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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

Eligible Property Types:
Stabilized and near stabilized
Multifamily, Industrial, Office, Retail, Self-Storage, Manufactured Housing, and Hospitality
Markets:Major markets nationwide
Fixed Rates:From 4%
Loan Size:$3 Million to $25 Million with exceptions
Loan Purpose:Acquisition, Refinance, Recapitalization and cash out
Terms:2-10 year terms
15 year terms on a case-by-case basis
Leverage:75% Maximum LTV
Recourse:Non-recourse with standard carveouts
Prepayment:Declining payments up to 20% of the loan may be prepaid per year without any prepayment penalty
Minimum DSCR:1.25
Interest Only:Full term and partial interest considered on a case-by-case basis
Amortization:Up to 30 years for multi-family, 25 years for other asset types, Interest Only on a case-by-case basis
Origination Fee:Alliance: 1-2%
Lender: 0%
Borrower:Single purpose entity required
Reserves:TI/LC, CapEx as applicable

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.


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

Commercial Loan Programs