Multifamily Small Balance Commercial Loan Program
Welcome to Kram Capital, your source for Small Balance Commercial Loans. We the banks and other commercial real estate financing sources say no, explore small balance commercial loan programs. This loan program offers more flexibility when the loan is less than $3 million. These properties often include multifamily, mixed-use, retail, lite industrial, automotive and more.
How are Small Balance Loans typically used:
Property Purchase
Refinancing
Business Expansion
What are Advantages of Small Balance Commercial Loans?
The small balance loan program offers several loans programs to meet the borrower needs:
Full Doc Loan Structure Program
Borrower has strong credit history
Borrower can provide Tax Returns with consistent income
Minimum Fico: 620
Max LTV: 80%
Minimum Loan Amount: $500,000
Lite Doc Investor Loan Structure Program
Borrower reports lower income on Tax Returns
Minimum Fico: 620
Max LTV: 80%
Minimum Loan Amount: $500,000
No Doc Streamline Loan Structure Program
Borrowers can qualify for financing without submitting tax returns, bank statements, or operating statements.
Minimum Fico: 700
Max LTV: 75%
Minimum Loan Amount: $500,000
Bank Statement Loan Structure Program
Borrower qualifying for financing using only 12 months of business bank statements.
Minimum Fico: 650
Max LTV: 80%
Minimum Loan Amount: $500,000
Loan Terms
When it comes to small balance loans, you can expect some seriously competitive terms.
Construction Loans (Agency & Nonagency):
Advantages: Funding for construction, with variable terms.
Minimum Loan Amount: $2,000,000
Borrower Qualification: Key Criteria
Qualification for Small Balance Commercial Loan:
Creditworthiness
Stabilized Property
Financial Strength
Strong Collateral
ARE YOU READY TO SCALE YOUR REAL ESTATE INVESTMENT BUSINESS?
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Fax: (470) 447-2078
Atlanta, GA 30326
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