The financing I actually work with.
Buying or expanding a business.
If you're buying a business, expanding one, buying the building your business operates out of, or refinancing debt that's cramping cash flow — SBA and owner-occupied CRE are usually where the real value is. The trap is that most banks that “offer SBA” close a handful of loans a year. I know which lenders actually specialize.
- SBA 7(a) — business acquisition, partner buyouts, expansion, working capital, refinancing higher-cost debt. The workhorse of small business lending.
- SBA 504 — owner-occupied real estate and heavy equipment. Long-term fixed rates, low down payment structures for the right scenarios.
- Conventional owner-occupied CRE — when SBA isn't the best fit or you don't qualify, there are lenders who understand your business and will structure real estate financing around your operating cash flow.
- Equipment financing & working capital lines — short-cycle capital for equipment purchases and operating needs.
Buying or refinancing income property.
Investment CRE — multifamily, retail, office, industrial, mixed-use, self-storage, hospitality. Each lender has a “box”: the property types they like, the leverage they'll go to, the geographies they touch, the sponsor profile they underwrite. When a lender's box gets full or their appetite shifts, a good deal starts getting declined for reasons that have nothing to do with the deal itself.
- Acquisition financing — stabilized income property across asset types. Portfolio banks, agency (for multifamily), CMBS, and life co when the deal fits.
- Refinance — cash-out, rate-and-term, and coming out of maturing debt. Timing matters; get eyes on it 6–12 months before the maturity.
- Bridge & value-add — interim capital for repositioning, lease-up, or bridge-to-agency scenarios where a bank isn't going to move in time.
DSCR, fix-and-flip, bridge.
Investor programs are a different lending world than conventional bank lending. Underwriting is asset-focused, not borrower-focused. If your tax returns don't reflect your real income, or you're building a portfolio faster than a bank can keep up with — the right non-QM lender is often a better fit than the local bank you already have a relationship with.
- DSCR rental loans — qualify on the property's cash flow, not your W-2 or tax returns. Portfolio, purchase, cash-out refi.
- Fix-and-flip — short-term financing for acquisition and rehab. Speed and reliability matter more than the last quarter of a point on rate.
- Bridge & hard money — time-sensitive closings, non-standard scenarios, and interim capital when a longer-term takeout is the plan.
Bring me the deal.
Fifteen minutes on the phone. No documents, no pitch. You'll leave the call knowing where your deal fits and what a realistic path looks like.
Book a 15-Minute Call → Free. No obligation. Serious inquiries only.