Commercial Loans, SBA Loans & Hard Money Loans

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Biz2Finance.com specialize in Commercial Loans, SBA Loans & Hard Money

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Our Team of experts will walk you thru the whole process.

Commercial Mortgages

Conventional commercial loans are mortgages that are provided by a bank, credit union, savings institution, or other traditional financial institution and are secured by a first lien position on the subject properties being financed. The collateral may be any type of commercial real estate and do not always require previous experience. These loans are typically best suited for specialty properties like Office Building, Apartment Building, Mix Use, Hotel / Motel, Warehouse or any other structure that may require a Commercial Loan.

SBA Loans

The Small Business Administration as an independent agency of the US government to protect the interests of small businesses, preserve competitive enterprise, and strengthen the economy. The SBA helps small business owners remain the engine of the United States by offering higher LTVs and lower DSCRs than most conventional loan products. These programs are operated through private-sector lenders that provide loans which are, in turn, guaranteed by the SBA; the Agency has no funds for direct lending or grants. Although these programs are available for any individual, it gives special advantages to women and those belonging to minority groups.

Hard Money

The primary benefit of a real estate loan of this nature is that it’s quick. Borrowers don’t need to be concerned with the lengthy application and underwriting process of traditional mortgage loans. Short-term loans that fund rapidly and have a straightforward application process are ideal for real estate investors like house flippers. Because they only intend to hold the investment property for a short period, these borrowers don’t have time to wait for conventional loan approval. A faster turnaround is possible with hard money financing because there is less red tape and not as much scrutiny of the borrower’s finances like their debt-to-income ratio and FICO score. Because the property serves as collateral on the loan, there is less risk for the creditor and they can close these loans in a matter of a few days.
If your lender is making you jump through hoops or wait a long period to access your loan funding, they are likely not the right choice. A hard money mortgage is short and sweet by nature. The best hard loan lenders will not overcomplicate the process.

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