Property Financing
Home
Property Financing
Property Loans – Streamlined
01.
How funding works
-
Equity in an owned property is used as collateral to secure funds for general business purposes
-
The property you intend to purchase is used as collateral to obtain financing for its acquisition
02.
Rates are based on
-
The type of property and loan duration
-
The amount borrowed relative to property value
-
Your business and personal credit history
03.
Ask Yourself
-
Do you currently hold ownership of any business-use real estate?
-
Are you planning to acquire a new commercial building or site?
-
Is the property generating rental income or business revenue?
-
Does the property already have a mortgage or lien against it?
-
What is the total number of usable units or spaces on-site?
04.
Required Documents
-
Business profit and loss reports (P&L) for current year
-
Property valuation via recent appraisal or broker’s estimate
-
Federal business tax filings for the past three full years
-
Updated personal net worth summary dated within 60 days
-
Updated personal net worth summary dated within 60 days
05.
Good to Know
-
Property financing is limited to properties generating consistent income
-
Leasing to tenants is the most typical way for a property to earn revenue
-
Properties hosting both business operations and tenants are called mixed-use
Learn more about our property financing options:
-
Our real estate financing professionals will walk you through every step of the loan process and get you the most favorable terms for your commercial mortgage needs.
-
Our mortgage experts and commercial underwriters will identify the right solution for your small business needs. Options include:
-
Fixed rate loans — the most common financing solution to take on real estate. These mortgages have a fixed interest rate and payment for the full life of the loan.
-
Construction loans — provides the capital necessary to cover construction costs for a real estate project.
-
Bridge loans — a higher interest rate, short-term loan that serves as a source of capital until a person or company secures permanent funding.
-
Mezzanine loans — a high return option that helps a business increase its cash flow and show a higher bottom-line profit.
-
Land loans — used to finance the purchase of a plot of land or vacant lot.
-
Agency loans — loans issued by Fannie Mae, Freddie Mac, or Ginnie Mae (the three government-backed agencies that guarantee mortgages).
-
Preferred equity — alternative financing option that represents an unsecured ownership interest in the company.
-
Commercial mortgage-backed securities (CMBS) — fixed-income investments backed by mortgages on commercial properties rather than residential real estate.
-
Success Stories
Discover how businesses have achieved remarkable growth and financial stability with the support of Stellar Advance Group.
Stellar Advance Group has been instrumental in helping us secure the funding needed to expand our operations. Their dedication to our success is truly commendable.
Emily Robertson
Ready to Grow Your Business?
Connect with our financial experts to explore the best funding options for your business today.