Home / Loan Programs
Every deal has a loan built for it. Buy, build, renovate or hold. Tell us what you're doing and we'll show the programs that fit, with the terms, requirements and real examples behind each one.
What are you doing? Buy or refi a rental Qualify on the rent Fix and flip Purchase plus rehab Build from the ground up Land and construction Pull cash out Put equity to work Apartments or commercial 5+ units, retail, storage My business's space or gear SBA and equipment All programs Buy or refi a rental Fix and flip Build from the ground up Pull cash out Apartments or commercial My business's space or gear
01
Rental & refinance Rental & refinance
Up to 85% LTV*
Qualify with property cash flow
Rent-ready investment houses, condos and two- to four-unit rentals. Short-term rental eligibility depends on the lender and local use rules.
Leverage Up to 85% LTV on select purchase programs
Structure 30-year fixed and interest-only options
Underwriting Rental cash flow, credit and reserves Read the full guide → : DSCR Rental Loans Rental & refinance
Multiple properties. One structure.*
Consolidate and scale
Investors with multiple rentals, consistent property records and a plan for holding, selling or expanding the portfolio.
Collateral Multiple eligible rental properties
Sizing Portfolio income and individual collateral
Key provision Property release and substitution terms Read the full guide → : Rental Portfolio Loans Rental & refinance
Put equity back to work*
Refinance after stabilization
Investors with completed improvements, supportable income and sufficient equity after the proposed refinance.
Uses Cash-out, rate/term or bridge payoff
Sizing Current value, cash flow and seasoning
Exit products DSCR or commercial permanent financing Read the full guide → : Cash-Out & Bridge-to-Perm 02
Build & renovate Build & renovate
Up to 90% LTC*
Purchase + renovation financing
Experienced renovators with a defined scope, a supportable resale value and enough liquidity to carry the project.
Leverage Up to 90% of eligible project cost
Renovation Up to 100% of approved rehab, within loan limits
Structure Short-term, typically interest-only Read the full guide → : Fix & Flip Loans Build & renovate
Interest-only options*
Move before permanent financing is ready
Business-purpose acquisitions, vacant buildings and near-term refinances with a specific, supportable exit.
Leverage Property and exit dependent
Repayment Interest-only structures available
Exit Sale, stabilized refinance or documented payoff Read the full guide → : Bridge & Hard Money Build & renovate
Up to 90% LTC*
Build to sell or build to rent
Experienced builders with shovel-ready residential projects, documented costs and a defined sale or rental exit.
Leverage Up to 90% LTC in select published programs
Funding Construction draws as work progresses
Interest Drawn-funds structures may be available Read the full guide → : Ground-Up Construction Build & renovate
Finance the next project*
Raw land, entitled sites and finished lots
Investors and developers acquiring or refinancing land for a documented business-purpose project.
Collateral Raw, entitled or shovel-ready land
Sizing Land basis, approvals and exit
Next step Construction, sale or other documented payoff Read the full guide → : Land & Lot Loans 03
Commercial real estate Commercial real estate
Up to 80% LTV*
Five or more units
Apartment acquisitions, refinances and value-add projects, with financing matched to the property’s current operating condition.
Permanent leverage Up to 80% LTV in qualifying agency scenarios
Cash flow Agency example: minimum 1.25x DSCR
Recourse Non-recourse options with carve-outs Read the full guide → : Multifamily Loans Commercial real estate
Purchase or refinance*
Retail · industrial · office · medical
Income-producing commercial properties and business-occupied real estate with documented repayment capacity.
Structures Bank, private, bridge and permanent debt
Sizing NOI, value, tenant quality and sponsor
Owner-user option Compare SBA eligibility where appropriate Read the full guide → : Commercial Real Estate Commercial real estate
One property. Multiple uses.*
Residential + commercial income
Apartments over retail, live-work configurations and other legally permitted combinations of residential and business space.
Property mix Residential and commercial components
Sizing Income by use, vacancy and valuation
Structures Specialist rental, commercial or SBA review Read the full guide → : Mixed-Use Financing Commercial real estate
Acquire, expand or refinance*
Match the loan to the operating plan
Operating storage facilities, lease-up projects, conversions and expansion plans with documented market demand.
Stabilized facilities Commercial bank or specialist financing
Value-add projects Bridge or construction structures
Operating business SBA eligibility review where applicable Read the full guide → : Self-Storage Financing 04
Business & equipment Business & equipment
Up to $5 million*
Real estate, acquisition and working capital
Qualifying operating businesses with a documented use of funds and capacity to repay.
Program maximum Up to $5 million
Uses Eligible real estate and business purposes
Underwriting Business repayment capacity and SBA eligibility Read the full guide → : SBA 7(a) Loans Business & equipment
As little as 10% equity*
Eligible owner-user fixed assets
Eligible businesses acquiring owner-used real estate or qualifying long-life machinery and equipment.
Equity Standard structure starts at 10%
Structure Senior loan + CDC/SBA portion + equity
CDC terms 10-, 20- or 25-year maturities Read the full guide → : SBA 504 Loans Business & equipment
Up to 100% financing*
New or used business equipment
Operating businesses acquiring eligible equipment for productive use, from construction and medical equipment to manufacturing machinery.
Financing Up to 100% in qualifying market programs
Assets Eligible new and used equipment
Structure Loan or lease, subject to review Read the full guide → : Equipment Financing Headline terms are illustrative best-case program features for qualified scenarios, not a loan offer or a confirmed CommFi lender commitment. Availability, proceeds and pricing depend on the lender, borrower, collateral and final underwriting. Maximum leverage, lowest pricing and fastest closing may not be available together.
Run your numbers first. Our deal calculator picks the structure from a few plain questions and shows the loan, payment and cash to close as you go.
Open the calculator →
Pre
Talk to the lending desk. Tell us what you're buying, your timeline and your plan. We'll match the financing route.
Talk to the Lending Desk → CommFi Capital provides commercial financing assistance for business-purpose transactions. CommFi Capital does not provide personal financial planning, investment advice, consumer credit repair, debt-relief services, or owner-occupied residential mortgage loans. CommFi Capital funds through its lending desk partners and in-network lenders. Financing is subject to lender underwriting, eligibility requirements, and final approval. Terms, rates, and availability vary by lender, transaction, property, and borrower qualifications.