Apply for a Commercial Real Estate Loan
Complete a quick online form to begin your application. Our team will review your details and guide you every step of the way
LOAN PROGRAMS OVERVIEW & COMPARISON
Match Your Deal to the Right Capital
Commercial Real Estate Loan Programs
A full suite of commercial real estate loans designed to match your project
Loan Comparison Table
A side-by-side view of what changes most between programs — speed, structure, and the level of documentation you’ll typically need
| Details | SBA 504 | Bridge | Construction | Conventional Term |
|---|---|---|---|---|
|
Best for |
Owner-occupied CRE |
Transitional/value-add deals |
Ground-up/major rehab |
Stabilized income assets |
|
Term |
2 parts: Up to 10 years, Up to 25 years |
Up to 3 Years |
Up to 3 Years |
Up to 10 Years |
|
LTV |
Up to 90% total |
Up to 75% |
Up to 75% |
Up to 75% |
|
Loan amount |
Up to $20MM total |
$5MM – $30MM |
$5MM – $30MM |
$1MM – $15MM |
|
Rate type |
Mixed: fixed + lender set |
SOFR-based floating |
SOFR-based floating |
CMT-based resets |
|
Loan purpose |
Acquire / refinance |
Acquire / refinance / stabilize |
Build / renovate |
Acquire / refinance / buyout / upgrade |
|
Eligible property |
Wide asset types, owner-occupied focus |
Wide asset types |
Franchised hospitality |
Wide asset types |
|
Common decision drivers |
Leverage + stability |
Timeline + flexibility |
Project phase + budget |
Cash flow + long hold |
Which Loan Is Right for Me?
Not sure where to start? Pick the scenario that matches your deal.
You can submit a request and confirm fit during review — this page isn’t a commitment to lend
- SBA 504 Loan For buying an owner-occupied property
- Bridge Loan For fast closings on value-add deals
- Construction Loan For ground-up hotel or conversion
- Conventional Term For stabilized income properties
- Conventional Term For partner buyouts on stabilized properties
A Streamlined Process from Application to Funding
We make financing simple, transparent, and fast
Step 1
Submit Application
Submit your application with pre-qualification documents. We’ll review and issue a soft quote within 1 business day
Step 2
Review
We review initial documents and confirm loan structure and key terms. If the deal meets criteria, we issue a Letter of Intent with proposed terms
Step 3
Approval & Terms
We complete underwriting and order third-party reports as needed. Credit team issues final approval when complete (timing can vary)
Step 4
Closing & Funding
We prepare final loan documents, open escrow, and coordinate closing. Funds are released once closing requirements are met
Speed Up Your Approval
Whether you're applying directly or submitting a deal as a broker, these steps can significantly reduce your timeline and help us move quickly through underwriting
Prepare Documentation Upfront
Gather key documents early: financials, tax returns, rent roll/operating statements, and property/deal details to reduce follow-ups
Respond Quickly to Requests
Check for messages from your Relationship Manager and respond within 24–48 hours. Keep one primary point of contact
Be Proactive About Potential Issues
Share potential concerns early (title/liens, zoning, environmental, compliance) and flag any deal changes right away. Add a brief note if financials are unusual
Set Realistic Expectations
Typical timelines are 6–10 weeks, but vary by deal and document readiness. Third-party reports often take the longest. Plan accordingly
Our team
Our team has a longstanding history of solving complex problems
Sanat Patel
Chief Lending Officer
Steven Ellsworth
EVP of Portfolio Management
Christyna Lane
VP, Business Development
Viktor Hristov
VP, Business Development
Kristine Sanchez
VP, Business Development