Small-balance commercial bridge loans and preferred equity, funded with our own balance-sheet capital. No appraisal on loans under $2 million and no minimum credit score.
Bridge loans and preferred equity from $100,000 to $2 million on multifamily, mixed-use, retail, office, and more.
We evaluate the property and business plan directly in-house, bypassing the 3–4 week appraisal bottleneck common with conventional institutions. This asset-based approach keeps upfront costs down and allows us to issue terms and close within days.
Approval isn’t based on credit — we underwrite the property and the plan, not just the borrower.
We’re a direct lender funding from our own balance sheet, so decisions are made in-house and quickly.
Our small-balance commercial program — bridge loans and preferred equity funded with our own balance-sheet capital, for deals that don’t need (or don’t want to wait on) a large syndicated facility. No appraisal on loans under $2 million, no minimum credit score.
Direct balance-sheet capital up to 70% LTV, under $2 million, with no appraisal required.
| Parameters | Details |
|---|---|
| Loan Size: | $100,000 – $2,000,000 |
| Financing Offered: | Bridge loan · Preferred equity |
| Leverage: | Up to 70% LTV / LTC |
| Rate: | 10.99% – 13.99% |
| Origination Fees: | 2% – 4% |
| Term: | 12 – 24 months |
| Structure: | First lien · Balance-sheet capital · Flexible prepayment |
| Asset Types: | Multifamily · Mixed-use · Retail · Office · Self-storage · Light industrial · High-end single-family investment |
| Appraisal: | No appraisal required |
| Minimum Credit Score: | No minimum credit score |
| Lending Area: | Washington DC, Maryland, Virginia, Delaware, New Jersey, Pennsylvania and North Carolina |
Asset-First Underwriting: We evaluate the complete deal—property equity, project margin, and exit strategy—rather than disqualifying borrowers based on credit score cutoffs.
From submission to closing, here’s what to expect.
Send us the property, purchase price or payoff, and your business plan — no tax returns or income docs needed.
We underwrite the property and the plan, not just your credit, and respond within one business day.
No appraisal to wait on for loans under $2 million — most deals move from approval to closing in days.
Capital comes from our own balance sheet, with flexible prepayment when you’re ready to sell or refinance.
A short-term loan secured by a commercial property that gives you time to acquire, reposition, or refinance. Ours run from $100,000 to $2 million and are funded from our own balance sheet.
Loan sizes run from $100,000 to $2,000,000, with leverage up to 70% of value or cost.
No. Approval is based on the deal — the property, the plan, and the numbers — not a minimum credit score.
No. Commercial loans under $2 million don’t require an appraisal, which helps keep timelines short and closing costs down.
Rates run 10.99% to 13.99% with origination fees of 2% to 4%. Terms are 12 to 24 months, and prepayment is flexible.
Most loans close in 5 to 10 days from a complete application, and we typically respond to a new deal within one business day.
Multifamily, mixed-use, retail, office, self-storage, light industrial, and high-end single-family investment properties.
Preferred equity is capital that sits between the senior loan and the owner’s own equity. It can fill the gap when a first mortgage doesn’t cover the whole deal.
Yes. We work with property owners facing foreclosure, divorce, tax sales, or bankruptcy, and with heirs going through probate. Contact us to talk through your situation.
Washington DC, Maryland, Virginia, Delaware, New Jersey, Pennsylvania, and North Carolina.
Submit your deal and hear back the same business day.
