asset based lending for commercial real estate

Small-Balance Commercial Property Loans

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A Small Balance Commercial Property Loan typically refers to a commercial mortgage designed for smaller real estate transactions, usually involving loan amounts under $1 million. These loans are tailored to meet the financing needs of small businesses and investors seeking to acquire, refinance, or improve commercial properties.
Loan Under
$1 Million
Competitive Interest Rates
Up to 80%
LTV
Streamlined
Processes
Loan Term
Up to 10 years

Small-Balance Commercial Mortgage Terms

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Loan Amount

Under $1 million, providing accessible financing for small-scale projects.

Interest Rates

Competitive rates tailored for smaller transactions

Maximum LTV

Upto 80% loan-to-value (LTV). Prudent LTV ratios ensuring a balanced and realistic approach to your property's value.

Amortization

Flexible amortization schedules, allowing borrowers to choose terms that fit their financial strategy.

Eligible Properties

These loans can be used for a range of property types, including retail, office, mixed-use, multi-family, and light industrial properties.

Eligible Borrower

A singular asset entity, whether for-profit, nonprofit or public borrowers.

Recourse

We offer full recourse

Prepayment

A frequently used prepayment penalty format is the "10-9-8-7-6-5-4-3-2-1-0" structure. This entails a 10% prepayment penalty in the first year, with a subsequent 1% reduction on each 1-year anniversary, ultimately reaching a 0% prepayment penalty by the 10-year anniversary.

HUD mortgage insurance premium (MIP)

Annual Mortgage Insurance Premium (MIP) rates are as follows:

1. Market rate properties: 0.70%
2. Affordable properties: 0.35%
3. Broadly affordable or energy-efficient properties: 0.25%

Key Features of Small Balance Commercial Property Loans

Customized Financing

Tailored Solutions: Small Balance Loans are crafted to meet the unique needs of borrowers with projects under $1 million.

Flexible Terms: Enjoy flexibility in loan terms, including amortization schedules and repayment plans.

Diverse Property Types

Versatility: Our Small Balance Loans cover a spectrum of eligible property types, from retail spaces and offices to multifamily dwellings.

Accessibility: Unlock the potential of various commercial real estate ventures with accessible financing.

Competitive Rates

1. Cost-Effective Solutions: Benefit from competitive interest rates that enhance your return on investment.

2. Financial Efficiency: Navigate your projects with cost-effective financing options tailored to your budget.

Location
We Cover

50

States & US Territories

Capital Investors Direct provides commercial hard money loan financing options in the following geographic locations of the United States:

200

200 MSA Tier I & Tier II Cities

Maryland, Texas, Florida, Utah, Colorado etc. We offer CRE Bridge Loan in top cities like Denver, Chicago, Colorado, San Diego etc.

How it Works?

Capital Investors Direct funds different commercial properties across the country. Below are few commercial properties we lend hard money for –
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01

Fill Out the Form

Apply for a commercial property loan in
5 minutes by filling out the form

02

Get Approval

We will get back to you within 24 hours
with a written disclosure of all loan terms

03

Loan Funded

Within days, the money will be credited
to your account.

Why Choose Us?

We go above and beyond to add to our list of satisfied customers and ongoing clientele We go above and beyond to add to our list of satisfied customers and
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01

Specialization in CRE Loans

We specialize in commercial real estate financing, providing expertise tailored to the unique needs of businesses and investors.

02

Diverse Loan Products

We offers a range of loan products, including FHA/HUD loans, small balance commercial loans, and other financing solutions

03

Efficient Process

Capital Investors Direct is committed to providing an efficient and streamlined loan application and approval process.

04

Client-Centric Approach

We prioritize the needs of our clients and work collaboratively to understand their objectives.

Blogs & 
Articles

Capital Investors Direct funds different commercial properties across the country. Below are few commercial properties we lend hard money for –

Get Quick Approval For Commercial Real Estate Loan