CORE

Business Flex Loans

Short-term capital for business-use real estate. Use this program for acquisitions, STR-friendly properties, or refis of primary or investment homes when all proceeds are strictly for business purposes (working capital, investment, repairs, payoff of business debt). Fast underwriting, interest-only payments, and clear exit paths—sell, refinance, or season for DSCR/agency later.

Best for

• Acquiring or refinancing business-purpose real estate
• STR-friendly properties (where permitted)
• Cash-out refis of primary or investment homes when funds are used only for business
• Short runway to sale, recapitalization, or DSCR/agency take-out

Leverage at a glance

• Up to 75% LTV on purchase or rate/term
• Typically around 70% LTV on cash-out

Terms

• 6–24 month loans
• Simple 3-month extensions available
• Interest-only payments

Collateral focus

• Non-owner-occupied 1–4 unit properties
• Condos & PUDs
• STRs allowed where permitted by local rules

DSCR is not the main driver here—deal story, business use of funds, and a credible exit plan lead the decision.

Borrower profile

• Entity borrower with personal guaranty (PG)
• Around 640+ FICO (exceptions considered)
• Verified liquidity and reserves

Exploring a business-purpose or short-term bridge scenario? Use Loan

lAI below ↓ and start with “Business Purpose / Bridge” so we can structure the deal with you in chat.

Bridge Loans

Short-term, event-driven capital to get you from A to B. Use Bridge for fast acquisitions, partner buyouts, rescue capital, value-add/lease-up, seasoning before agency or DSCR take-out, and time-sensitive refis. We move quickly with practical underwriting and interest-only payments to keep cash flow strong.

Best for

• Fast acquisitions and time-sensitive refis
• Partner buyouts and rescue capital
• Value-add / lease-up plays
• Seasoning before agency or DSCR take-out

Leverage at a glance

• Up to 75% LTV on purchase or rate/term
• Typically around ,70% LTV on cash-out
• Can include interest and closing cost reserves if leverage allows

Terms

• 6–18 month loans
• Simple 3-month extension options
• Interest-only payments

Collateral focus

• Non-owner-occupied 1–4 unit properties
• Condos & PUDs
• Small multifamily / mixed-use by exception
• Light CapEx OK; inspection-based draws available

Underwriting that flexes

• Entity borrower with personal guaranty (PG)
• 620–640+ FICO (exceptions considered)
• DSCR is not the primary driver—deal story, exit path, and equity position drive the decision

Need capital to get from A to B? Drop your bridge deal into below ↓—tell us the property, payoff, and exit plan and we’ll walk you through options in chat.