stated income commercial loans

When Bank Says No…
We Say Yes!

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Stated income is an underwriting component of many commercial real estate mortgages to measure income available to repay the loan. Here the borrower’s income is stated but is NOT verified.
Secure a
Loan fast
Efficient Communication
No Hidden

Stated Income Commercial Loans

It focuses on the commercial property’s value to determine the capability of repaying the mortgage, interest, and insurance of the approved stated income commercial loan. Here your credit score DOES NOT have much significance.
Stated income commercial loans are the perfect fit for borrowers who don’t qualify for traditional loans based on TAX RETURNS or W-2 INCOME. Self-employed individuals can easily qualify for this loan as it requires no income verification, and has a credit score requirement of as low as 650. This stated income commercial loan is ideal for entrepreneurs, freelancers, realtors, and consultants.
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Apply Now If You
Have These Documents

Stated income commercial loans are the best alternatives for borrowers who are unable to furnish proof of their income source. Capital Investors Direct will secure your stated income commercial loan simply with the following documentation-
Credit score of 650 and above
Bankruptcy(s) outside of 2 years
Copy of driver’s license & social security card
Address history for the last two years?
How long you’ve been staying at your current address?
Whether you currently rent or own?
If renting, current rent paid/month
Employment history last two years
If self-employed, the name of company-owned
Current job title
How long you have held your current job title?
Married or unmarried
How many dependents and their ages?
Hazard insurance DEC page showing annual premium
Current mortgage statement
Purchase agreement (if purchase loan)
Credit authorization

You Need A
Stated Income Commercial Loans

When you don’t have proof of income of at least two years
When you need cash for your business
When your salary is low but you earn a high commission
When you want to buy commercial property
When you want to apply for refinances or cash-out refinances

Projects We Fund

Stated Income Loan Specifications for Commercial Real Estate

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Asset Class:

Multifamily / Mixed-Use / Retail / Office /Commercial Properties


None Required


Interest Only Available/Fixed/ARM

Loan Size:

$150,000 – $5M+

Loan Purpose:

Purchase / Rate / Term & Cash-Out Refinance

We Cover


States & US Territories

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


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?

Embarking on Your CRE Financing Journey: Unveiling the Smooth and Efficient Process of Applying for Your Commercial Real Estate Loan
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Fill Out the Form

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

Get Approval

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

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 believe in a simple theory, listen intently to the specific needs of each customer, and go above and beyond to deliver the best stated income financing Solutions.
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Fast &

Capital Investors Direct is committed to expediting the financing process. We understand that in the world of Commercial Real Estate (CRE), time is of the essence.

Efficient Communication

We believe in clear, timely, and responsive communication. When you partner with us, you'll have a dedicated account manager who serves as your main point of contact throughout the entire process.


We understands the importance of quick decisions when it comes to securing financing. Our commitment to instant approval means that borrowers can rapidly access the financing they need.


Our dedication to your satisfaction is unwavering. We stand firmly behind our services and our ability to provide tailored financing solutions that meet your unique requirements.

Get Quick Approval For Stated Income Loan