|
At Access Capital, we have the experience and underwriters to finance your commercial property and offer a wide variety of
competitive, innovation loan programs designed for almost any situation. (Conventional Commercial, SBA, Stated, and Hard Money Real Estate Loans)
All credit types are welcome, in fact we specialize in clients with less than perfect credit!
- Housing Developments
- Retail, Offices, Warehouses, Self-storage
- Medical Facilities
- 5 Units & Up (Apartments)
- Commercial - Mixed use properties
- Restaurants, Taverns, Hotels, Motels
- Special Purpose/Unique Properties
- Construction (All Types)
- Gas Staions
- Most commercial properties considered!
|
Our Commercial Loan Services are Extensive, and Include:
- Debt & Equity Financing
- Loans for: Purchase, Refinance & Construction
- High LTVs, Up To 90%
- We Finance Owner Occupied Properties
- B & C Credit Welcome
- Short Term Mezzanine Financing Available
- Minimum loan size is $150,000 with no maximum size
- Amortization 15 to 30 years. ( Shorter periods can be customized )
- Conduit & Mezzanine Loans
- 1031 Tax Exchanges
|
Other Properties We Finance
- Apartments
- Condo Conversions
- Condo/Loft/Town home Apartments
- Hi-Rise Apartments
- Residential Developments
- Raw Land Improvement
- Construction Loans
- Multi Tenant Offices
- Single Tenant Offices
- Owner Occupied
- Business Condominium/Co-op
- Mixed Use
- Industrial/Flex
- Industrial/Manufacturing
- and Many, Many More!
|
- Churches
- Warehouse/Distribution
- Mini Storage Facility
- Retail
- Strip with Anchor
- Strip without Anchor
- Regional Malls
- 5 Units & Up (Apartments)
- Medical Clinic
- Hospitals
- Assisted/ Independent Living Facility
- Senior Housing / Congregate Care
|
COMMERCIAL (Purchase or Refinance)
Commercial Loans are for the purchase or refinance of commercial property. Commercial property is defined
as real estate that is zoned commercial or a parcel of land soned single family residence with a density of
5 or mor liviable units on the property. We offer conforming and non-conforming loans. Excellent credit or
Bad credit...we have a solution for you. Rates and terms vary depending on the merits of the transaction and
the Borrower.
At Access Capital, our minimum conventional commercial and SBA loan amount starts at $1 MILLION.
To apply for a conventional commercial or SBA loan, click
HERE
CONSTRUCTION
Construction loans serve the basic purpose of providing the funds for building a commercial project.
They usually are interest only loans until construction is completed, at which point then either the
property is sold in units or some form of permanent financing must replace the construction loan.
At Access Capital, our minimum construction loan amount starts at $1 MILLION.
To apply for a construction loan, click
HERE
HARD MONEY LOANS (Equity Based)
“What is Hard Money?” We define it as fast cash or quick money for properties and projects that
come from sources that are not constrained by conventional underwriting guidelines or restraints
from the typical market rate lending state of affairs.
There are several reasons that a Borrower may seek Hard Money; a property is difficult to finance
such as raw land; Credit problems – a poor credit history of the Borrower or the property; a Balloon
payment is due and conventional financing in not available to the project; Lack of documentation
or a property has been non-producing and requires a turn-around operationally and financially –
all of which requires quick and ready cash for a solution.
However, a hard money loan should not be final solution for a property unless the property or
project is going to be re-sold quickly or it is a For-sale property such condos or SFR lots, etc.
So, when you do the math a Hard Money loan may not be that expensive or unreasonable.
Hard money loans are available for almost all property types except Adult Entertainment.
At Access Capital, our minimum hard money loan should be in excess of $500,000.
To apply for a hard money loan, click
HERE
STATED INCOME / STATED ASSET
LET'S GET REAL...Sometimes a particular property just doesn't meet conforming or non-conforming guidelines
due to the verifiable income and you, the Borrower, may not have sufficient personal cash flow to incurr the
new mortgage. This is typical with owner occupied real estate. You and I
both know that many business owners will take as many tax write-offs as possible to show the least amount of
taxable income. This is a good, diligent practice but is not helpful when it comes to refinancing or selling
the real estate. THE SOLUTION...a Stated Income/ Stated Asset Loan!
At Access Capital, our minimum stated income /stated asset (SISA) loan amount starts at $500,000.
To apply for a stated income /stated asset (SISA) loan, click
HERE
|
|
