Loan Types
Bridge Loans
Bridge loans are short-term financing options designed to bridge the gap between a current need for capital and a more long-term solution. These loans provide quick access to funds for various purposes, such as property purchases, refinancing, renovations, or business expansions.
Cash-Out Refinance
Cash-out refinance involves refinancing an existing loan with a new loan that provides additional funds. This can be done to access equity in the property, consolidate debt, or finance improvements or expansions.
DSCR Loans
A DSCR loan is a type of commercial real estate loan where the lender determines the borrower’s ability to repay the loan based on the property’s net operating income (NOI) relative to the loan’s debt service. This means the lender focuses on the property’s income-generating potential.
Commercial Loans
Commercial loans are financial products designed to provide funding for businesses. These loans can be used for various purposes, such as purchasing equipment, expanding operations, refinancing debt, or acquiring property.
Rental Portfolio Loans
A Rental portfolio loan is a type of mortgage loan used to finance a group of properties, these can be residential, mixed-use, or commercial or combination thereof.
Unsecured Loans
An unsecured loan is a loan that does not require any collateral to secure it. This means the lender is relying solely on the borrower’s creditworthiness to assess the risk of the loan.
Asset Based Lending
Asset-based lending is a type of financing where a lender provides a loan based on the value of a borrower’s assets. This can include inventory, accounts receivable, or equipment. The loan amount is typically a percentage of the value of the assets.
Joint Venture Equity
Joint venture equity funding involves two or more entities combining their resources to form a new business venture. In this arrangement, each partner contributes assets, expertise, or capital to the venture. The resulting profits and losses are shared according to the agreed-upon equity structure.
Cannabis Funding
Cannabis funding refers to the financial support provided to businesses within the legal cannabis industry, including cultivation, distribution, and retail operations. Funding can be used for various purposes, such as expanding operations, purchasing equipment, or covering operational costs.
Business Loans
Business loans provide financial support to businesses for various purposes, such as purchasing equipment, expanding operations, or refinancing debt. They come in different forms, including term loans, lines of credit, and SBA loans.
Hard Money
Hard money loans are short-term, high-interest loans often used in real estate investing. They provide quick funding for property purchases or renovations, but come with higher interest rates and shorter terms than traditional mortgages. These loans are typically secured by the property being financed.
Private Lenders
Private money lenders are a type of financing provided by individuals or groups, rather than traditional financial institutions. These loans often offer more flexibility in terms of underwriting requirements and loan terms. However, they typically come with higher interest rates.
Construction Loans
Ground-up construction loans are short-term financing options used to fund the construction of a new building from the ground up. These loans typically have higher interest rates than traditional mortgages, but offer the flexibility to draw funds as needed throughout the construction process.
Real Estate Project Financing
Real estate project funding involves securing financial resources to support the development, construction, or acquisition of a property. It can involve a variety of funding sources, including loans, equity investments, government grants, and private partnerships.
Business Lines of Credit
Business lines of credit are revolving credit agreements that provide businesses with access to funds as needed, up to a pre-approved limit. Can be used for various business purposes, such as purchasing inventory, covering payroll, or paying unexpected expenses.