Small Balance Commercial Unlocking Opportunities

Our Small Balance Commercial Mortgage Product is engineered to empower businesses and investors to achieve their commercial real estate goals. Catering to loan amounts from $100,000 to $5,000,000, this versatile package is designed for a wide range of commercial properties, including Office Buildings, Retail Spaces, Warehouses, and Mixed-Use properties.

With tailored lending terms, including Interest-Only Payments, Fixed-Rate, and Adjustable-Rate Mortgages (ARMs), we aim to provide financial solutions that align with your investment strategy. Our program also features competitive rates and streamlined processing to facilitate a smooth and efficient closing process.

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Who Is Small Balance For?

Ideal Candidates for Our Commercial Mortgages:

  • Small to Mid-Sized Businesses: Enhance your operational space or expand your business footprint.
  • Real Estate Investors: Diversify your portfolio with commercial properties.
  • Entrepreneurs: Launch or expand your ventures with strategic real estate investments.

Benefits of Choosing Phoenix Commercial Capital:

Key Advantages:

  • Competitive Interest Rates: Maximize your investment returns with our competitive pricing.
  • Flexible Lending Criteria: Our program accommodates a broad spectrum of credit profiles and property types.
  • Quick and Efficient Processing: Benefit from our streamlined application and approval process to get your projects moving quickly.

Eligibility and Requirements:

To qualify for our Small Balance Commercial Mortgage, applicants should meet the following criteria:

  • Ownership entity must be a U.S. based LLC, Corporation, or Partnership.

  • A minimum credit score of 650 is typically required.

  • Comprehensive property appraisal and due diligence review.

    Mortgage Types Funded

    Your rental strategy is pivotal in this mortgage type:

    • Short-Term Rentals: Ideal for properties in high-demand tourist locales or business centers.
    • Long-Term Rentals: Perfect for stable, recurring income.

    We typically seek properties with a positive debt service coverage, as this indicates a healthy revenue stream capable of servicing the mortgage.

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    Loan Amount Parameters

    Our Small Balance Commercial mortgage range is extensive:

    • Minimum Loan: $500,000, accessible for budding investors.
    • Maximum Loan: $10M, equipped to accommodate large-scale, multi-property ventures.
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    Small Balance Commercial
    Loan Terms

    Select a loan term that fits your investment horizon:

    • 5-Year Adjustable-Rate Mortgage (ARM): Lower initial rates, ideal for short-term investment strategies.
    • 7-Year Adjustable-Rate Mortgage (ARM): Moderate initial rates suitable for medium-term financial planning.
    • 10-Year Adjustable-Rate Mortgage (ARM): Extended adjustable rate period for greater financial flexibility.
    • 30-Year Fixed-Rate Mortgage: Long-term stability with a fixed interest rate for the loan's duration.
    • 40-Year Fixed-Rate Mortgage: Extended fixed-rate term for reduced monthly payments.
    • Interest-Only Loans: Pay only the interest initially, offering lower monthly payments for a set period.

    Availability Funding Eligibility

    Our Small Balance Commercial lending product is readily available to:

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    Individuals

    A direct and personalized approach to property acquisition

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    Trusts

    A tool for versatile, strategic real estate planning

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    Corporations

    Facilitating rapid portfolio expansion or diversification

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    Partnerships

    Capitalize on collective investment opportunities swiftly

    Choose Phoenix Commercail Capital's Small Balance Commercial mortgage lending product to maximize your real estate investment potential. We're not just a lender; we're your strategic partner in realizing your financial and investment aspirations. Begin the application process now to capitalize on this unique opportunity.

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    States We Serve

    We're proud to service multiple states across the U.S., offering comprehensive solutions to suit diverse regional needs. Check our map to find out if we service your state.

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