Debt-to-Income
Our small-balance DTI commercial loans focus on loan requests from $100,000 to $1.5 million. Our flexible full-document, or stated income/asset approach provides a needed alternative for the small business owner and commercial real estate investors.

Permanent Fixed-Rates
For borrowers who wish to lock in a fixed-rate for an extended time period. Terms generally range from three to 25 years. Amortization typically runs up to 25 to 30 years. Fully amortizing structures are available.

Floating –Rates
For borrowers who are seeking short/medium terms financing on stabilized properties. Terms vary widely. Rates are based on LIBOR Floating Rates.

Mini-Perms
For borrowers who are in need of a short-term financing solution. A developer may use this solution until being able to access long-term financing or a permanent financing solution.

Interim
For borrowers who require short-term interim financing with limited recourse for properties that are not yet ready for permanent financing.

Mezzanine
For borrowers who are looking for financing for suited for properties facing risks such as redevelopment, rehabilitation or repositioning.

Forward Commitments
Forward Commitment terms are typically for a three to 18 month forward period, with fees up front or as a rate add-on. Forward commitments are suited for borrowers who need to lock in an interest rate for a funding more than 90 days out.

Construction-to-Permanent
Construction-to-Permanent loans are available for a wide variety of property types, with emphasis on Multi-family properties and Affordable Housing.

Acquisition / Bridge / Rehabilitation
Structured loans for bridge financing and for rehabilitation / repositioning purposes
include two to three year loans floating over LIBOR. They can be Interest only,
Non-recourse to a single purpose entities, or Pre-payable.