Purchase, refinance, or cash-out on commercial and investment property nationwide.
Long-term commercial mortgage capital for owner-occupied and investment property. Retail, office, industrial, multifamily, mixed-use, and specialty assets. We structure conventional, SBA 504, agency, and bridge takeouts based on the asset, sponsor, and business plan.
Loan Size
$250,000 – $25,000,000
LTV
Up to 80%
Term
5 – 30 Years
DSCR Min
1.20x
Funding Time
30 – 60 Days
Amortization
20 – 30 Years
01
Submit property address, purpose, and sponsor summary.
02
Underwriting sizes to DSCR, LTV, and sponsor experience.
03
Term sheet issued with rate, term, and required diligence list.
04
Appraisal, environmental, and title order — close in 30–60 days.
Published research and industry data on how commercial real estate (cre) help U.S. businesses grow.
$5.9 Trillion
Outstanding U.S. commercial and multifamily mortgage debt — one of the deepest credit markets in the world.
Source: Mortgage Bankers Association, 2024
80% LTV
Typical maximum LTV on owner-occupied CRE via SBA 504 combined with a conventional first mortgage.
Source: SBA / CDC guidelines
1.20x DSCR
Standard minimum debt-service coverage on stabilized income property loans.
Source: CRE lender underwriting norms
The scenarios below are hypothetical illustrations of how this program is commonly used. They are not actual First Capital Funding client results.
Manufacturing
Owner-occupier, industrial
Purchased a $3.8M owner-user warehouse with 10% down using an SBA 504 first + second stack.
Real Estate
Multifamily investor
Refinanced a 42-unit walk-up out of a bridge into a 10-year fixed agency loan — cut monthly service 22%.
Hypothetical examples for illustration only — not actual client outcomes. Individual results vary and no outcome is promised.
One application, one desk. A funding advisor will review your file and return offers tailored to your business.