LOAN SOLUTIONS

 

In this section, we present our innovative loan solutions for four specific areas of real estate and business lending. These are not "off the shelf" programs. In these times, it is necessary  to

underwrite each loan in recognition of the current and recovery profile.

COMMERCIAL REAL ESTATE LOANS

Beyond the Banks' Real Estate Loan Programs offer "make sense" loans for a wide variety of purposes, including economic hardship and distress asset acquisitions; 

  • All types of commercial assets, nationwide

  • EZ Qualifier loan guidelines 

  • for Purchases, refi, cash out & bridge 

  • for Owners to stabilize assets

  • for Owners to avoid cash calls

  • for Buyers of distress assets, fast close 

  • for Buyers of non-performing notes

  • Up to 70% loan to value

  • Start pay rates as low as 5%

  • Also, Hard Money Loans; 2nd mortgages

  • Loans from $500,000 - $20 million

LOANS ON EQUITY IN OWNERSHIP STRUCTURE

All types of commercial properties have been crushed by the pandemic. Owners are under pressure to preserve their assets and retain their tenants, but cannot get a cash out refi which may be needed to avoid a cash call to cover expenses or create reserves. This unique program can become a solution that banks cannot fund:  

  • Loans on Equity in ownership structure 

  • Against Class A Preference shares 

  • All types of Commercial Assets

  • Nationwide 

  • Loans to 70% of property value

  • Loans to whole or partial ownership

  • Rate range  6%+, higher on partial shares

  • Term can be up to 10 years.

  • No personal guarantees possible

1ST AND 2ND MORTGAGE & FIXER PROGRAMS

Our Hard Money Loan Programs offer the following guidelines:

  • EZ qualifiers. Fast underwriting

  • 1st an d 2nd Trust Deeds

  • Up to 70% loan to value

  • 1- 3 year term, options

  • For non-owner occupied houses & "Fixers"

  • For all commercial property types

  • Rates begin at 7.5%

  • Terms to 3 years

  • $200,000 - $10 million

 Call to discuss best program to suit your needs

BUSINESS LOAN PROGRAMS

Beyond the Banks' Small Business Loan and Financial Products offer a wide range of loans for many business needs, such as: 

  • SBA Loans

  • Short-term Working Capital Loans,

  • Merchant Cash Advances (MCA),

  • Equipment Financing, 

  • A/R Financing,

  • Factoring,

  • Purchase Order Financing,

  • Business Expansion Loans,

  • Tenant Improvement Reserves, and more.

 

In many cases, the small business borrower's qualifications can be approved with less hurdles than any bank. In addition, funding time frames are significantly shorter