Small Balance Commercial Loan General Guidelines


* Please note: All commercial applications MUST be in the name of a business (ie: LLC, Corporation, etc.) and all signers will be the personal guarantee. The guide below is for general description purposes only and does not accurately represent all products offered for smaller loans.



Loan Amounts:            $75,000 to $4,000,000
Property types:             Multi-Family, Mixed-Use, Retail, Office, Auto Repair, Day Care, Funeral Homes, Beauty Shops, Motels/Hotels, warehouse, 

                                       Mobile Home Parks, Campgrounds, Churches, Self-Storage, Dry Cleaner (Drop off only), Recreational properties

Ineligible Properties:   Raw land, construction, stand-alone churches or gas stations (although we will lend on auto repair/auto body shops)

LTV:                              Maximum LTV is 70%. 

Credit Scores:              650 Minimum FICO Scores.  Any scores below 650 require a reason to request an exception.

Closings:                       Three to four weeks 

Rates:                            Fixed Rates ranging from 7.5% to 12%.  Interest Only rates start at 12.00% and no prepay.

Points:                           0 - 3

Fees:                              Usually No upfront fees

Prepay:                          Declining 5%-4%-3%-2%-1% Prepay Penalty

States:                            Restrictions: Alaska, Alabama, Arizona, California, Hawaii, Michigan, Nevada, North Dakota, Vermont and West Virginia. 

When submitting your application, please send the following information for us to review:

1003 or Commercial Loan Application -
Click Here for Application
Credit Report with scores and trade lines
Summary of the deal
Digital pictures of the property (if available)
Rent Roll (if applicable) -
Click Here for XLS
Income and Expense Statement on the subject property (if applicable)​

Tel: 1-407-278-1466​

Capital Palm Partners, Inc.

8546 Palm Parkway, Ste 240,  Orlando, FL 32836

T:) 407-278-1466  |  Email: corporate@capitalpalm.com​​ 

Copyright 2018 Capital Palm Partners, Inc. All rights reserved.