Loan Programs
Mortgage Products
Get Immediate Access to Virtually Every Loan Program Available for Commercial Real Estate
We know your time is valuable, and we don’t want to waste it. We are committed to providing you with the best financing available anywhere, no excuses.
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Speak with one of our commercial lending experts now.
Get matched with the loan program that’s just right for you.
We’ll approve and close your loan fast. Think days, not weeks.
Commercial Real Estate Loans
Extensive loan programs available including Conventional Financing, SBA, USDA, Freddie Mac, Fannie Mae, FHA and Private Capital.
- Acquisition loans up to 90% of purchase price
- Cash out up to 75% LTV
- Competitive rates
- 5, 7, 10 and 30-year loans fully amortized up to 30 years
- Loans for imperfect credit
- All property types including Hospitality, Multi-Family, Office, Mixed Use, Retail, Self-Storage, Mobile Home Parks, Industrial, Restaurants, etc.
SBA Loans
At BrightBox Capital, we have a thorough understanding of the loan programs made available to business owners through the U.S. Small Business Administration. We have the expertise to help our customers take advantage of these exciting loan programs.
- No cost pre-qualification letters
- We make applying for and closing your SBA loan easy
- Fastest closings in the industry
SBA 7(a) Loan Program
- Loan amounts from $50,000 to $7,500,000
- Virtually any type of property can be financed
- Competitive market rates
- Fees are generally limited to the SBA guaranty fee and customary closing costs
Use of Proceeds:
- Real estate acquisition, construction or refinance: Up to 90% financing available
- Business acquisition: Up to 80% financing available
- Equipment acquisition: Up to 100% financing available
Terms:
- Up to 25 years for real estate financing
- Up to 10 years for equipment or business acquisition financing
- Up to 7 years for permanent working capital
SBA 504 Loan Program
- Loan amounts up to $12,000,000
- Virtually any type of property can be financed
- Interest rates are always market competitive
- Fees are generally limited to the SBA guaranty fee and customary closing costs
Use of Proceeds
- Real estate acquisition, construction, or refinance: Up to 90% financing available
- Equipment Acquisition: Up to 80% financing available
Terms
- First Mortgage: Up to 25-year term for real estate loan and up to 15-year term for equipment purchase
- Second Mortgage: Up to 20-year term for real estate and up to 15-year term for equipment purchase
Bridge and Hard Money Loans
A bridge loan or “Hard Money” loan is a short-term loan collateralized by commercial real estate which is used to get control of a property or when a property is in transition. We have the experienced team for complex deal structuring to help you execute your business plans.
- Fast closings, typically 1-3 weeks
- Term: 6 months to 3 years
- Loan amounts: $1,000,000 to $25,000,000
- Rate: 8% to 12% interest only
- LTV: Up to 75%
CMBS Loans
CMBS stands for “Commercial Mortgage-Backed Securities.” It is a type of loan backed by commercial properties that are “securitized” into a pool and then transferred to a trust. The trust issues a series of bonds that are sold to investors.
- Competitive rates
- Non-recourse
- Fixed term up to 10 years
- 30-year amortizations
- Cash out up to 75%
- Loan amounts from $1,000,000 to $50,000,000
Approved property types include the following:
- Multi-family
- Office
- Hotel
- Retail
- Shopping centers
- Self-storage
- Manufactured housing communities
Financing for Real Estate Investors
Real estate investing is back, and our loan programs help investors buy properties at the highest LTV possible and the lowest out-of-pocket possible.
- Fast financing for the acquisition of investment properties
- Blanket loans for real estate portfolios
Purchase Loan
- Property types include SFR’s, 2-4 Units, Condos, Townhomes, PUD’s
- Loan amounts $50,000+
- LTV up to 90% of the purchase price, maximum 80% of the as-is value
- 100% financing of rehab costs
- 6 and12 month terms
- Competitive rates
- No prepayment penalty
- Close in 10 days
Blanket Loan
- Cash out up to 75% of the value of the property
- 5, 10 or 30 year terms available
- 30-year amortization
- Competitive rates
- No prepayment penalty
