Commercial Loans
Fast, private funding for retail, office, warehouse, and multifamily assets — without bank red tape.
Programs through Silver Hill Capital and Express Capital Financing.
Product Overview
Our Commercial Loan programs through Silver Hill Capital and Express Capital Financing provide private, non-bank solutions for income-producing properties nationwide. Designed for business owners and investors who need flexible documentation and fast approvals, these programs include Full Doc, Lite Doc, and No Doc options with competitive long-term financing for stabilized commercial assets.
Traditional documentation path with comprehensive financial review.
Reduced documentation option for faster approvals while maintaining strong underwriting.
Minimal documentation option designed for specific scenarios and property types (FICO requirements may increase).
Property Type: Retail Plaza
Purchase Price: $1,200,000 | Loan: $960,000 | LTV: 80%
Investor qualifies through property cash flow or business bank statements — no tax returns required. The loan is structured as a 30-year fixed with minimal documentation.
- Flexible underwriting No Doc, Lite Doc, or Full Doc options.
- Owner-occupied + investment allowed Programs available for both.
- High leverage Up to 80% LTV with loan sizes from $100K to $2MM.
- Term options 5-year ARM or 30-year fixed terms available.
- Amortization Amortizations up to 30 years.
- More flexibility Cash-out refinance and mixed-use properties allowed.
Terms & Availability
- Loan Amount $100,000 – $75,000,000
- LTV Up to 80% purchase/refi, 75% cash-out
- Rate Starting from 7.25%–9.50% (varies by doc type and property)
- Term / Amortization 5-year ARM or 30-year fixed, 30-year amortization
- FICO Minimum 650 (No Doc may require 700)
- Experience New and seasoned investors accepted
- Prepayment Penalty Typically 3-year step-down (varies by lender)
Eligible Properties
- Property types include Retail, office, light industrial, warehouse, self-storage, restaurants, mixed-use, automotive, mobile home parks, daycares
- Also eligible Industrial, automotive, multifamily, and more
Eligible for retail, office, warehouse, self-storage, industrial, automotive, multifamily, and more.
Need commercial financing without bank red tape? Submit once — we will guide you to the best-fit documentation option and structure.