Commercial real estate loans
Commercial property loans on a 30-year fixed, with no minimum credit score.
Retail, warehouse and industrial, auto repair, mixed-use, multifamily and residential care property, financed through our lending partners at up to 50% of value. No minimum credit score, no tax returns, no personal income check, and a 30-year fixed rate instead of a five-year balloon. For investors and for businesses that occupy their own building.
Property we finance
- Retail
- Warehouse and industrial
- Automotive — mechanic and repair shops
- Mixed-use — commercial ground floor with apartments above
- Multifamily — five units and up
- Assisted living, sober living and residential care homes
Investor or owner-user
Investor loans finance property you lease to tenants. The strongest fit is loans under $500,000 on well-maintained buildings in strong markets, at least 70% occupied, with no deferred maintenance.
Owner-user loans finance a building your own business operates from — the auto shop, the warehouse, the storefront. Owner occupancy is allowed on commercial and mixed-use property, and the best fit is loans under $750,000.
Loans under $1.5 million fit this program best; the average is about $750,000. On loans under $1 million, rent coverage as low as 0.80 is considered.
Program snapshot
- Max LTV
- 50% purchase, refinance and cash-out
- Min credit score
- None
- Income documents
- None
- Term
- 30-year fixed
- Best-fit loan size
- Under $1.5M, average $750k
- Rent coverage
- As low as 0.80 under $1M
- Occupancy
- 70% minimum, investor loans
- Bankruptcy & foreclosure
- No seasoning
- Cash-out limit
- None
- Owner-user
- Allowed
Where it fits
- A bank turned you down on credit, on a recent bankruptcy, or because your tax returns show a loss.
- A commercial balloon is coming due and the bank will not renew it.
- A hard money or bridge loan needs paying off — first and second liens.
- You want to pull cash out of a building you own free and clear, with no limit on the cash out at 50%.
- A partner buyout or a family transfer, with no title seasoning.
What stops a file
- Refusing an escrow account for taxes and insurance
- Not enough cash to close
- A property that is not in usable condition
- Personal liens or judgments on title that cannot be paid off at closing
- Federal tax liens that are unpaid and not on a payment plan
- Felony charges, past or pending, or current probation
Need more than 50%? Send the deal anyway. Higher leverage on stronger commercial files is quoted case by case, and 5+ unit apartments also go to 75% on the multifamily program with 700+ credit.
What to send for a quote
- Property address and type
- Purchase price, or current value and the payoff on a refinance
- Rent roll and leases, or “owner-occupied”
- Annual property taxes and insurance
- Your credit score range, or “no score”
- Any bankruptcy, foreclosure or default, with dates
What we charge
Nothing. No application fee, no processing fee, no upfront fee of any kind. We are paid by the lender when the loan closes.
Business purpose only
Commercial loans on this page are business-purpose loans. Owner-occupied commercial property means your business operates from the building; we do not finance a home you live in.
Commercial loan questions
Can I get a commercial loan with bad credit?
Yes, at up to 50% of the property’s value. There is no minimum credit score on this program, and a bankruptcy or foreclosure has no waiting period.
Do I need tax returns for a commercial property loan?
No. There is no personal income check and no tax returns. The loan is sized on the property.
Can I finance the building my business operates from?
Yes. Owner-user loans are allowed on commercial and mixed-use property, with the best fit under $750,000.
What kinds of commercial property qualify?
Retail, warehouse and industrial, automotive repair shops, mixed-use, multifamily of five units and up, and assisted living, sober living and residential care homes.
Is it a balloon loan?
No. It is a 30-year fixed loan, which removes the renewal risk of a typical five- or ten-year commercial balloon.
Easy Lending USA is not a lender, a bank, or a mortgage broker. We introduce real estate investors and business owners to independent private lenders, who make every credit decision. Business-purpose loans only. Every figure on this page is indicative, subject to underwriting, and not a commitment to lend. No upfront fees of any kind.