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

2–3wk

Bridge loan closing time

$25M+

Max financing available

Financing options

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.

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

Property types

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.

🏢

Multifamily

🏭

Industrial

🏪

Retail

📦

Warehouse

🏨

Hospitality

🏬

Mixed-Use

🏗️

Office

🔒

Self Storage

Why work with us

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.

How it works

Our Process

Submit your deal

Tell us the property type, loan amount, and your timeline. Takes under 5 minutes.

We analyze options

We compare SBA, conventional, bridge, and private capital paths for your scenario.

Receive terms

Review the strongest options with clear guidance on rates, structure, and timeline.

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.

Discuss Your Real Estate Deal Get Qualified Online

Commercial Real Estate Loans & Bridge Financing