Commercial Loans
COMMERCIAL LOANS — NON-BANK & LITE-DOC OPTIONS
Fast, private funding for retail, office, warehouse, and multifamily assets — without bank red tape.
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.
Example Scenario:
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.
Advantages:
• Flexible underwriting with No Doc, Lite Doc, or Full Doc options
• Programs available for owner-occupied and investment properties
• Up to 80% LTV with loan sizes from $100K to $2MM
• 5-year ARM or 30-year fixed terms available
• Amortizations up to 30 years
• Cash-out refinance and mixed-use properties allowed
• Eligible for retail, office, warehouse, self-storage, industrial, automotive, multifamily, and more
Terms & Availability:
• Loan Amount: $100,000 – $75,000,000
• LTV: Up to 80% purchase/refi, 75% cash-out
Unbranded Docs - Non-Bank Comme…
• Rate: Starting from 7.25%–9.50% (varies by doc type and property)
• Term: 5-year ARM or 30-year fixed, 30-year amortization
Unbranded Docs - Lite Doc Inves…
Docs - No Doc Program
• FICO: Minimum 650 (No Doc may require 700)
Unbranded Docs - No Doc Program
Docs - Non-Bank Comme…
• Experience: New and seasoned investors accepted
• Prepayment Penalty: Typically 3-year step-down (varies by lender)
• Eligible Properties: Retail, office, light industrial, warehouse, self-storage, restaurants, mixed-use, automotive, mobile home parks, daycares
