Commercial Real Estate Loans

Capital Business Solutions understands the commercial real estate loan business. Our well-capitalized investors focus on funding and actively managing portfolios nationwide. We view underwriting with a common sense approach and our capital partners fund loans in the under-served niche between banks & hard money lenders. We understand that borrowers need flexible options and we’re proud to offer our unique solutions.

We offer creative loan products on a wide variety of commercial property types.

Small Balance Loan Programs

Loan Amounts $75,000–$1,500,000
Loan Purpose Purchase/Refinance (rate/term/cash-out)
Property Types
  • Class I: Multifamily (5+ units) and mixed-use
  • Class II: Office, retail, warehouse, self-storage and automotive services
Debt Coverage Ratio
  • Class I: 1.20
  • Class II: 1.25
LTV
  • Class I: 70%
  • Class II: 65%
Fixed Period 3 & 5 year options
Minimum FICO 650 Middle Score
Pricing Rates starting a low as 6.99%
Term 30 year fully amortizing/30 year loan
Prepayment Penalty Equal to the fixed period
Our Advantage
  • Simple loan documents
  • No loan committees
  • Common sense underwriting
  • Permanent financing, NO balloons
  • Quick Closings: 30–45 days!

Commercial Mortgage-Backed Security Programs

Loan Amount $1,000,000 minimum
Loan Term 3, 5, 7 or 10 years
Amortization Up to 30 years
Minimum DSC 1.20
Maximum LTV 90%
Interest Rate Fixed and adjustable rate options on an Actual/360 basis
Eligible Property Nationally located apartments, office retail hospitality, industrial. No land development or special use projects. Multifamily: garden style, mid and high rise, detached or attached projects with five or more units. Retail: anchored or unanchored retail projects. Office: Class A, B or C located in central business districts or suburbs. Industrial: single tenant and multi-tenant facilities. Self Storage: self storage and mini-storage facilities with a minimum of 50 units.
Eligible Borrower Single asset special purpose entity
Tax and Insurance Escrows Monthly deposits required
Replacement Reserves Monthly deposits required
Recourse Non-recourse with standard exemptions for fraud and misrepresentation
Required Reports Narrative MAI Appraisal, Property Condition Assessment and Phase I Environmental
Prepayment Limited prepayability, including partial lockouts, defeasance or yield maintenance
Assumable Subject to approval and fee
Subordinate Financing Mezzanine/Preferred Equity allowed subject to approval
Rate Lock Early lock options available
Application Deposit covers estimated transaction costs (including Processing Fee)
Origination Fee Par pricing available
Closing Deposit 1% of loan amount due at commitment acceptance. Refunded at closing less legal fees.

Bridge Loan Programs

Loan Amount Generally $2,000,000 minimum; no maximum
Loan Term Generally 1 to 5 years. Extension options available.
Amortization Interest only or fixed principal paydowns
Minimum DSC 1.10 “As-Is”; 1.20–1.25 at Exit
Maximum LTV 90% “As-Is”; 75%–80% at Exit
Interest Rate Floating rate over LIBOR Index. Spread varies based on risk and terms.
Eligible Property Nationally located apartments, office retail hospitality, industrial. No land development or special use projects.
Eligible Borrower Single asset special purpose entity
Tax and Insurance Escrows Monthly deposits required
Replacement Reserves Monthly deposits required
Security First mortgage lien on subject property. Additional credit enhancement to be determined.
Required Reports Narrative MAI Appraisal, Property Condition Assessment and Phase I Environmental
Prepayment Generally permitted
Subordinate Financing Mezzanine financing may be provided by an approved 3rd party lender

Mezzanine Financing/Preferred Equity

Loan Amount Generally $2,000,000 minimum; no maximum
Loan Term Generally 1 to 5 years
Amortization Interest only or fixed principal paydowns
Minimum DSC 1.10
Maximum LTV 90%
Interest Rate Floating rate over LIBOR Index. Spread varies based on risk and terms.
Eligible Property Nationally located apartments, office retail hospitality, industrial. No land development or special use projects.
Eligible Borrower Single asset special purpose entity
Sponsorship Good overall credit with sufficient liquidity and demonstrated experience completing similar transactions.
Security Pledge of partnership by UCC or preferred equity position. Additional credit enhancement (recourse, other collateral, letter of credit or other guarantees) to be determined.
Required Reports Narrative MAI Appraisal, Property Condition Assessment and Phase I Environmental
Prepayment Generally permitted