From acquiring your first investment building to refinancing a mixed-use portfolio, our commercial financing team structures loans around property cash flow, business goals, and Florida's dynamic commercial real estate market.
We finance the full spectrum of commercial real estate in Florida across both owner-occupied and investor scenarios. Property type significantly impacts underwriting, LTV, and rate.
Commercial underwriting is fundamentally different from residential. We analyze the property's income, market comparables, lease structure, and the sponsor's financial strength to structure the right loan.
Commercial loans are structured around the property's income and the borrower's risk profile. We work with bank and non-bank lenders to find the structure that fits your investment timeline.
Commercial down payments depend heavily on property type, occupancy, and lender. Owner-occupied business properties accessed through SBA programs can close with as little as 10% down.
We start with a conversation about the property, the business plan, and your goals. We determine whether a bank, CMBS, SBA, bridge, or portfolio lender is the best fit and give you a realistic picture of terms before any applications are filed.
Commercial lenders require a comprehensive package: property financials, rent rolls, operating statements, personal financial statements, and business returns. We guide you through exactly what's needed so the package lands strong.
We order a commercial appraisal from MAI-certified appraisers who specialize in the relevant property type and Florida market. Appraisal turnaround on commercial properties is typically 3–4 weeks — we account for this in scheduling.
Commercial loan closings vary by complexity — simple cases close in 30 days; SBA and complex transactions can take 60–90 days. We set accurate expectations upfront and keep the process moving at every stage.
We know Florida's commercial market and have the lender relationships to get complex deals done.