Loan Programs

Finding the right financing option is crucial for achieving your business goals. Whether you're looking to expand operations, acquire property, or manage cash flow, our loan programs offer tailored solutions to fit your unique needs. With competitive loan-to-value (LTV) ratios, flexible term lengths, and variable interest rates linked to reliable benchmarks, you can choose the program that aligns with your financial objectives. Discover our loan options, including Conventional, SBA 504, CMBS, Bridge, and USDA financing, each designed to support your growth with maximum loan amounts ranging from $10 million to $50 million. Explore specific details and find the perfect fit for your business aspirations today.

A modern bedroom with a bed, chair, nightstands, lamps, large window, and a framed landscape picture on the wall.

1 | SBA 7(A)

The loan-to-value (LTV) ratio for this financing option is capped at less than 90%. Borrowers can secure a maximum loan amount of $10 million. Interest rates are variable, ranging from the Wall Street Journal (WSJ) prime rate plus 0.50% to 2.5%. The loan term options are either 10 or 25 years, with corresponding amortization periods of 10 or 25 years

  • Loan-to-Value Ratio: Less than 90%
  • Maximum Loan Amount: $10 million
  • Interest Rates: Variable, starting from the Wall Street Journal prime rate plus 0.50% and ranging up to 2.5%.
  • Loan Term Options: Choose between 10 or 25 years.
  • Amortization Period: 25 years
A modern bedroom with a large bed, stylish armchair, lamps, and minimalist decor on a light wooden floor, creating a serene ambiance.

2 | SBA 504

For this financing option, the loan-to-value (LTV) ratio must be less than 80%. Borrowers can access a maximum loan amount of $20 million. The interest rate is tied to the 3 or 5-year Constant Maturity Treasury (CMT) rate plus 2.50% or more. Term choices include 3, 5, or 10 years, while the corresponding amortization periods are 20 or 25 years.

  • Loan-to-Value (LTV) Ratio: Up to 90%
  • Maximum Loan Amount: Up to $20 million
  • Interest Rate: Tied to the 3 or 5-year Constant Maturity Treasury (CMT) rate, plus 2.50% or more.
  • Term Options: Choose from 3, 5, or 10 years.
  • Amortization Period: 25 years, corresponding to the chosen loan term.
A modern bedroom features a bed with side tables, a chair, a desk with a lamp, and a bookshelf, showcasing neutral tones and sleek design.

3 | CMBS

This CMBS (Commercial Mortgage-Backed Securities) financing option requires a loan-to-value (LTV) ratio of less than 75%. Borrowers can obtain a maximum loan amount of $50 million. The interest rate is based on the Secured Overnight Financing Rate (SOFR) plus 2.50% or higher. Term options are available for 5 or 10 years, with corresponding amortization periods of 20 or 30 years.

  • Loan-To-Cost (ltc) Ratio: Up To 75%
  • Interest Rate: Variable Rate.
  • Loan Term Options: Choose Between 3 or 5 Years.
  • Amortization Period: Interest only .
A modern bedroom with a large bed, pendant lights, a dressing table, and a circular mirror, featuring wood accents and stylish décor.

4 | Conventional

The loan-to-value (LTV) ratio for this financing option is capped at less than 90%. Borrowers can secure a maximum loan amount of $10 million. Interest rates are variable, ranging from the Wall Street Journal (WSJ) prime rate plus 0.50% to 2.5%. The loan term options are either 10 or 25 years, with corresponding amortization periods of 10 or 25 years.

  • Loan-to-Value (LTV) Ratio: Up to 70%
  • Maximum Loan Amount: Up to $100 million
  • Interest Rates: Variable or Fixed rate option available
  • Loan Term Options: Choose between 10 or 25 years
  • Amortization Period: 25 or 30 years.
A modern bedroom with a low bed, wooden accent wall, abstract art, and warm lighting, creating a cozy and stylish atmosphere.

5 | Bridge

This financing option stipulates a loan-to-value (LTV) ratio below 70%. Borrowers are eligible for a maximum loan amount of $25 million. The interest rate is variable, tied to the Wall Street Journal (WSJ) prime rate plus 1.0% or higher. The loan term is fixed at 5 years, with amortization periods available for either 20 or 25 years.

  • Loan-to-Value (LTV) Ratio: Up to 70%
  • Maximum Loan Amount: Up to $100 million
  • Interest Rate: Variable, linked to the Wall Street Journal (WSJ) prime rate plus 1.0% or higher.
  • Loan Term: Fixed at 5 years.
  • Amortization Period: 25 years.
A cozy bedroom features a low wooden bed, soft bedding, large windows, plants, and elegant lighting, creating a serene atmosphere.

6 | USDA

This financing option requires a loan-to-value (LTV) ratio below 85%. Borrowers can secure a maximum loan amount of $25 million. The interest rate is variable, tied to the Wall Street Journal (WSJ) prime rate plus 0.5% or higher. The loan term is fixed at 5 years, with amortization periods available for either 20 or 25 years.

  • Loan-to-Value (LTV) Ratio: Up to 85%
  • Maximum Loan Amount: Up to $25 million
  • Interest Rate: Variable or Fixed rate
  • Loan Term: Fixed at 25 or 30 years.
  • Amortization Period: Choose between 25 or 30 years.
The image shows a person wearing a beige suit and a striped tie, smiling against a dark background.

Fast and Efficient Financing

"I had an urgent need, and Neville helped me close the deal within 30 days. His expertise inhospitality lending made all the difference. I couldn’t have asked for a smoother process!"

— Rajesh Patel

The GPS of Loans

"Neville helped me close my deal like it was no big deal. Seriously, he’s like the GPS of loans—just a straight path to success without any wrong turns."

— Tejash (Tex) Patel

Expert in SBA 504 Loans

"Neville is a true expert in the SBA 504 loan program. He guided me through every step and closed my deal within 45 days. Highly recommend him for any commercial real estate financing!"

— Harish Shah

Easy USDA 1031 Exchange

"I thought my USDA 1031 exchange was going to be a headache. Neville made it look easy and closed the deal in no time. If you're looking for a loan expert, he’s your guy!"

— Dipak Patel

Quick and Efficient USDA Loan

"Thanks to Neville, I was able to close my $8M USDA loan in a 1031 exchange quickly and efficiently. His professionalism and knowledge of the market are unmatched."

— Kiran Mehta

Master of SBA 7A Loans

"Neville’s skills in SBA 7A loans are second to none. He helped me secure the financing I needed, and the process was faster than I ever expected. Truly a pro!"

— Vijay Kumar

Game-Changer for My Business

"Working with Neville was a game-changer for my business. His deep understanding of SBA loan programs helped me close a deal in record time. I couldn’t have done it without him!"

— Pooja Patel

A True Professional in Hospitality Lending

"I was in a tight spot and needed financing fast. Neville stepped in, and within 45 days, we closed the deal. He’s a true professional in hospitality lending."

— Suresh Desai

Fast and Professional SBA Loan Process

"Neville’s expertise in SBA loans helped me close my deal faster than I ever imagined. I’ll be returning for future financing needs without hesitation. He’s a top-notch professional."

— Amit Shah

Learn more about our services, recent transactions, and insights

YOUR TRUSTED PARTNER