Navigate the commercial and residential funding landscape and find resources to grow your business.
Frequently Ask Questions
We offer many different types of loan products for commercial lending and residential investment lending. Our loan programs are designed to suit the need of nearly every Real Estate Investor: Small Balance Commercial, Fannie Mae and Freddie Mac multifamily Agency, HUD Multifamily Agency, Commercial CMBS, Non-Bank Commercial, SBA 504 and SBA 7a, Residential Rental, Exposure Lines of credit, Blanket Loan, Commercial Bridge Loan, Residential Bridge, Multifamily Bridge, Fix N Flip, Fix 2 Rent and Airbnb & Short-term Rental Financing. Please see our loan programs for complete descriptions of each.
We are committed to closing your loan as quickly as possible. Each program is different; however, we can typically close a loan between 14 to 45 days from receipt of your loan request.
Yes, we provide funding for start-up businesses under the SBA loan programs.
Retail, Office, Hotel, Motel, Industrial, Warehouse, Restaurant, Bar, Assisted Living, Self-storage, Multifamily, Apartment, Short-term Rental, Single Family Residential, Automotive, Condos, Townhouse, Child Care Centers, Duplex – 2 unit, Triplex – 3 unit, Quadplex 4 – unit and many more.
The debt coverage ratio (DCR) is the ratio between the property’s Net Operating Income (NOI) for the year and the Annual Debt Service (Principal, Interest annual mortgage payment).
Debt Coverage Ratio = Annual Net Operating Income/Annual Debt Service
Net Operating Income is the property’s gross operating income less the sum of all operating expenses.
Net Operating Income = Gross Operating Expenses (-) Operating Expenses
The Capitalization Rate (Cap Rate) is used to express the relationship between a property’s value and its Net Operating Income (NOI) for the current or coming year.
Capitalization Rate = Net Operating Income/Current Market Value
Value = Net Operating Income/Capitalization Rate
Net Operating Income = Current Market Value x Capitalization Rate
What People Say ?
Thank you for doing such a great job with our loan. You all made the process seamless and that is always appreciated, no matter how complex the process.
Why Choose Us?
KRAM Capital has helped me achieve my growth and financial goals. I’ve used other lenders for both SBA and Conventional loans in the past and there is no comparison as to how smooth and efficient this process was.
Thank you so much!
For any Restaurateur who needs help obtaining the necessary financing for their business, I would truly recommend KRAM Capital.