COMMERCIAL REAL ESTATE LOANS
Stated Income │ Full-Doc │ Bridge │ Hard Money
Most commercial property considered
Multiple loan programs available.
Rates starting at 8.75%
$100k - $15M, close in 3-4 weeks!
Commercial Real Estate Loan Programs
FundingPilot is proud to offer real estate investors, like you, some of the most dynamic commercial loan programs available. Whether you're looking to purchase a commercial property, want to lower your payment by refinancing, or are in need to cash-out by tapping into your properties equity, we have the perfect loan program to meet your commercial real estate lending needs. There are four main commercial real estate loan programs; a Stated Income Loan which bypasses income verification but still comes with a 30-year term, the Full-Doc Loan which requires full documentation (tax returns, bank statements, etc) but offers extremely low rates with great terms, a Bridge Loan which offers no credit check and comes with terms up to 2-years, and lastly our Hard Money Loan which focuses solely on the asset (your property) offering true flexibility with regards to underwriting. All of our commercial loan programs offer a "makes sense" approach, undergo human underwriting (no algorithms), and is perfect for real estate investors both big and small, seasoned or first-time.
ELIGIBLE PROPERTY TYPES:
Multifamily (5+ units), Mixed-Use, Retail, Office
Please see below for an overview of each of Commercial Real Estate Loan Programs. See a loan program that looks like a good fit? Applying online only takes a few minutes!
Stated Income Loans are a great options for borrowers looking to avoid income documentation or verification, but still seeking an extended 30-year term. Bank statements are generally not required for refinance transactions, however, purchase transactions will require proof of funds to close.
LOANS:
RATES:
TERMS:
LTV:
FICO:
$100k - $5M
8.75%+
30 years
≤ 75%
600+
Loan Application
Credit Report
Photo ID
AL, AK, AR, CO, CT, DE, DC, FL, GA, HI, ID, IN, IA, KS, KY, LA, ME, MD, MA, MS, MO, MT, NE, NH, NJ, NM, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WV, WI, WY
Full-Doc Loans offer commercial real estate investors the largest amount of funding with the lowest rates available. Just like the name of the program, this loan will require full-documentation such as tax returns and a personal financial statement (PFS). Additionally, commercial properties should have stable cash-flow and be located in or near a major metropolitan area.
***As of 1/18/24 were are no longer offering this program for commercial properties, please check out our Stated Income Loan for commercial real estate funding.***
LOANS:
RATES:
TERMS:
LTV:
FICO:
$2M - $15M
7.99%+
25-30 years
≤ 75%
700+
Loan Application
Credit Report
Photo ID
Rent Roll
Operating Statements
AL, AR, CO, CT, DE, DC, FL, GA, IN, IA, KS, KY, LA, MD, MA, MS, MO, NE, NH, NJ, NM, NY, NC, OH, OK, PA, RI, SC, TN, TX, VA, WA, WI
Bridge Loans are a great first-look for commercial real estate investor seeking short-term financing (up to 3 years) and low interest-only payments to "bridge the gap" for investors.
LOANS:
RATES:
TERMS:
LTV:
FICO:
$200k - $15M
12%+
12 Months
≤ 65%
No minimum
Loan Application
Credit Report
Photo ID
NJ, NY, CT, FL. All other states are considered on a case-by-case basis.
Hard Money Loans offer flexible qualifying guidelines being that there's no income documentation couple with being credit score friendly with no minimum credit score requirement. Payments are also kept lower since the Hard Money Loan program offers interest-only payments. Ultimately, a Hard Money Loan is perfect for real estate investors seeking short-term financing.
LOANS:
RATES:
TERMS:
LTV:
FICO:
$200k - $15M
12%+
12-24 Months
≤ 65%
No minimum
Loan Application
Credit Report
Photo ID
NJ, NY, CT, FL. All other states are considered on a case-by-case basis.
Here at FundingPilot we make sure to go above and beyond the traditional commercial lending criteria. We have unique commercial real estate lending programs, which gives you immediate access to the capital you need. We provide a fast, easy, and efficient funding process so that real estate investors, like you, can focus on the most important thing...growing your business.
We treat you like a partner, not just a customer, and will handle your commercial real estate lending requests with the utmost respect and confidentiality. We take great pride in learning and understanding the needs of your business, which is why we are constantly striving to provide the best quality service. Please take a few minutes to explore our website and give us a call to obtain all of the information you need to make an informed decision.
What to expect...
What to expect...
FLEXIBILITY. No more needing to go from bank to bank trying to find commercial real estate loans, we cover it all. Whether your credit is strong or poor we have commercial real estate lending programs to meet your capital needs.
SPEED. We save you lots of time when looking for a commercial real estate loan. You answer a few questions and we show you your options. We make getting a real estate loan simple and fast.
FOCUS. We're 100% focused on commercial real estate investors like yourself. We deliver results nationwide and have funding specialists available 6 days per week.
TRUST. We take care of you every step of the way. Our commercial real estate lending advisors believe in your business and care about your success. It’s an experience you’ll tell your friends about, guaranteed! Did we mention our A+ rating with the Better Business Bureau?
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Small Business Lines of Credit
Unsecured Business Lines of Credit
Startup Business Lines of Credit
Real Estatate Investor Lines of Credit
Working Capital Business Lines of Credit
Lines of Credit for Bad Credit
Business Loans using Real Estate
Business Loans using Equipment
Working Capital Business Loans
Business Loans with No Credit Check
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