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Commercial
Real Estate
Commercial Real Estate Loan Types We Facilitate
Permanent Loans
Designed for investors seeking a simple financing solution for purchase or refinance, with the flexibility to remain in the loan for up to 30 years.
Stated Income Loans
Stated income loans provide a flexible option for borrowers that traditionally do not qualify for bank financing, and do not require exceptional credit scores, income verification, or tax returns.
Construction Loans
Provided for the ground up construction or major renovation of a property. Money is paid out to borrowers incrementally in the form of draws as work is completed during the various stages of construction.
Cash-Out Refinance
Allows access to cash by refinancing a current loan for a higher amount.
Commercial Bridge Loans
Loans that provide borrowers a short term loan until permanent financing becomes available.
Mezzanine Financing
Hybrid debt and equity financing that allows the lender convert to equity-interest in a property if the loan is not repaid in full.
Small Business Administration (SBA) loans
The federal Small Business Administration guarantees bank loans that are structured to meet SBA requirements. The 7(a) program is typically utilized for starting, acquiring and expanding businesses. The 504 program facilitates long-term, fixed-rate mortgages for fixed assets - usually buildings, land and machinery. These loans are often more favorable that conventional bank financing.
Blanket Loans
Mortgage loans secured by multiple properties as collateral.
Construction Completion Loans
A loan to cover cost overruns of a project. Banks will lend a set amount for the construction budget, and borrowers are required to pay for or finance additional costs not originally allocated for. In the event the borrower experiences a cash shortfall, construction completion loans cover the difference.
Rehab Fix & Flip Loans
Short term loans for investors to purchase and renovate a property before selling it for a profit. Typically provides up to 90% of the purchase price, 100% of the renovation costs, and 70% of the after-repair value.
Equity Line of Credit
A credit line for property owners to borrow against the owner's available equity in a commercial property, as needed. There is typically a fixed period of time for the borrower to draw on the loan, after which it converts to a term loan.
Hard-Money Loans
Financing for hard-to-fund projects or short-term purposes provided b hard-money lenders thar generally give more consideration to the value of the property, or collateral, than to credit history of the borrower. Loan-to-value ratios are typically less than 75 percent.
Long-Term Commercial Mortgages
Standard commercial real estate loans from a banks or private lenders that provide broader use and terms rarely exceeding 20 years. Rates can be fixed or variable and typically fall between 5 and 7 percent.
Interest-Only Loans
Interest-only loans provide borrowers a low monthly payment where only the interest is paid for some or all of the term of the loan. At the end of the term, typically 1 to 7 years, the principle loan amount will be due.
Preferred Equity
Preferred equity investments take a junior position to the first mortgage, but are in a senior position to the sponsor’s equity investment, which is also called common equity. Preferred equity carries a higher degree of risk and often requires a higher rate of return than the interest rate of the first mortgage due to being in second position.
Joint Venture Equity
Investments structured as a partnership where the capital member provides financing for the majority of the project, and the operating partner utilizes their real estate expertise to ideally acquire, develop, and manage a well-positioned commercial real estate project.
HUD 221(d)(4) and 223(f) Loans
Long term financing for the acquisition, refinance, new construction and substantial rehabilitation of market rate apartment buildings nationwide.
HUD 232 and 232/223(f) Loans
Long term financing for the acquisition, refinance, new construction and substantial rehabilitation of assisted living, memory care, skilled nursing, and independent living facilities throughout the country.
Small Balance Commercial Loans
These are often referred to as 'story' loans as there may be particular circumstances that prevent a borrower from securing traditional bank financing. These loans are relatively easier to get closed due to streamlines underwriting guidelines.
Cannabis Loans
Hard money loans on cannabis property investments for purchasing and leasing industrial buildings to cultivators and producers.
Airbnb Property Loans
Hard money loans to purchase and renovate properties with great potential for the short-term rental market.
Equity Participation
Provides an additional capital injection required above the loan amount up to 100%.
Rental Loans
Long-term financing for single family residential properties or portfolios.
Conventional Fixed Rate Mortgages (FRM)
Features a constant interest rate for the life of the loan with terms generally range from 10 years, 15 years, 30 years and 40 years.
Adjustable Rate Mortgages (ARM)
Loans where the interest rate is recalculated on a yearly basis depending on market values
Fix to Rent Loans
Provides an interest only fix and flip loan to finance the purchase and repairs and then allows the convenient option of rolling into a 30-Year rental loan.
Some of the programs we offer
The A+ Program
The A+ program is designed for small business owners and property investors with good credit and solid financials who are unable to obtain bank financing.
- Rate starting at 5.25%
- Loan amounts from $125,000 to $1.5 million
- Standard loan terms: Fixed rate terms of 1, 3 or 5 years with 15-year maturity
- Top Tier loan term: Hybrid fixed for 3 or 5 years, then adjusts monthly; 30-year amortization with 10-year maturity
- Max LTV of 65% - varies by property type
- 5, 4, 3, 2, 1 declining
- 3, 2, 1 declining
- 5, 3 declining
- Minimum credit of 700+
- Collateral: Multifamily, Mixed use, Professional office space, Retail store- strip/free standing (case by case basis), *Office Warehouse (case by case basis)
Small Balance Real Estate
Streamlined stated income and full documentation mortgages for commercial and residential property (no personal residences). Low credit, back taxes, a past bankruptcy or foreclosure, low occupancy, and other issues can be considered. Purchase, refinance, renovation, and cash-out loans are available nationwide.
- We are a Direct Lender
- No Tax Returns Required
- $200,000 to $15,000,000
- Rates Start at 5.75%
- 1, 3, 5, 7 & 30 Years Fixed
- Interest Only Available
- No Credit Score Minimum
- Up To 90% LTV
- Foreign National Loans
- Non-Profit Loans
- Close in 2 to 4 Weeks
- No Upfront Fees
- No Upfront Credit Check
- 1 to 4 unit residential, vacation rentals, multifamily, mixed-use, office, retail, warehouse, industrial, mobile home parks, self-storage, auto-service, auto-dealers, daycare, restaurants, nightclubs, bars, hotels, motels, assisted living, adult living, memory care, rooming houses, car washes, wineries, entertainment centers, etc.
Subprime SBA
If you want to take advantage of low rate SBA financing, but have been turned down by other conforming lenders—you’ve come to the right place! We’ve closed almost $200 million of SBA loans for business owners with poor credit, limited collateral, low cash-flow, a past bankruptcy or foreclosure, a unique business, special-purpose property, or other issues.
- $30,000 to $20,000,000+
- Rates Start at 6.5%
- Monthly Payments
- No Prepay Penalty Options
- 10 to 25 Years Amortized
- 550 Credit Minimum
- Most Businesses Considered
- Debt/MCA Consolidation
- Unrestricted Working Capital
- 1 Year Min. Time in Business
- Up to 200% Loan-to-Value
- Nationwide Program
- No or Low Collateral
- Funds can be used for any business purpose such as to purchase, or construct real estate, buy equipment or a business, for working capital, to refinance debt, or consolidate merchant cash advances.
- You pay $0 until loan commitment and your credit won’t be affected
Asset-Based Bridge Loan
Our bridge loan program is our most popular loan product due to it's flexibility; mainly due to having no minimum credit score. Aside from no minimum credit score, there are additional benefits such as no prepayment penalty, flexible underwriting guidelines, and monthly interest-only payments to keep payments low.
Like all of our loan programs, applying for our Bridge Loan does not have any minimum time in business requirement, no minimum monthly revenues, and absolutely zero income documentation; a true asset-based loan.
- Single Family, Condo, Townhouse, 2-4 Units
- Min. Loan: $100,000
- Max. Loan: $2,500,000
- Term: 24-months
- Rates: 7.75%+
- Payment: Interest-Only
- Frequency: Monthly
- Qualification
- No minimum credit score
- No minimum time in business
- No income verification
- Property must be residential
- Can't be primary residence
- Property can be vacant
Residential Real Estate Secured Business Loan
The Secured Business Loan program for residential real estate is ideal for those who plan on holding an investment property for the foreseeable future since it comes with a stable, fully-amortized, 30-year term.
The Secured Business Loan for residential real estate program also has additional benefits such as the ability to minimize your prepayment penalty, flexible underwriting guidelines, and monthly principal & interest payments which helps decrease your loan balance each and every month.
Like all of our loan programs, applying for a Secured Business Loan does not have any minimum time in business requirement, no minimum monthly revenues, and absolutely zero income documentation.
- For rental properties
- Single Family, Condo, Townhouse, 2-4 Units
- Min. Loan: $100,000
- Max. Loan: $3,000,000
- Term: 30-years
- Rates: 5.49%+
- Payment: Principal & Interest
- Frequency: Monthly
- Qualification
- 620+ credit score
- No minimum time in business
- No income verification
- Property must be residential
- Can't be primary residence
- Property cannot be vacant
Commercial Real Estate Secured Business Loan
Secured business loans on commercial real estate such as multifamily, mixed-use, office, and retail properties. These properties can be owner-user, or rented out to tenants. If rented to tenants please keep in mind that we require a minimum 70% occupancy rate; in other words 70% of the units (or more) must be occupied by tenants.
Commercial Loans are offered with a 30-year term, fixed-rates are available, which allows for predictable payments.
Like all of our loan programs, applying for our Commercial Loans does not have any minimum time in business requirement, no minimum monthly revenues, and absolutely zero income documentation; making it a great alternative to SBA or bank financing.
- Loan Basics
- Min. Loan: $100,000
- Max. Loan: $6,000,000
- Term: 30-years
- Rates: 5.74%+
- Payment: Principal & Interest
- Frequency: Monthly
- Qualification
- 620+ credit score
- No minimum time in business
- No income verification
- Eligible property types include Multifamily, Mixed-Use, Office, and Retail.
Commercial Real Estate Secured Business Loan
Secured business loans on commercial real estate such as multifamily, mixed-use, office, and retail properties. These properties can be owner-user, or rented out to tenants. If rented to tenants please keep in mind that we require a minimum 70% occupancy rate; in other words 70% of the units (or more) must be occupied by tenants.
Commercial Loans are offered with a 30-year term, fixed-rates are available, which allows for predictable payments.
Like all of our loan programs, applying for our Commercial Loans does not have any minimum time in business requirement, no minimum monthly revenues, and absolutely zero income documentation; making it a great alternative to SBA or bank financing.
- Up to 92% LTC
- 4.99% to 7.99% rate
- No monthly payments (14 months)
- Same day draws possible
- Limited recourse available
- Spec
- Pre-Sales
- Model Homes
- Build-to-Rent
- Houses, Townhouses, 2-4 Unit, and 5+ Unit
- Manufactured, Modular, and More
Sources of Capital
- Direct Private Lenders
- Commercial Banks
- Hedge Funds
- Credit Unions
- Real Estate Investment Trusts
- Individual High Net Worth Investors
- Life Insurance Companies
- Finance Companies
- Opportunity Funds
- Hard Money Lenders
- Private Mortgage Lenders
- Direct Equity/Debt Lenders
- Family Offices
- Balance Sheet Lenders
- Non-Bank Direct Lenders
Clients
- Builders
- Developers
- Principals
- Buy and Hold Investors
- Business Owners
- Foreign Nationals
- Individuals
- Corporations
- Trusts
- IRAs
- LLCs
Property Types
- Healthcare
- Affordable Housing
- Apartments
- Condos
- Office
- Retail
- Mixed Use
- Warehouses
- Industrial
- Hotels and Resorts
- Land
- Multifamily
- Cannabis
- Construction
- Fix and Flip
- Airbnb Properties
- Distressed Properties
- Self-Storage
- Single Tenant
- Student Housing
- Gas Stations
- Churches
- Vacation Rentals
- 1-4 Unit Investment Properties
- RV Parks
- Auto Salvage
Niche Scenarios
- Large Construction Projects (up to $20 Billion)
- Time-Sensitive Deals
- Endangered Deals
- Buying or Refinancing REOs
- Short Sales
- Distressed Properties
- Borrower Bankruptcies
- Borrower Foreclosure
- Borrower Tax Liens
- Borrower Judgements
- Non-Stabilized Properties
- No Cash Flow
- No Appraisal Required
- No DCSR Requirement
- Interest Reserve
- Earn Outs
- Rehab Draws
- No Minimum Title Seasoning
- Quick-Sale Collateral
- Distressed Debt
- Discounted Payoffs
- Purchase of Notes
- Non-Performing Land Loans
- Real Estate Wholesaling
- Spec Development Allowed
- Interest Reserves Can Be Built In
Additional Property Types
- Refineries
- Solar Farms
- Wind farms
- Power Plants
- Green Energy Projects
- Data Centers
- Condo Projects
- Hospitality
- Stadiums
- Arenas
- Concert Halls
- Office Towers
- Marinas
- Daycare Centers
Transaction Types- Acquisition
- Refinance
- Rehab / Renovation
- Value-Add
- Condo Inventory
- Partner Buyout
- Lease-Up
- Cash Out
- Construction
- Construction Take-Out
- Bridge To Sale
- Various Other Situations
Ready to qualify for a Commercial Real Estate Loan?
Call us today at 978.417.9325
Headquarters
Hub Financing, LLC
25L Inn Street
Newburyport, MA. 01950
Monday - Friday
8am - 6pm EST
Phone: (978) 417-9325
chris@
Who We Are
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Hub Financing, LLC is a lead generation and validation corporation. All clients of Hub Financing, LLC are funded through a licensed direct lender, creditor, bank, brokerage, or loan originator. Hub Financing, LLC does not originate loans, process or facilitate credit repair or credit restoration services. All financial, loan, and credit recommendations given by Hub Financing, LLC are free of charge and recommendations only. Hub Financing, LLC does not provide any legal or tax advice.