard Money Commercial
Asset-based commercial lending for borrowers who need speed or have credit challenges.
- Asset-based underwriting
- Closings in 5–10 days
- Credit flexible
- All property types
Non-QM Commercial Products
Commercial DSCR Loans
Qualify based on the property's Debt Service Coverage Ratio — no personal income documentation required.
- DSCR as low as 1.0
- No personal income required
- LLC and entity vesting
- Up to $5M+
Stated Income Commercial
Commercial financing with reduced income documentation for self-employed borrowers and business owners.
- Reduced documentation
- Bank statement qualifying
- Self-employed friendly
- Fast approvals
Foreign National Commercial
Commercial real estate financing for non-U.S. citizens and foreign investors.
- No U.S. credit required
- ITIN accepted
- Investment properties
- Competitive terms
Fix & Flip Commercial
Short-term financing for commercial property renovation and resale.
- Up to 90% of purchase
- Rehab costs included
- Fast closings
- 6–18 month terms
Mixed-Use Non-QM
Flexible financing for mixed-use properties that don't fit traditional lending guidelines.
- Residential/commercial mix
- Alternative income docs
- Flexible underwriting
- All states
Portfolio Commercial Loans
Blanket financing for investors with multiple commercial properties under one loan.
- Multiple properties
- Cross-collateralization
- Simplified management
- Competitive rates
Commercial lending available in all states subject to applicable state and federal law. Not all products available in all states. Loan approval subject to underwriting review. This is not a commitment to lend. Loan Masters Inc NMLS #2067141.