Traditional banks can be a great fit—until your commercial property no longer checks every box.
That’s where non-bank commercial loans come in.
Non-bank lenders focus more on the property, cash flow, and overall structure of the deal, offering flexibility that many banks simply can’t. This program is designed for owners and investors who want strong leverage and long-term stability without unnecessary roadblocks.
Eligible property types include:
• Industrial & manufacturing
• Warehouse & distribution
• Self-storage facilities
• Retail properties
• Professional office buildings
How this non-bank loan works
• Loan amounts from $1,000,000 to $10,000,000
• Up to 90% loan-to-value
• Up to 30-year amortization for lower monthly payments
• 5-year adjustable rate, with a balloon at year 10
• Tax and insurance escrows required on all loans
What to provide
• Two years of personal and business tax returns
• Year-to-date business P&L
• Loans close in the name of a Single Purpose Entity (SPE)
This non-bank structure works well for acquisitions, refinances, and recapitalizations where flexibility, leverage, and execution speed matter.
If you’re exploring a non-bank alternative for your next commercial loan—or want to compare this option to bank or SBA financing—I’m happy to walk through the numbers and help you decide.
Give us a call today to discuss your commercial finance needs or get started by filling out this form!
Karen Schimpf
(512) 358-1511
karen@applycommercialloans.com
www.ApplyCommercialLoans.com
Karen Schimpf
Commercial Capital, Ltd.
O: 512-358-1511
E: karen@ApplyCommercialLoans.com
w: www.linkedin.com/in/karenschimpf/
blog: http://bizloansconnections.com/
website: http://applycommercialloans.com
P.S. Merchant cash advances can drain your profits fast. We have a product for that—Business Bridge Loans from $150K to $1.5M let you pay off costly MCAs and refinance into real SBA funding with lower rates, fixed payments, and room to grow. Give me a call today at 512-358-1511 or get started online here : https://applycommercialloans.com/apply-now/.