Commercial & SBA loans
Financing for real estate investors moving up into multifamily of five or more units, and for traditional business-purpose commercial property, plus SBA options when you occupy the space your business uses.
Is a commercial
loan right for you?
Commercial and SBA loans cover the deals that sit past residential guidelines: larger multifamily, mixed-use, and business-owned property. If most of these sound like you, it is worth a conversation.
- You are buying or refinancing a property with five or more units, or "doors."
- You need business-purpose commercial financing, not a consumer home loan.
- You own a business and want to buy the building it operates in.
- You hold, or plan to hold, the property in an LLC or other entity.
- Your deal is too large or too specialized for a standard residential program.
Key parameters
The shape of the program in plain terms. Exact numbers depend on the lender and the deal.
How a commercial loan comes together
Talk through the deal
The property, the units or the business, the income, and the goal. Bring your numbers; no paperwork required to start.
Match the structure
MaryAnn maps your deal to a commercial or SBA program and shops it across lenders, then comes back with real options.
Choose the terms
Vesting, term, and structure, each explained in plain terms so you understand the trade-offs before you commit.
Close the deal
She coordinates lender, title, and the paperwork these files require, and keeps you posted at every step.
Commercial, answered
The questions investors ask most about commercial and SBA loans. Anything else, just call or text.
What counts as a commercial loan here?
Business-purpose financing for property that sits beyond residential guidelines, including multifamily of five or more units, mixed-use, and commercial real estate. These are not consumer loans and are not for a home you intend to occupy.
Why do five or more units go through commercial?
Residential investment programs generally cover one to four units. Once a property has five or more units, or "doors," it is underwritten as commercial multifamily, with terms and documentation set by the commercial lender.
What is an SBA loan and who is it for?
SBA programs help business owners buy or refinance the property their business occupies. They are for owner-users, not passive investors, and typically require you to occupy a majority of the space.
Can I close in an LLC or other entity?
Yes. Business-purpose commercial loans can close in an LLC, corporation, or other approved entity, subject to lender guidelines. MaryAnn will walk you through the options for your deal.
What states do you work in?
Business-purpose investor loans are available in most states, and it depends on the property state and program. Ask about yours in the first conversation.
Bring the deal.
Call or text MaryAnn directly, or schedule a time that works for you. Bring the property and the plan; leave with real options.
Ready to apply? Start your application online (opens in a new tab)