Commercial Direct

Commercial Direct^® offers borrowers many unique program benefits. Because we are committed to offering a lending product that is unparalleled in the industry, we have incorporated a number of special features into all of our commercial mortgages – features you aren’t likely to find with other lenders. To learn more about any of our unique program benefits, select from the list below. If you have ever worked with a traditional lender, you know that the lending process involves endless requests for financial documentation. Borrow up to 97% of your property value.

Borrow Up to 97% of Your Property Value

While most lenders will only fund up to 75% or 80% of the value of your property, Commercial Direct^® helps qualified applicants maximize their cash-on-hand by allowing them to borrow up to 97% on certain property types!

Declining Fixed-Rates On Commercial Mortgages

Commercial Direct^® is now offering the commercial mortgage industry’s first Declining Fixed-Rate Program! With terms of 15, 20 and 30 years, this one-of-a-kind program periodically decreases the interest rate over the life of your loan as long as you make your payments on time.

Less paperwork

Commercial Direct^®'s simplified approach to lending eliminates many of the cumbersome paperwork requests that are common in the industry.

No post close reporting or covenants

Did you know that most commercial lenders require you to provide ongoing financial and operating statements on your business long after your loan has closed? Additionally, you may be required to make "covenants", which are legal obligations concerning the financial strength of your business.

With a Commercial Direct^® loan, simply make your monthly payments and you will never have to provide financial information after your loan has closed.

No mandatory early payoffs

Most lenders have "balloon" features in their loans, which require customers to pay off their mortgage in just a few years. A balloon loan will force you to spend thousands of dollars in closing costs and go through the entire loan process again.

Commercial Direct^® loans do not have a balloon requirement. This allows you to stay in your loan throughout the term of the mortgage if you choose.

Assumable loans

If you plan to sell your property in the future, Commercial Direct^®'s assumable loan benefit can help.

This benefit allows you to transfer your mortgage loan to a qualified buyer at no cost to you, enhancing the marketability of your property to potential buyers!

Flexible term and rate options

With loan terms up to 30 years, you can better manage your business cash-flow. Longer loan terms allow you to lower your monthly payment and control the speed at which you build equity. Plus, while most lenders do not offer long-term financing options, we want our customers around for a long time.

In addition, our interest-only and one-of-a-kind declining fixed rate programs and flexible interest rates give you better options with your commercial lending needs.