Mortgage/HELOC
Leverage commercial or residential property to access capital for growth, investment, or expansion.
Mortgage financing allows you to unlock the value of property you already own whether it’s commercial or residential, or to secure the funding needed to purchase a new property. By placing a lien on the asset, lenders can offer larger, longer-term financing options at competitive rates, giving business owners and investors the ability to scale with confidence.
In addition, a newer solution is now available:
Property-Secured Line of Credit (LOC): A revolving line of credit backed by real estate, giving you flexible, on-demand access to capital while leveraging the stability of your property.
What Determines Your Offer
- Security and duration of the loan
- Loan-to-Value (LTV) ratio
- Borrower credit profile
Questions to Consider
- Do you currently own commercial or residential property?
- Are you planning to acquire new property in the near future?
- Does the property generate income (tenants, leases, etc.)?
- Is there existing debt on the property?
- How many units does the property include?
Required Documents
- Profit & loss statements
- Property valuation: Appraisal or Broker’s Opinion of Value (BOV)?
- Last three years of tax returns
- Personal financial statements (updated within 60 days)
Good to Know
- Mortgage financing is available for income-producing commercial or residential property
- Properties that generate income through tenants are the most common candidates
- Mixed-use properties (a business + a tenant on-site) are fully eligible
- At 50% repayment, your business may qualify for additional funding
- A Property-Secured Line of Credit offers flexible access to funds and replenishes as you repay the balance
How It Works
- A lien is placed on commercial or residential property you already own to access funds for nearly any purpose
- A lien may also be placed on a property you plan to purchase, securing financing for acquisition
- Borrowers may also qualify for a secured Line of Credit, offering a revolving credit structure backed by the property’s equity
- Loan amounts and terms depend on valuation, income potential, and existing debt
Ready to Apply?
Access long-term or revolving capital through the strength of your property.