This is an entirely new type of lending not previously available in the marketplace. Just as with an equity loan or line on your residence, Commercial Equity Lines of Credit or “CELOCs” allow you to quickly, easily, and cheaply access equity you have in your commercial real estate, even if you already have a loan on the property.

Key benefits to you:

• You get the cash you need for improvements, money for your business, or even to refinance your existing small commercial loan into better terms.


• Loans and Lines of Credit available up to $500,000 or as much as 80% of your property’s value.
• Choose a fixed rate loan, an adjustable, a line of credit, or even a combination loan & line.
• Terms up to 25 years are available
• Allows property values up to 2 million, and more in many cases
• Most types of property are eligible, including those that are traditionally tough to lend on like gas stations, self-store, and commercial condominiums. Even residential real estate owned by a corporation is eligible!


• You get a great deal.


• Total closing costs are just 1% of the loan or line, period. No appraisal fee, no application fee, no title fee, no broker fee, no additional fees period. In rare cases, a property may require environmental insurance for a low one time fee.
• Rates are very competitive based on your good credit and the value of your property. Loans start in the 7% range, and lines of credit can be as low as Prime Rate + 1%.
• You will be able to choose and lock your rate and term upon credit approval at no cost to you.


• You avoid all the usual hassle


• These loans usually require no documentation of your income or assets. No financials, no tax returns, no bank statements.
• The application is one page, and we’ll do it for you over the phone in just a few minutes.
• You will have a decision in 3 business days. No more waiting around for banks and brokers!
• The whole process can be finished in 45 days.
• You sign a simple set of loan documents at your convenience, at your home or place of business.

We always welcome your call. When you have a simple question, when you want a personal consultation, or when you're ready to apply for new financing, please contact us our office for friendly, impartial advice and information.

Here are some customer stories that help to illustrate today’s commercial equity lending flexibility in action:

›› Customer Story: Hassle Free Commercial Equity Lines



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