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 through 350+ banks, CMBS conduits, credit unions, and life insurance companies. Loan amounts from $500K to $100M+.
- Bridge Loans: When the deal won't wait for a 90 day bank process, bridge financing gets you to the closing table fast, then you refinance on your terms.
- Hard Money Loans: When conventional lenders say no or move too slowly, hard money fills the gap. Asset based underwriting, fast closings, and terms that prioritize the deal over the borrower's tax returns.
- 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 look at one thing: does the property's income cover the debt payment? If the numbers work, you qualify, regardless of how complicated your personal finances are.
- 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: Commercial mortgage-backed securities provide non-recourse, fixed-rate financing for stabilized commercial properties across every asset class, with underwriting flexibility that portfolio lenders often lack.
- Life Company Loans: Life companies offer the lowest fixed rates and longest terms in commercial real estate lending, reserved for borrowers and properties that meet their conservative underwriting standards.
- 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 in 60 days.
- Franchise Financing: Franchises have a built-in advantage with lenders: a proven model, brand recognition, and franchisor performance data. That translates to better loan 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: Build business credit separate from your personal profile and access $50K to $250K+ in 0% introductory rate capital. No collateral, no real estate required.
- 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.