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- Complete Program
- Express Program
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Complete Program
Express Program
- Compare Our Loans
Complete Program
Ideal For:
- Borrowers who can get a bank loan but don't want the hassle
- Borrowers who are willing and able to fully document income
- Borrowers with sufficient income and assets whose property doesn't cash-flow
Program Benefits:
- Borrow up to 80% LTV for owner-occupied properties
- Longer terms and faster closings
Program Highlights:
- Focus on credit and income rather than property cash-flow
- Residential-style underwriting
- Unlimited cash-out refinancing
Eligible Property Types:
- Apartment Buildings /
Multifamily (5 + units) - Mixed-Use
- Office
- Retail
- Warehouse
- Mobile Home Park
- Light Industrial
- Automotive Services
Types of Financing:
- 2, 5 and 7-year fixed, then adjustable
- Fixed rate
Loan Terms:
- 15, 20 and 30-year fully amortizing loans
Fees:
- $495 processing fee
- $500 underwriting fee
- All third party costs including Appraisal, Title, Environmental Insurance and Survey (if required) are paid by borrower
Commercial Direct Advantage:
- No loan committees
- No ongoing financial reporting or covenants
- No limit on loans to single borrower
- No reliance on property cash-flow for mortgage approval
- No deposits required
- Assumable loans at no cost
Express Program
Ideal For:
- Borrowers who are unable or unwilling to show tax returns
- Borrowers who are unable to secure a loan through a bank
Program Benefits:
- Up to 75% financing on owner-occupied properties
- Up to 70% financing on investor properties
- Allows for cash businesses
- No tax return or financial statements required for underwriting
Program Highlights:
- Focus on property and credit
- Flexible underwriting
- Streamlined documentation
- Speed and ease
Eligible Property Types:
- Apartment Buildings /
Multifamily (5 + units) - Mixed-Use
- Office
- Retail
- Warehouse
- Mobile Home Park
- Light Industrial
- Automotive Services
Types of Financing:
- 5 and 7-year fixed, then adjustable
- Fixed rate
Loan Terms:
- 15, 25 and 30-year fully amortizing loans
Fees:
- $495 processing fee
- $500 underwriting fee
- All third party costs including Appraisal, Title, Environmental Insurance and Survey (if required) are paid by borrower
Commercial Direct Advantage:
- No income or asset verification required
- Less paperwork
- Fast, easy approval process
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This is not an offer to make a loan or to make a loan on any particular terms. All loan applicants must submit a written application and all required documentation. All information submitted by loan applicants is subject to verification. All loan applicants must qualify under our underwriting requirements and satisfy all contingencies of loan approval. Loan approval will be subject to satisfactory appraisal, title review and no change in financial condition. Some loan types may not be available in all jurisdictions. This loan program is subject to change without notice. This loan program is for business purpose and commercial loans only. Copyright 2003 - 2008 Bayview Financial Small Business Funding, LLC. All rights reserved.
