Commercial Real Estate Financing
We Structure the Right Loan So You Can Close Your Deal
From long-term SBA and conventional loans to fast bridge financing — we help you secure the right capital quickly and efficiently, regardless of deal complexity.
SBA 504 & 7(a)
Bridge Loans
DSCR Rental
$250K – $25M+
Fast Closings
Investor & Owner-User
Discuss Your Deal with Ralph →
90%Max LTV on CRE loans
6–7%Conventional loan rates
2–3wkBridge loan closing time
$25M+Max financing available
One Deal. Multiple Financing Paths.
Every commercial real estate scenario is different. Some deals qualify for long-term low-rate financing, while others require speed and flexibility. We analyze your scenario and help structure the best execution for your timeline, property, and goals.
Most popular
SBA 504 Loans
Ideal for owner-occupied properties. Low down payment, long terms, and competitive rates make this the go-to for business expansion and real estate acquisition.
As little as 10% down
Terms up to 25 years
Competitive fixed rates
Lower monthly payments
Owner-user properties
Conventional CRE Loans
Stabilized properties with strong cash flow and experienced ownership. Bank, credit union, and non-bank lenders with competitive structures for qualified deals.
Rates from 6%–7%
Up to 90% LTV
25-year amortization
Fixed or floating structures
Investment & owner-user
DSCR Rental Loans
Qualify based on property cash flow, not personal income. Perfect for real estate investors building or refinancing rental portfolios without W-2 documentation.
No income verification
Based on rental income
Single & multi-family
Portfolio & blanket loans
Investor-friendly terms
Fast close
Bridge Loans
When timing matters most. Bridge lenders often say yes when banks say no — ideal for time-sensitive acquisitions, value-add deals, and properties in transition.
Close in 2–3 weeks
65–75% LTV
Rates 8%–12%
Interest-only payments
Credit challenges considered
Construction Loans
Ground-up construction and major renovation financing for experienced developers and investors with strong project plans and exit strategies.
Ground-up & renovation
Draw-based funding
Experienced sponsors
Clear exit strategy required
Multiple lender options
Cash-Out Refinance
Unlock equity from existing commercial properties to fund business growth, new acquisitions, or portfolio expansion without selling your assets.
Tap existing equity
Fund new acquisitions
Business capital uses
Multiple property types
Competitive structures
Most Requested by Lenders
We work with a wide range of commercial property types. If your property type isn’t listed, reach out — we likely have a solution.
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Multifamily
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Industrial
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Retail
📦
Warehouse
🏨
Hospitality
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Mixed-Use
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Office
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Self Storage
What Sets SFP Loans Apart
Multiple lending sources
SBA, bank, credit union, and private capital — we find the right fit for your deal, not just the easiest option.
Fast feedback on scenarios
We review your deal quickly and give you honest feedback on what’s possible before you waste time on paperwork.
Creative structuring
Complex deals are welcome. We specialize in finding solutions for situations where conventional lenders pass.
Personalized support
You work directly with Ralph — 30+ years of experience — from first call through closing.
No-cost consultation
We review your scenario at no charge. If we can help, we’ll tell you exactly how. If we can’t, we’ll tell you that too.
$250K to $25M+
We work across a wide range of deal sizes — from small investor acquisitions to large complex transactions.
Our Process
01
Submit your deal
Tell us the property type, loan amount, and your timeline. Takes under 5 minutes.
02
We analyze options
We compare SBA, conventional, bridge, and private capital paths for your scenario.
03
Receive terms
Review the strongest options with clear guidance on rates, structure, and timeline.
04
Close with confidence
We stay with you through closing to make sure everything moves efficiently.
Need Financing for a Commercial Property?
Let’s review your scenario and identify the best loan options available — no obligation, no runaround.