commercial Loans

Our Network Includes Lenders who offer almost every loan you can think of:

1.  Stated Income Loans up to $75mm
2.  FAST Hard Money Loans up to $50mm
3.  Fix & Flip - Multiple loan products available
​4.  Rental Investment Property Loans
5.  100% Financing - Cross Collateralized
6.  Investor Cash Flow - No DTI, No Employment
7.  Land, Vineyards, Farms & Ranches
8.  Commercial Loans up to $250mm or more
​9.  SBA Commercial Loans to $5mm

We have the depth of knowledge required to help you build your commercial real estate portfolio. Whether you are looking to acquire larger facilities for your business, purchase investment properties to expand your revenue, Rehab a Commercial Investment Property or Construct a new project from the ground up, we can usually help.
Our team will work with you directly to provide both traditional and non conventional commercial funding options. 


Loan Programs

• Recourse and Non-Recourse
• Bad or No Credit Stated Income with No Tax Returns & No Ratio to $12mm
• Fixed & Adjustable Rates
• Loans Available for Foreign Nationals
• Up to 30 Year Terms
• Owner Occupied and Non-Owner Occupied
• Interest Only, Partially Amortized and Fully Amortized

Type of Lenders

• Banks
• Credit Unions
• Insurance Companies
• Commercial Mortgage Companies
• Private Money Lenders
• Wall Street Financial Institutions
• Debt Fund
• Agency

Loan Types

• Conventional
• Construction
• Real Estate Development
• Bridge
• CMBS
• Fannie Mae
• Freddie Mac
• SBA
• USDA
• HUD
• Private Money

Property Types (Not on the list - Just Ask)
$  Apartment (5-20 Units)
$  Apartment (21+ Units)
$  Auto Services
$  Bar/Club
$  Bed & Breakfast
$  Car wash
$  Church
$  Condo Conversion
​$  Construction 
$  Convenience Store with Gas
$  Day Care Center
$  Development (Residential)
$  Development (Commercial)
$  Dry Cleaner
$  Franchises
$  Funeral Home
$  Health Care / Assisted Living
$  Hospital
$  Hotel Condo
$  Hotel / Motel
$  Industrial Park
$  Investment Condo
$  Laundromat
$  Light Industrial
$  Master Planned 
$  Mixed Use 
$  Mobile Home Park
$  Multi Family (1- 4 Units)
$  Multi Family (5+ Units)
$  Office Building
$  Office Condo
$  Parking Garage
​$  Rehab
$  Rental Property 
$  Restaurant
$  Retail
$  Self Storage
$  Shopping Centers
$  Single Family Residence
$  Strip Club
$  Town-home / Residential Condo
$  Warehouse
$  Warehouse Condo​

​​Minimum Loan Amounts will Consider: $500,000

​** - Rates and Terms are subject to change without notice and may vary from lender to lender

Effective Use of a Bridge Loan

Utilizing commercial mortgage bridge loans effectively requires speed, precision, expertise and a properly formulated exit strategy.  Advisory Services USA  works with its clients, its borrowers, to save them time, money and to reduce risk.
Commercial property investment is a complex, multi-faceted process and a bridge loan (aka commercial mortgage bridge loans, bridge loans, bridge financing, construction bridge loans, etc.) are often a necessary tool for those looking to quickly take advantage of a new opportunity. 

Here at Advisory Services USA, we represent our clients rather than one specific lender, meaning that we are free to formulate targeted commercial real estate loan transactions between you and our well-funded private and institutional capital sources.


Characteristics 
A bridge loan, also known as commercial mortgage bridge loans, bridge loans, bridge financing, construction bridge loans, private money loans, and hard money loans, have certain well-defined characteristics.  The details vary among lenders, but the overall profile of a bridge loans follows.

Bridge loans are usually interest-only loans, and common practice is to refinance a bridge loan with a take-out loan (i.e., a long-term, permanent mortgage).  Bridge loans are asset based, meaning they are fully collateralized, either with the property that is the subject of the loan, and/or other in combination with additional assets as required by the funding source.  As detailed below, commercial mortgage bridge loans require a larger percentage of borrower equity than do commercial construction loans.  

The proceeds from a bridge loan can be put to work in various ways beyond construction.  These can include acquisition, rehabilitation, stabilization, additions, higher occupancy rates, re-purposing or other purposes.  Raw land can be purchased with bridge loan funds as long as the land is to be improved (i.e., infrastructure, subdivision, etc.).  Commercial mortgage bridge loans can also be applied to properties already owned by the borrower so that they can be improved and refinanced.


Typical Terms for Bridge Loans
 

• Loan Size: $2mm to $75mm
• Loan-to-Value: Up to 75% (with additional capital secured by business asset value)
• Loan Terms: Up to 24 Months
• Asset Types: Multifamily, All forms of Senior Living, Hospitals, Office, Hospitality, Student Housing, Retail,  Industrial, Time Shares, Office, Industrial/Warehouse, Quick Service Restaurants, Franchises, Car Dealerships, Marinas, Gas Stations, C&I Loans (Receivables, A/R, Inventory & Equipment), Mixed-Use, Airplanes, Ships, Consumer Loans
• Transaction Types: Senior Secured 1st Mortgage Bridge Loans
• Geography:  Anywhere in continental U.S., Puerto Rico, the Caribbean, Europe and Canada
• Loan Purpose: Business or Commercial Purpose Only