Business and specialty
Non-traditional business. Traditional closing speed.
If your income statement confuses a bank, it does not confuse us. We secure the loan against real estate and read the asset first.
Who it's for
For owners the banks send away
- Self-employed and 1099 owners with non-traditional income
- Entertainment industry income that arrives in bursts
- Cannabis-related businesses financing real estate and business property
- Holding companies, trusts and entity borrowers
Cannabis-related requests are reviewed as real estate and business property transactions only, based on the property, the equity and the exit.
What we look at
The property
The real estate collateral, its use, condition and value.
The equity
Down payment or equity position and the liens ahead of us.
The exit
Refinance, sale or business event that pays the loan off.
Stated income
Income that doesn't fit a box. We get it.
On business-purpose and investment property loans, we offer stated income options. Owner-occupied loans require income documentation, and we accept alternatives like bank statements.
Explore stated income loansStated income options available for business-purpose and investment loans only. All loans subject to underwriting and property evaluation. Not all applicants will qualify.
Program highlights
$150K–$5M
Loan range
Up to 65%
Max LTV
10 days
Average close
Subject to underwriting and property evaluation. Not all applicants will qualify.
Questions
Straight answers
Do you need tax returns?
Often no. We underwrite the property and the equity. Tell us your situation and we will tell you what we need.
Can an entity be the borrower?
Yes. LLCs, corporations and trusts are common borrowers on business purpose loans.
Do you lend to cannabis-related businesses?
We consider real estate secured requests from cannabis-related businesses, subject to underwriting and property evaluation.
How fast do I hear back?
Get your terms in 24 hours.
Do you offer stated income loans?
Yes, on business-purpose and investment property loans. Owner-occupied loans require income documentation, and we accept alternatives like bank statements.
Can I qualify with a past bankruptcy or low credit score?
Often, yes. We focus on the property, your equity, and your exit plan. Every file is reviewed individually and approval is not guaranteed.
Who makes the decision on my loan?
Our in-house underwriting team. No outside committees.
Move now
Deadline coming? Let's move.
Tell us the deal today. Get your terms in 24 hours.
Subject to underwriting and property evaluation. Not all applicants will qualify.