Commercial Loan Programs
All commercial loan programs at CapitalAx. SBA, bridge, DSCR, construction, hard money, and more. 350+ lenders, nationwide coverage.
- Commercial Mortgage: Lock in long-term rates on income-producing properties. We place permanent debt through 350+ banks, CMBS conduits, credit unions, and life insurance companies, with loan amounts typically from $500K to $100M+.
- Bridge Loans: When the deal won't wait for a bank's timeline, bridge financing gets you to the closing table fast, then you refinance on your terms.
- Hard Money Loans: When a bank says no or drags its feet, hard money fills the gap. Underwriting is built on the asset, closings happen fast, and the deal itself matters more than what your tax returns say.
- Fix and Flip Loans: Fix and flip loans cover the acquisition and the rehab budget in a single facility, with draws tied to construction milestones and terms built for speed.
- Construction Loans: New builds don't fund like stabilized properties. Construction loans release capital in draws as work progresses, and the right structure keeps your project on track.
- DSCR Loans: DSCR loans come down to one question: does the property's income cover the payment? If the math works, you qualify, no matter how tangled your personal finances look.
- Agency Loans: The most competitive permanent financing in commercial real estate comes from government-sponsored enterprises. Non-recourse, 30+ year terms, and rates that conventional lenders rarely match.
- CMBS Loans: CMBS financing brings non-recourse, fixed-rate debt to stabilized properties in every asset class, with underwriting flexibility that most portfolio lenders can't match.
- Life Company Loans: Life companies hold the lowest fixed rates and longest terms in commercial real estate, reserved for the borrowers and properties that clear their conservative underwriting.
- SBA Loans: Government-backed lending with longer terms, lower down payments, and rates that make real business plans pencil out.
- USDA Loans: Lower rates, longer terms, and up to 80% guarantee through the USDA Business & Industry program. If your property is outside a major metro, this program could save you tens of thousands.
- Business Acquisition Loans: Business acquisition financing through SBA, conventional, and private capital, structured to get the deal done with the least cash out of your pocket.
- Equipment Financing: Buy the crane, the fleet, the medical equipment, or the tech infrastructure. Pay for it over time. Keep your cash in the business.
- Working Capital Financing: Payroll is Friday. The inventory order is due Monday. You need capital now, not at the end of a long bank process.
- Franchise Financing: Franchises come to the table with something lenders love: a proven model, a known brand, and years of franchisor performance data. That track record usually earns you better terms.
- Business Line of Credit: Draw what you need, pay interest only on what you use, and have the line ready for the next opportunity. No new application every time.
- Accounts Receivable Financing: Your customers owe you money. You need it now, not in 60 days. AR financing converts receivables into working capital within 24-48 hours.
- Business Credit Card Stacking: Access unsecured revolving credit across multiple business card issuers at 0% introductory rates. The lines report to business credit bureaus and build your company's credit profile as you use them.
- Startup Funding: Traditional lenders want two years of financials you don't have yet. We connect startups with capital sources that fund based on your plan, your credit, and your commitment.
- Mezzanine Financing: When senior financing generally stops at 65% to 75% and you don't want to write a larger equity check, mezzanine debt closes the difference and generally takes total leverage to 85% to 90%.
- Commercial Refinance: A wave of commercial loans written in the low-rate years is coming due. Refinance early to lower your payment, pull out equity, or replace maturing debt on your own timeline.
- Portfolio Loans: Stop juggling a separate loan on every property. A blanket portfolio loan finances five or more assets under a single facility, underwritten on the portfolio's cash flow.