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Thank you for your interest in the Small Business Loan Programs offered through Alliance. We understand and relate well with Small Business Owners across the U.S.

The majority of the  loans closed through Alliance will typically fit under one of the below Commercial Loan Programs.

As always should you have any questions about Alliance or the Loan Programs offered by Alliance please do not hesitate to Contact Us.

We appreciate the opportunity to assist you with all of your Small Business Financing needs.

Small Business Loan Programs

The following loans are loans that are have a Government Guarantee for a portion of the loan amount. These loans are primarily for Owner/Operated Small Businesses and are secured by Real Estate and or other Business and Personal Assets.

Click on the specific Loan Program to view details.

SBA Loans

The SBA 7(a) Loan Program is the SBA’s most popular loan.

SBA 7(a) Loans are available through Alliance Business Capital from $350,000 to $5,000,000

Some Benefits of the SBA 7(a) Loan include:

    • Long repayment terms – reducing monthly payments
    • Frees up cash to expand your business
    • Low down payment of as little as 10% on multi-purpose real estate acquisitions and as little as 15% on single-purpose real estate acquisitions
    • Financing available for most industry types including: hotel/motels, gas station/convenience stores, restaurants, assisted living facilities, and day cares to name a few

For more information on the SBA 7(a) Loan Program please view the below Loan Flyer and feel free to Contact Us with any questions or to Apply for a SBA Loan.

Loan Flyer

SBA 7(a) Loan Flyer

SBA 504 Loans

SBA 504 Loans available through Alliance for up to $15,000,000

Some Benefits of the 504 Loan include:

  • Low down payment of only 10%
  • Long repayment terms – reducing monthly payments
  • Many rate options including long term fixed rates
  • Frees up cash flow to expand your business
  • Associated fees and soft costs may be financed in the loan

For more information on the SBA 504 Loan Program please view the below Loan Flyer and feel free to Contact Us with any questions or to Apply for a SBA Loan.

Loan Flyer

504 Loan Flyer

USDA B&I Loans

USDA B&I Loans are strictly for rural areas with populations of < 50,000. The property must be located in a designated eligible area for consideration under the USDA B&I Loan Program.

Acceptable Use of Proceeds on a USDA B&I Loan:

  • B&I Loans may involve acquisitions, construction, conversion, repair, modernization or debt refinance
  • Loan proceeds can be used for real estate acquisition and/or improvements, machinery, equipment, furniture, fixtures and working capital
  • Closing costs and guarantee fee

For more information on the USDA B&I Loan Program please view the below USDA B&I Loan Flyer and feel free to  Contact Us with any questions.

Check to see if your Property is in a USDA Eligible Area

USDA B&I Eligibility Check


USDA Loan Flyer

USDA B&I Loan Flyer

SBA Construction Loans

Alliance is pleased to now be able to consider Construction Loans under the following criteria:

Basic Criteria:

  • Maximum Loan Amount is $5 Million on SBA 7(a) Loans and $15 Million on SBA 504 Loans
  • Maximum Loan to Value is 75% – typically you must have a minimum 30% verifiable capital injection into the project
  • Must have outside income from other properties
  • Must have SBA full eligibility – no open SBA Loans
  • Must have good liquidity
  • Must have good experience as owner/operator

Typical Loan Fees:

  • 1 to 1.5% Construction Loan Fee – paid to Bank
  • SBA Guaranty Fees Apply
  • Third Party Reports

Other Criteria:

  • Bank must approve Contractor
  • Contractor must have a Payment and Performance Bond for the Project
  • Additional conditions may apply upon Bank reviewing complete package

The SBA has produced several videos that are designed to explain Small Business Loan Programs available through the SBA. These videos may help you to have a better understanding of how an SBA Loan works.

View SBA Videos

In addition to the above Government Insured Loans Alliance also offers the following Small Loan Programs for our borrowers. The below loans are from a mix of different loan products from different Investors that Alliance works with to better serve you.

Click on a specific Loan Program to learn more details.

PRODUCT SUMMARY
Conventional Loans Loan Sizes $500,000 to $7,500,000
1st Lien Position

Property Types
MULTI-USE PROPERTIES – Warehouse, Office, Industrial, Medical, Flex, Auto Body, Office Condo, Retail, Restaurant

SPECIAL-USE PROPERTIES – Hospitality, Mini Storage, Cold Storage, B&B, Funeral Home, Bowling Alley, Urgent Care, Surgery Center, Auto Repair, Car Dealership, Wineries, Gas Stations, Assisted Living Facilities

Eligible Projects
Purchase, Refinance, and Refi Cash Out

Rate Types
Up to 5 Year- Fixed Rates Available

Prepayment Penalty
Up to 5 Years

Loan Terms
Up to 10 Year Term and up to 30 Year Amortization

Loan Fees
0% – 1% may be charged by the Lender
1% – 2% may be charge by Alliance (depending on loan size)

Minimum DSC
1.00:1 – Multi Use
1.20:1 – Hospitality
1.25:1 – Special Use

Maximum LTV
70%

Minimum Credit Score
650

Eligible Areas
Nationwide – Typical population areas of > 100,000

Note
Some of the above property types may not currently be available depending on lenders portfolio at the time of application.

This Investor offers Commercial Investment Loans in Major Markets Nationwide (typically with populations of > 150,000)

Loan Amounts
$750,000 to $10,000,000

Eligible Property Types
Office, Retail, Industrial, Self-Storage, Single Tenants and Mixed-use Commercial Real Estate

This lenders loan program has been designed specifically to exceed the expectations of the experienced borrower, the advantages of this lenders investment financing are:

Leverage
Up to 75% of appraised value

Eligible Loan Purpose
Purchase, Refinance or Cash-out

Terms

  • 5 Year Fixed
  • 5 Year I/O Fixed
  • 7 Year Fixed
  • 10 Year Fixed
  • 5 Year I/O + 5 Year Fixed

Recourse
May not be Requied

Prepayment Penalty
Step Down Prepay, Flat Prepay, Yield Maintenance

Rates
From 5.75%

Amortization

  • Interest-only
  • 15, 20, 25 & 30

Debt Service Coverage
Min 1.25x (UW NOI)

Loan Fees
0% to 1% to Lender
1% to 2% to Alliance (depending on loan size)

Other Factors

  • Quick closings
  • Loan amounts too small for CMBS
  • Properties without historic financials considered
  • Foreign national borrower
  • Properties that do not meet conventional underwriting criteria
  • Lower occupancy with strong cash flow

This lender offers a No Tax Return financing program for Investment Residential and Commercial Properties.

Lending Territory
Nationwide, with populations >/= 100,000 within a 20 mile radius of subject property, except for the following States – AK, MN, ND, SD, VT, IL and MI

Loan Amounts
$100,000 – $5,000,000
Investor 1 Unit = Maximum Loan of $750,000
Investor 2-4 Unit = Maximum Loan of $2,000,000

Eligible Property Types
This lender offers 3 different loan programs.
Investor 1-4 Family:

  • Non-Owner Occupied SFR
  • Condo
  • 2-4 Unit

Traditional I

  • 5+ Unit Multi-Family
  • Mixed-Use

Traditional II

  • Office
  • Retail
  • Warehouse
  • Self-Storage
  • Automotive Service (no gas station)

Amortization
30 Year fully amortized loan

Rates
Depend on Credit Score, Initial Fixed Rate Period and Loan to Value but typically run from 7.5% to 9.5%
Rate add-ons may apply in certain States or on loan amounts of < $250,000

Rate Structure
Loans are fixed for first 3 or 8 years after which they will become a yearly adjustable rate based on WSJ Prime + 4% with rate caps of 2/1/6

Minimum Credit Score
650 based on middle score

Prepayment Penalty
Traditional Loan Programs
3 Year Prepayment Penalty on the 3 Year Fixed Rate Program – 5%,5%.5%
5 Year Prepayment Penalty on the 8 Year Fixed Rate Program – 5%,5%,5%,5%,5%
Investor 1-4 Family
3 Year Prepayment on the 3 Year Fixed Rate Program – 3%,3%,3%
5 Year Prepayment on the 8 Year Fixed Rate Program – 3%,3%,3%,3%,3%

Escrows
Required for Property Taxes and Insurance

Required Documentation:

  • Detailed 1003
  • Property Operating Statement for most recent 3 Year Period
  • Copy of Purchase Contact if loan is for a new purchase
  • Digital Photos of the Subject Property – Interior/Exterior or a copy of recent Appraisal
  • Current Rent Roll and copy of Leases

Please note that these are the general guidelines only as provided to Alliance by Lender. Programs are subject to change at Lenders sole discretion.

Alliance works with a handful of reputable Bridge Lenders. The below loan program is for larger Bridge Loans and designed for experienced borrowers with a clear exit strategy.

Lending Terriorty
Available in major markets nationwide with population >/= 150,000

Loan Amounts
$5,000,000 to $25,000,000 (larger on a case by case basis)

Property Types
Multifamily, Office, Retail, Industrial, Self-Storage, Mixed-Use, Single Tenant

Loan to Value
Up to 80%

Loan Terms
1 to 3 Years plus extensions up to 5 Years

Rates
Interest Only, Floating and Fixed Rates

Required Debt Service
No minimum DSCR or DY required

Additional Advantages

  • Non-recourse available
  • 2- & 3-year terms, up to 5-year floating
  • Quick closings
  • Lease-ups
  • Foreclosure purchases
  • Discounted payoffs
  • Refinancing maturing loans
  • Properties that do not cash flow
  • Tenant improvement & leasing commission future funding
  • Foreign national borrower
  • Construction loan take-outs
  • Re-position of a property
  • Rehabilitation financing
  • Opportunistic purchases
  • Non-stabilized properties without historic financials

Note
The above guidelines are general guidelines only and are subject to change at Lenders sole discretion. If you have any questions or would like to apply for a Bridge Loan please Contact Us or Apply Online

Coming Soon

Alliance works with 2-3 Hard Money Lenders however these loans contain high interest rates and substantial loan fees and should only be considered if it is the only alternative for your current situation.

Typical Interest Rates
12% to 18% or higher

Typical Loan Term
1-2 Years

Typical Loan to Value
Maximum of 50% to 60% of Appraised Value – depending on property type, property condition, location etc.

Typical Loan Fees
Lender Fees – 3% to 6% of Loan Amount
Alliance Fees – 3% to 5% of Loan Amount plus Non-Refundable Application Fee of $500
Other Fees include Appraisal, Environmental and Closing Fees

Typical Loan Amounts
$100,000 to $1,000,000

Property Types
Most propety types considered with the exception of Owner Occupied SFR’s

Lending Terriorty
Nationwide with populations =/> 50,000

Note – The above guidelines are merely to give you an idea of what the costs and terms are associated with a Hard Money Loan. These are general guidelines only and vary from Lender to Lender and are subject to change without notice. Alliance Business Capital urges you to consider any other options that may be available to you before taking out a Hard Money Loan.