A full suite of commercial real estate loans designed to match your project
We look at the story the numbers tell — property performance, obligations, and sponsorship strength
Cash Flow and Trends
How the property or business has performed over time, including recent trailing results
Leverage and Existing Debt
Current obligations and how they fit with the requested financing
Income Quality
Stability of revenue (for example, leases, occupancy, or hospitality performance where applicable)
Liquidity and Net Worth
The strength of the guarantor(s) and their ability to support the transaction
Business Purpose and Use of Proceeds
Acquisition, refinance, construction, conversion, or improvements
Start with the documents below for an initial review. Some items are only required in certain scenarios (e.g., hotels or refinances)
| Category | Documents |
|---|---|
| At Application | |
|
Overview |
|
| During Prescreen | |
|
Overview |
Offering Memorandum / Executive Summary |
|
Ownership & Guarantors |
Organizational chart (required to issue a Letter of Intent) |
|
Business / property financial info |
|
|
Personal info (for each guarantor) |
|
|
Refinance information (if applicable) |
|
|
Property Improvements (if any) |
Scope of work and budget for planned improvements |
Entity and ownership documentation (e.g., formation documents, authorizing resolutions)
Insurance evidence and third-party reports (e.g., property insurance, flood info where applicable)
Property condition and environmental items (e.g., inspections or assessments where applicable)
Appraisal-related materials or property details needed for valuation
Closing deliverables (e.g., wiring instructions, payoff letters for refinance transactions)
We make financing simple, transparent, and fast
Step 1
Submit your application with pre-qualification documents. We’ll review and issue a soft quote within 1 business day
Step 2
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
We complete underwriting and order third-party reports as needed. Credit team issues final approval when complete (timing can vary)
Step 4
We prepare final loan documents, open escrow, and coordinate closing. Funds are released once closing requirements are met
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 has a longstanding history of solving complex problems
Chief Lending Officer
EVP of Portfolio Management
VP, Business Development
VP, Business Development
VP, Business Development
