★★★★★ 4.8 Google Reviews   |   ✓ Direct Lender Since 1998   |   ✓ No Upfront Fees   |   ✓ 48-Hour Approvals   |   ✓ All Credit Welcome
Direct Lender Since 1998 • 45 States • 877-895-3634

Commercial Loan Programs & Rate Sheets

Current rates from our direct lending desk — updated June 2026. No broker markup. No upfront fees.

Current Rates — Direct Lender, No Markup

Program Rate Max LTV Term Min Loan
SBA 504 / 7(a) Best Rate 6% – 7% Up to 90% 10–25 yr $250K
30-Year Fixed 7% – 8.5% Up to 75% 30 yr $150K
DSCR Investor Loan 7% – 9% Up to 75% 5/1 ARM – 30yr $150K
Stated Income 8% – 11% Up to 65% 1–30 yr $100K
Cash-Out Refinance 8% – 11% Up to 65% 6 mo – 10 yr $150K
Bridge Loan 9% – 12% Up to 70% 6–24 mo $200K
Hard Money 9% – 13% Up to 70% 6–24 mo $100K
Construction 9% – 12% Up to 70% LTC 12–24 mo $250K
Church / Non-Profit 7% – 10% Up to 65% 5–20 yr $200K

How to Get Your Quote

1
Download & Fill
1-page Executive Summary. 5 minutes. Include your 3 credit scores — no SSN needed.
2
Email It Back
Send to application@proton.me. No portal, no account, no phone call required.
3
Get Written Quote
Same day: LTV, rate, term, estimated closing costs — in writing. Shop it anywhere.

Downloads

📤
Executive Loan Summary
Start here. Fillable PDF — enter your deal info and 3 credit scores. Email it back for a same-day quote.
↓ Download & Fill
📄
Hard Money / Fix & Flip App
Fast closings. All credit OK. No tax returns required. 7–14 day close.
↓ Download
💵
Stated Income App
Bank statements accepted. No tax returns needed. Self-employed OK.
↓ Download
🏠
30-Year / SBA / Conventional
Good credit, tax returns available. Lowest rates, longest terms.
↓ Download
💼
Working Capital App
Business capital, equipment, payroll, expansion. Separate from real estate.
↓ Download

Ready to Get Your Quote?

Download the Executive Summary, fill it in (5 min), and email it back. Same-day response. No credit pull.

👆 See How It Works → ✉ Email application@proton.me
No credit pull No upfront fees No obligation Direct lender since 1998
Prefer to talk? Call 877-895-3634 • Mon–Thu 9–5 · Fri 9–12 CT