• Strong cash flow (typically DSCR ≥ 1.25–1.35)

• Good credit (typically 680+ FICO)

• Established business history

• Liquidity and reserves Industry experience

Loan Amounts:

• Typically $1,000,000 – $75,000,000+

Term Lengths:

• 3–7 year terms (with renewals)

• Up to 25-year amortization (for real estate)

Interest Rates

• Fixed or variable (often lower than SBA)

• Amortization: Typically 20–25 years (real estate)

Down Payment / Equity

• Typically 15%–30%

Owner-Occupied Commercial Real Estate

• Typically 70%–85% LTV

• Most common: 75%–80% financing

• Lower leverage than SBA, but better rates for strong borrowers

Business Acquisitions (Strong Deals Only)

• Typically 60%–80% financing

• Requires strong cash flow, experience, and industry stability

• Higher equity required compared to SBA

Equipment Financing

• Up to 80%–100% financing

• Based on useful life and resale value of equipment

• Often structured as separate term loans or leases

Expansion or Renovations

• Typically 65%–80% LTC

• Based on project scope and borrower strength

• May be combined with real estate financing

Debt Refinancing

• Typically 65%–80% LTV

• Cash-out available depending on equity and performance

• Used to lower rates, improve terms, or restructure debt