Alliance Business Capital works with several different Commercial Real Estate Lenders to offer our borrowers and business partners a Commercial Loan Solution that works for the borrower.
The below loan programs are from one of the Lenders Alliance does business with and they required Real Estate as the collateral for the loan.
If you have any questions regarding any of our loan programs please feel free to contact us.
Thank you for allowing us the opportunity to assist you with your Commercial Real Estate Financing request.
General Guidelines
The following guidelines are intended to give you an idea of the lenders basic program guidelines and are not the complete underwriting criteria, furthermore they are subject to change at the discretion of the lender.
The AP 100 Loan Program was designed with the Small Business Owner and Commercial Real Estate Investor in mind. The Lender offers both fixed and adjustable rates on the A100 Loan Program.
| Minimum Loan Amount: | $75,000 |
| Maximum Loan Amount: | $1.5 Million Loans over $1 Million are only available in major MSA's |
| Rates: | Start at 8.75% Rates depend on property type, credit, loan to value etc. |
| Available Loan Terms: | 25 year fixed 3 year hybrid 5 year hybrid |
| Minimum DSCR: | 1.25 |
| Amortization: | 25 years |
| Maximum LTV: | 65% - varies by property type |
| Prepayment Penalty: | 5,4,3,2,1 declining 3,2,1 declining |
| Minimum Credit Score: | 600 |
| Property Types: | Apartment Buildings, Office Buildings, Multifamily, Retail, Mixed-Use, Hotel/Motel, Recreational Day Care, Hair Salons, Auto Repair, Auto Body Shop, Funeral Homes, Office, Warehouse, Mobile Home Parks, Garage/Storage, Bar/Restaurant |
| Properties -Tier 1 | Multi-family (2+) Mixed-use |
| Properties - Tier 2 | Retail Owner Occupied Office Warehouse Light Industrial |
| Properties - Tier 3 $500K Maximum Loan Size and/or 60% Maximum LTV | Daycare Center Mobile Home Park Self-Storage Automotive Restaurant/Bar Hotel/Motel Investment Office Condominiums Funeral Home |
| Alliance Fees: | 2-5% of the Loan Amount |
| Additional Fees: | Appraisal Fee will need to be paid upon issuance and acceptance of Conditional Loan Approval |
Many Small Business Owners are unable to obtain traditional Bank Financing for a variety of reasons. Alliance understands this and will work hard to fully understand the situation and provide you with a financing solution whenever possible.
| Minimum Loan Amount: | $75,000 |
| Maximum Loan Amount: | $400,000 |
| Rate: | Starting at 11.25% |
| Loan Term: | Up to 25 years fixed rate |
| Amortization: | Up to 25 years |
| Maximum Loan to Value: | 60% - varies by property type |
| Minimum DSCR: | 1.25 |
| Prepayment Penalty: | 5,4,3,2,1 declining |
| Credit: | We will consider credit scores under 600 or other credit challenges on a case-by-case-basis |
| Property Types: | Apartment Buildings, Office Buildings, Multifamily, Retail, Mixed-Use, Hotel/Motel, Day Care Facilities, Hair Salons, Auto Repair, Auto Body Shop, Funeral Homes, Office/Warehouses, Garage/Storage |
| Alliance Fees: | Typically 3-5 % if the loan amount |
| Appraisal: | You will have to put up money for an appraisal once a conditional loan approval has been issued and accepted |
| Property - Tier 1 | Multi-family (2+) Mixed-use |
| Property - Tier 2 | Retail Owner Occupied Office Warehouse Light Industrial |
| Property - Tier 3 $500K Maximum Loan Size and/or 60% Maximum LTV | Daycare Center Mobile Home Park Self-Storage Automotive Restaurant/Bar Hotel/Motel Investment Office Condominiums Funeral Home |
Alliance understands that financing for Non-Profits is often a challenge, however we have a loan program designed with you in mind.
| Mininum Loan Amount: | $75,000 |
| Maximum Loan Amount: | $400,000 |
| Loan Rate: | Starting at 11.25% |
| Loan Term: | Up to 25 years fixed rate |
| Amortization: | Up to 25 years |
| Maximum Loan to Value: | 60% - varies by property type |
| Minimum DSCR: | 1.25 |
| Prepayment Penalty: | 5,4,3,2,1 declining |
| Minimum Credit Score: | 600 |
| Property Types: | Houses of Worship, VFW's, Union Halls, Office Buildings, Retail |
| Alliance Fees: | Typically 3-5% of the loan amount |
| Appraisal Fee: | Will need to paid upon issuance and acceptance of a conditional loan commitment |
Alliance Business Capital offers the above loan programs as a Commercial Loan Broker. These programs are not available in every State. To find out if these loan programs are avaiable in your State visit our locations served page.