Commercial Lending Products
Commercial Real Estate Lending
- Multifamily (5+ Units) – Apartments, student housing, senior living, and co-living spaces.
- Retail – Shopping centers, strip malls, and standalone stores.
- Office Buildings – Class A, B, and C office spaces, medical offices, and coworking spaces.
- Hospitality – Hotels, motels, and resorts.
- Mixed-Use – Properties with residential and commercial components.
- Self-Storage – Mini-storage, boat & RV storage, and climate-controlled facilities.
- Special Purpose – Gas stations, car washes, entertainment venues, and more.
- Residential Assisted Living (RAL) – Facilities designed for senior and specialty care.
- SBA 7(a) & SBA 504 Loans – Ideal for owner-occupied properties and business expansion.
- Construction Loans – Financing for ground-up developments and major renovations.
- Fix & Flip Loans – Short-term funding for commercial real estate investors
- Mezzanine & Preferred Equity Financing – Additional capital to fill funding gaps.
FHA 221(d)(4) – Multifamily Construction & Refinance and The HUD LEAN Program
Government-backed financing for ground-up and rehab multifamily projects.
Program Highlights:
- Up to 90% Loan-to-Cost (LTC)
- 40-year fixed rate, fully amortizing
- Non-recourse structure
- Interest-only during construction
- Eligible for market-rate, affordable, or mixed-income housing
HUD LEAN – Assisted Living, Memory Care, Skilled Nursing
Government-backed financing for licensed senior care facilities.
Program Highlights:
* Up to 85% Loan-to-Value (LTV) for existing facilities
* Up to 90% Loan-to-Cost (LTC) for new construction
* 40-year fixed rate, fully amortizing (no balloon)
* Non-recourse financing with HUD-insured backing
* Interest-only during construction phase
* Available for:
• Assisted Living
• Memory Care
• Skilled Nursing Facilities (SNF)
* Must be licensed and compliant with state regulations
* Operator experience and strong financials required
* Can be used for refinance, acquisition, or ground-up development
Commercial Farm and Ag
- Row Crop Farms – Corn, wheat, soybeans, cotton, and other row crops.
- Livestock Operations – Cattle, dairy, poultry, swine, and equine facilities.
- Vineyards & Wineries – Land acquisition, production facilities, and expansion.
- Orchards & Groves – Citrus, nuts, apples, and other tree crops.
- Timberland & Forestry – Managed timberland and sustainable forestry investments.
- Greenhouses & Nurseries – Controlled-environment agriculture and horticulture operations.
- Hydroponic & Vertical Farms – Innovative, high-yield growing operations.
- Specialty Farms – Hemp, organic farms, aquaculture, and niche agricultural ventures.
- Ranches & Recreational Land – Large land tracts for cattle, hunting, and conservation.
- Irrigated & Dryland Farms – Financing for both high-yield irrigated farms and dryland operations.
- Agribusiness Facilities – Grain elevators, feedlots, processing plants, and storage facilities.
- USDA Farm Loans – Government-backed financing for land, equipment, and expansion.
- Farm Real Estate Loans – Long-term financing for farmland acquisition and improvements.
- Operating Lines of Credit – Flexible funding for seed, feed, fertilizer, and operational costs.
- Equipment Loans & Leasing – Financing for tractors, combines, irrigation systems, and more.
- Agri-Business Loans – Capital for processing plants, co-ops, and agribusiness expansion.
- Rural Development Loans – USDA-backed loans for rural property development and infrastructure.
- Hard Money & Bridge Loans – Short-term financing for rapid acquisitions and transitions.
- FSA Guaranteed Loans – Loans for beginning farmers and expanding operations.
- Agricultural Construction Loans – Funding for barns, storage facilities, and farm buildings.
- Hobby Farm & Rural Land Loans – Financing for small-scale farms and rural homesteads.
- Factoring & Ag Supply Chain Financing – Invoice factoring for farm supply chains and agribusinesses.