Need Commercial Real Estate Financing? We Can Help.
The ability to secure sufficient financing quickly and efficiently is very important when you do business in commercial real estate. Fortunately, you can rely on the financial experts here at Private Client Capital Partners to put your financial needs seriously when you apply for commercial real estate financing. We’ll do everything we can to process your application quickly so you can access the funds you need for property acquisition, renovations, construction, or other commercial projects.
Your Financing Choices
When you look at our financing solutions portfolio, you’ll see that we have many different financial products for the commercial real estate industry. Here are a few of your top choices.
- Bridge Loans: Our bridge loans are great solutions when you need financing for just a few months. They offer interest-only amortization and competitive variable rates.
- HUD and FHA Lending: This program may be a good choice if you’re looking for financial support for real estate new construction, rehabilitation or other needs.
- Equity and Mezzanine Financing: You’ll appreciate how customized our equity and mezzanine financing programs can be. Our equity and mezzanine financing programs offer up to $100,000,000 and above.
- CMBS Loans: Our commercial mortgage-backed securities are different from our other loans. They are offered to investors in bond form after they’re securitized and put into a trust.
- SBA 7a and 504 Loans: These loan programs are perfect for hotels. Whether you deal primarily in flagged or non-flagged hotels, these programs are a great choice.
- Construction Financing: This type of financing provides permanent financial support for construction projects, as long as you’re experienced with equity. Based on your qualifications, you could get as much as $100,000,000 through this program.
- Conventional Programs: Our conventional programs are reliable and offer great rates.
- International Financing: You’ll love the flexibility of our international financing program. No matter where in the world your real estate endeavors take you, this program can help you make your international projects a success.
GET THE APPROVAL YOU NEED WITH A STATED INCOME COMMERCIAL REAL ESTATE LOAN
At Private Client Capital Partners, we believe in making the loan process as easy as possible. Even if you have been turned away or felt overwhelmed by previous commercial real estate applications, we can help. If you have been turned down because of your credit history or felt dejected because of the invasive application, our stated income commercial real estate loan program could be an ideal fit.
Critical Differences Between Conventional and Stated Income Loans
A traditional commercial real estate loan requires a lot of commitment and paperwork. Traditional lending channels have prohibitively high requirements, including extensive financial histories and budget projections. The history of the business and the owner will be investigated to ensure the lender is mitigating as much risk as possible. Because of all the hurdles borrowers must go through, traditional loan approval takes a significant amount of time.
A stated income loan is different. Instead of focusing on the borrower’s financials and business history, the lender is more interested in the property in question. As long as the value of the property can cover the taxes, insurance, and mortgage of the loan, the lender’s risks are minimized. The lender can approve these loans faster because they do not need to wade through mountains of documents and paperwork.
Advantages of Stated Income Loans
Since stated income commercial real estate loans focus more on the prospective property than the borrower’s credit rating, there are several advantages to the program. Some of the loan basics that make it so special include:
- Loan limits of up to $500,000
- Qualifying credit score of 600
- 25-year terms
- Fixed rates
- 65% to 75% LTV, depending on property type
- Funds available for debt consolidation, purchasing, and refinancing
- Require self-employment or W-2 documentation