SMALL BALANCE COMMERCIAL LOANS
We specialize in providing small-balance commercial real estate financing for income-producing properties. Our loan programs are designed for quick approvals with less hassle than traditional commercial mortgages.
Stronghill Capital is an established, national, direct lender for various income-producing properties, including most types of commercial real estate. Our commercial mortgage loans serve entrepreneurs seeking financing for collateral such as multifamily, mixed-use, office, retail, warehouse/light industrial, self-storage, commercial condo, mobile home parks, automotive, quick service restaurants, and parking lots/garages.
Whether your borrower is a seasoned investor or a first-time purchaser of commercial real estate, Stronghill has a tailormade solution.
By offering flexible terms and hassle-free underwriting, we provide options beyond those traditionally available in the marketplace. Regardless whether your client is pursuing an acquisition, rate and term refinance or a cash-out, applying for a loan with Stronghill will make the qualification process simpler.
This $1,150,000, 48% LTV, rate & term refinance of a quick service restaurant in Portland, Maine was closed through Stronghill’s Small Balance Commercial loan program. Stronghill was able to structure with a 5-year term, 30-year amortization, and fixed interest rate. This allowed the borrower to pay off a maturing loan and move into long term fixed rate financing.
LOAN TYPE
PROPERTY TYPE
LOAN AMOUNT
LTV
DSCR
TERM
BROKER PAYOUT
Rate & Term Refinance
Quick Service Restaurant
$1,150,000
48%
1.10x
5-year Fixed Amortized over 30-years
$11,500
LOAN AMOUNT
TERMS
RATES
YSP
LOCATION
PROPERTY TYPES
LTV MAX.
DSCR MIN.
AMORTIZATION
PREPAYMENT
RECOURSE
CREDIT SCORE
DEPOSIT & FEES
$500,000 – $5,000,000
5, 7, 10 Years
Competitive Market Rates
Available on a case by case
Nationwide
Multifamily, Mixed-Use, Office, Retail, Light Industrial/Warehouse, Self-Storage, Mobile Home Communities, Investment Residential, Automotive, Daycare, Restaurants (including quick service), Special Purpose (case by case)
75%
1.10x
25 or 30 years; Interest Only options available
Required, but negotiable
Full and Partial
Minimum 660
Required, but varies per transaction
LOAN AMOUNT
TERMS
RATES
YSP
LOCATION
PROPERTY TYPES
LTV MAX.
AMORTIZATION
PREPAYMENT
RECOURSE
CREDIT SCORE
DEPOSIT & FEES
DSCR MIN.
$150,000 – $4,000,000
30 Years
Competitive Market Rates
Available
Nationwide, except SD & ND
Investment Residential (1-4 units), Short Term Rentals,
Multifamily (5-8 Units), Mixed-Use >50% Residential (2-8 Units)
Up to 80% for purchase and rater term refi, up to 75% for cash out
1.00x
30 years; Interest Only options available
Required but negotiable
Full
Minimum 620
Required, but varies per transaction
We follow a reliable, predictable, consistent, and relationship-oriented lending process. Our goal is to work with our broker partners and their clients for the long haul. By offering competitive rates and hassle-free solutions, Stronghill is here to serve as your go to lender.
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Stronghill.com is a website operated by Stronghill Capital, LLC and its subsidiary, Stronghill Funding Inc. By accessing this site and any pages thereof, you agree to be bound by our terms of use and privacy policy. The use of this website does not constitute an application for a mortgage loan or an offer by Stronghill Capital, LLC or Stronghill Funding, Inc. to lend.
Stronghill Capital, LLC and Stronghill Funding Inc. are separate, but affiliated entities. Stronghill Capital, LLC is licensed in AZ (License #: 1041285), CO (mortgage company registration), FL (License # MLD2333 ), ID (MBL-2082321153), MN (MN-MO-2321153 ), ND (MB104136), SC (MLS – 2321153), SD (License/Registration #: 2321153.ML), and TX (mortgage company license and residential mortgage loan servicer registration). Please visit www.nmlsconsumeraccess.org for more licensing information on Stronghill Capital, LLC. Stronghill Funding Inc. is licensed by the California Department of Real Estate (license no. 02091978) and originates and arranges certain business purpose mortgage loans in the State of California. Stronghill Funding Inc. maintains a registered tradename, “Stronghill Capital”. Stronghill Capital, LLC is not licensed in and does not operate in California. Stronghill Funding Inc. may operate in California as “Stronghill Capital”.
All mortgage loan products referenced herein are offered to qualified residential lending institutions only and are not applicable to the general public and/or individual.
This is not an offer to lend. All offers of credit are subject to due diligence, underwriting and approval. Not all applicants will qualify and not all applicants that qualify will receive the lowest rate or best terms. Actual rates and terms depend on a variety of factors and are subject to change without notice.