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CONVENTIONAL LOANS

Alliance Business Capital offers fixed rate permanent loans to $50 million and more for multifamily, office, retail, self-storage, industrial, manufactured housing and hospitality property types as a Commercial Loan Broker.

This Conventional Loan Program is an alternative to our CMBS Loan Program. We offer upfront credit approval, timely closings and common-sense underwriting.

Please review the below general guidelines for more information.

Conventional Fixed Rate Loan Program Guidelines

Maturity & Amortization:5,7,10 Years with up to 25 Year Amortization
Maximum Loan Amount:$20,000,000
Minimum Loan Amount:$1,000,000
Maximum LTV:70%
Eligible Use of Proceeds:Purchase, Refinance, Cash-Out Refinance
Collateral:1st TD on Commercial Real Estate
Primary Property Types:Multi-Use, Warehouse, Office, Industrial, Medical Office, Flex, Auto Body, Office Condo, Retail, Restaurant, Urgent Care, Surgery Center
Secondary Property Types:Mini Storage, Cold Storage, Auto Repair, Car Dealership, Assisted Living Facility and Hospitality on a case-by-case basis
Multi-Family:Apartment Buildings, Garden Apartment Complexes, Multi-Unit Buildings of 5 or more
Rates:Down to 8.99
Guarantees:Full Recourse
Underwriting Requirements:Minimum 625 FICO
Minimum Debt Service Coverage of 1.00x
Loan Fees:Alliance - 1% to 3%
Lender - as low as 1%

The following items are the initial items needed in order for us to review your Conventional Real Estate Loan request.

  1. Completed Loan Application
  2. Personal Financial Statement on all owners
  3. Credit Authorization needed on all owners
  4. Property Financials – most recent year to date profit and loss statement with balance sheet and year end financials or tax returns for the most recent 3 years
  5. Current Rent Roll – if applicable

If there is an existing property appraisal please forward that as well.

These are the initial items that we will need in order to review your loan application. Please complete and then upload all items to our secure online portal.

Questions

If you have questions about the Conventional Fixed Rate Loan Program, please contact us.

Commercial Loan Programs