We now offer up to 90% CLTV on non-owner-occupied investment properties — including deals using seller carry backs or 2nd liens behind our 1st. to “We now offer up to 90% CLTV on owner and investment properties — including deals using seller carry backs or 2nd liens behind our 1st.
A client goes back to their bank to refinance a commercial property. The loan is coming due, the property looks better than it did before, and they expect the process to be pretty routine. Instead, the bank comes back with a lower loan amount or, in some cases, a full decline.
Most of the time, this has nothing to do with the deal being bad. It’s usually timing. Maybe tenants were just signed and the income hasn’t fully seasoned yet. Maybe cash flow is improving but not quite consistent enough. Maybe underwriting guidelines or interest rates have changed since the original loan closed. Right now, banks are being especially cautious, even when a property is clearly headed in the right direction.
That’s when things start to feel tight. The maturity date isn’t flexible. Bringing in new equity often isn’t realistic. And waiting too long only narrows the choices.
In many of these situations, the answer isn’t conventional bank financing, at least not yet. Instead, we’re using bridge loans or alternative financing to create breathing room. These loans are meant to do one thing well: give the property time to stabilize so long-term financing becomes an option again.
I always remind clients that these aren’t forever loans. They’re tools. The goal is to protect the asset, preserve equity, and set up a clean exit into conventional or SBA financing once the numbers support it.
What I’m seeing again and again is this: a reduced loan amount or a bank decline doesn’t mean the deal is over. It usually just means the project needs more time.
The key is addressing it early and understanding your options before timing becomes the problem. If you’re facing a loan maturity or a bank pullback, give us a call at 512-358-1511 and let’s talk through it.
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.comÂ
www.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/.