Tell us about the opportunity.

This application can be used for commercial real estate purchases and refinances, cash-out requests, construction, equipment, business acquisitions, working capital, and other business-purpose financing. Your loan specialist will identify programs that may fit the request.

Timing depends on the loan type, property, requested amount, appraisal, title, environmental review, financial documentation, and lender. A straightforward request with complete documents can move faster, while construction or complex transactions generally require more review.

Common requests include business and personal tax returns, year-to-date financial statements, debt schedules, bank statements, leases or rent rolls, purchase contracts, property operating statements, entity documents, and information about each principal. Requirements vary by program.

The required equity depends on the property, occupancy, cash flow, borrower experience, credit profile, loan purpose, and program. Owner-occupied, investor, SBA, construction, and bridge loans can have different structures.

Debt service coverage ratio compares qualifying property or business cash flow with required debt payments. Lenders calculate it using their own income and expense assumptions, so the final lender calculation may differ from a borrower estimate.

Both structures are available. A loan may have a fixed rate, adjustable rate, interest-only period, rate reset, or balloon maturity. Final pricing and structure depend on the program and underwriting.

Some commercial loans have an amortization period that is longer than the loan term, leaving a balance due at maturity. Your final term sheet and loan documents will identify the maturity, amortization, and any remaining balance structure.

Possible costs include appraisal, environmental review, title, survey, legal, lender, underwriting, recording, inspection, and third-party report fees. Exact charges vary and will be disclosed for the selected program.

It depends on the program, ownership structure, collateral, leverage, and lender. Some loans require full or limited guarantees, while certain qualifying transactions may offer non-recourse structures with standard carve-outs.

Yes. Commercial refinancing may be used to replace maturing debt, change the rate or term, lower payments, fund improvements, consolidate eligible debt, or request cash out, subject to underwriting and available equity.

US Prime Lending can evaluate whether an SBA or conventional structure may fit. SBA 7(a) can support several business purposes, while SBA 504 is generally designed for eligible major fixed assets. Eligibility and permitted uses are program-specific.

Many real-estate-secured loans require a lender-approved valuation, and some properties require environmental review. The property type, loan amount, history, location, and lender policy determine which reports are needed.

No. An application starts the review and is not a commitment to lend. Approval and terms remain subject to verification, credit review, collateral, cash flow, valuation, program availability, and final underwriting.

The application authorizes review, but the timing and type of credit inquiry can vary. A hard inquiry may affect a credit score. Your loan specialist can explain the credit-review process before it is ordered.