From $500K to $3 Million

Small Balance Commercial Loan Program

At Kram Capital, we understand the significant impact that Small Balance Commercial loans can have, serving as a vital resource for aspiring entrepreneurs, established business proprietors, and real estate investors striving to bring their commercial property visions to life. These specialized loans are designed to address the distinct requirements of smaller commercial transactions, providing a clear route to business expansion and real estate acquisition. Explore the realm of small balance commercial loans and uncover how they have the potential to transform your business aspirations into concrete reality.

What are Small Balance Commercial Loans?
Small balance commercial loans are financial solutions tailored to the financing requirements of smaller-scale commercial properties. These properties often include multifamily dwellings, mixed-use buildings, retail spaces, and more. Unlike larger commercial loans, small balance loans are specifically designed to provide accessible funding for projects that might not meet the criteria for traditional commercial financing.

The Advantages of Small Balance Commercial Loans


Small balance loans are easier to qualify for, making them an ideal choice for businesses and investors with limited resources or credit history.

Streamlined Process:

The application process is typically more straightforward and faster, allowing you to secure financing efficiently.


These loans can be used for various purposes, including property acquisition, refinancing, renovations, or business expansion.

Competitive Terms:

Small balance loans often come with competitive interest rates and terms, enabling you to maximize your return on investment.

Common Uses for Small Balance Commercial Loans:

Property Acquisition:

Purchase smaller commercial properties or expand your real estate portfolio.


Secure better terms by refinancing existing commercial loans.


Fund property upgrades and improvements to enhance asset value.

Business Expansion:

Obtain capital to grow your business, open new locations, or increase your commercial property holdings.

Qualifying for Small Balance Commercial Loans:

While requirements may vary among lenders, here are some common qualifications:

  • Creditworthiness: A reasonable credit score is typically required to secure these loans.
  • Property Stability: Lenders prefer properties with a steady income stream and occupancy.
  • Financial Capacity: Demonstrating the ability to cover loan payments is crucial.
  • Collateral: The property itself often serves as collateral.

We offer several structures to meet the borrowers specific and unique 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

Are you ready to scale your real estate investment business?
Get in touch with us now!

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Office: (470) 447-2077
Fax: (470) 447-2078
3379 Peachtree Road, Suite 555
Atlanta, GA 30326
Monday-Friday: 9am to 5pm
Saturday, Sunday — closed