Commercial Loans

Since Merchant Advisors has multiple loan resources, our advisors are always ready to creatively customize a commercial loan that meets your specific needs, and get you needed money fast.

Below, enjoy our broad selection of commercial loans with multiple advantages for you:

Advantages of our Commercial Loans:

• Loans up to $5 Million
• Up to 90% financing on building purchases
• Refinances up to 85%
• Cash out up to 75%
• Minimum 600 average credit score
• Greater than 25% occupancy required
• Preferred pricing for larger loans and lower LTV loans
• Multiple prepayment penalty options
• Minimum 80% stabilized occupancy within the last 90 days
• Affiliate company guarantees not always required
• Seller financing can be part of the down payment up to 90% combined loan to value
• Fully amortized 30-year term with Fixed, Floating and Hybrid Rates available
• Rate locks available

Owner User - Full Doc

• Loans up to $2 million (at 65% LTV)
• Up to 90% financing on building purchases
• Up to 70% LTV on refinances
• Minimum 660 average credit score
• Greater than 25% occupancy required
• No tax returns, financial statements or tax verifications necessary
• Multiple prepayment penalty options

Owner User - Stated Income

• Loans from $650,000 to $5 million
• Up to 65% financing on first trust deed
• Up to 85% CLTV with SBA 504 purchase money loan
• Minimum 600 average credit score
• Prefer limited service or extended stay with interior corridor
• Property should have 2 or more years operating history
• 30-year fixed fully amortized, underwritten at 25 years
• Multiple prepayment penalty options

Hotel Program

• Loans from $650,000 to $5 million
• Up to 65% financing on first trust deed
• Up to 85% CLTV with SBA 504 purchase money loan
• Minimum 600 average credit score
• Prefer limited service or extended stay with interior corridor
• Property should have 2 or more years operating history
• 30-year fixed fully amortized, underwritten at 25 years
• Multiple prepayment penalty options

Investor/Multifamily - Full Doc

• Loans from $500,000 up to $5 million
• Up to 80% LTV on building purchases
• Refinances up to 80% LTV
• Cash-out up to 70% LTV
• Minimum 640 average credit score
• Minimum 80% stabilized occupancy with in the last 90 days

Investor/Multifamily - Low Doc

• Loans up to $3 million
• Up to 80% LTV on building purchases
• Refinances up to 75% LTV
• Cash-out up to 70% LTV
• Minimum 640 average credit score
• No tax returns, financials or tax verification necessary

Investor/Multifamily - Plus

• Loans up to $2 million
• Up to 80% LTV on building purchases
• Refinances up to 80% LTV
• Cash-out up to 70% LTV
• Minimum 640 credit score
• Minimum 80% stabilized occupancy within the last 90 days