COMMERCIAL LOAN PROGRAMS

Commercial loans are usually borrowed by an individual or business that wants to purchase a commercial property or take out equity in a commercial building.
This loan is helpful to those that do not have the credit required to qualify conventionally OR need to access cash quickly in order to ensure they do not miss out on an investment opportunity. (Traditional Commercial Loans can take up to 12 months to fund in their entirety.)
At Vintage Real Estate Fund, we can loan up to $8M for a commercial loan and typically fund within 30 days!

Commercial properties include:

  • Multi-Family
  • Office
  • Retail
  • Industrial-Use
  • Flex Office Warehouse

No Specialty-Use Properties, i.e. churches & restaurants

  • $1M – $8M
  • $8M – $12M (Upon qualified approval)
  • Min. 6-12 Months
  • 12+ Months
  • Max. 3 Years

Up to 80% loan-to-value
With a minimum 10% debt yield

  • BRIDGE
    Interim/bridge loans are used to compliment the mortgage banker’s traditional, long-term lender relationships with a faster-closing, flexible, interim loan product intended to provide a bridge until a property stabilizes and conventional long-term financing can be obtained.
  • REFINANCING
    Loans used to finance purchases and refinancing of purchase transactions that need to close quickly, as well as refinancing of properties with maturing loans that need additional time to obtain long-term financing.
  • SBA – 504
    Quick, 90-day SBA-504 second mortgage interim loans.

Interested in Determining if a
Private Commercial Loan is Right for You?


CLICK HERE TO INQUIRE!


Acquisition
Loans

Acquisition loans are used to acquire a property.
It is solely based on the value of the property, not the potential value.
Banks assess value much different than private lenders, who look beyond the as-is state and are more willing to lend on these properties.

Various Stages of
Construction or Project

Unexpected costs arise…
Depending on the severity of the cost during the construction phase and / or lending process,
Private Funding can be the easier, faster solution to keeping things on track throughout both your project’s progression or the funding of your loan.

Between A&D
Phases or Funding

One of the most common uses for private funding in commercial investments!
A&D loans cover both the acquisition of the land as well as the development of the property.
Bridge loans can sustain the fluidity of the project through these phases before construction begins.

Development
Loans

A development loan is used to fund the necessary improvements to convert raw land into improved, individual parcels of land for residential or commercial use.
It can also include the installation of sewer, water, or power lines.

Bridge Loan Programs | Vintage Real Estate Fund, Utah Mortgage Loan Lender

COMMERCIAL BRIDGE LOAN

Interim/bridge loans are used to compliment the mortgage banker’s traditional, long-term lender relationships with a faster-closing, flexible, interim loan product intended to provide a bridge until a property stabilizes and conventional long-term financing can be obtained.

Commercial Loan Programs | Vintage Real Estate Fund, SLC Utah Lender

COMMERCIAL REFINANCING

Loans used to finance purchases and refinancing of purchase transactions that need to close quickly, as well as refinancing of properties with maturing loans that need additional time to obtain long-term financing.

Construction & Land Mortgage Lending Programs | Vintage Real Estate Fund, SLC Utah Lender

SBA – 504

Quick, 90-day SBA-504 second mortgage interim loans.
The US Small Business Administration 504 Loan is designed to provide financing for the purchase of fixed assets, which usually means real estate, buildings and machinery.

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