Unlock your real estate dreams with Vertex Funding!

Expand your investment portfolio into commercial real estate with our comprehensive Commercial Loan Programs. We've partnered with leading national lenders to bring you flexible financing solutions for income-producing properties and strategic acquisitions. Whether you're seeking long-term stability or short-term opportunity capital, our expertise connects you with the ideal commercial financing solution.

Small Balance Commercial Loans

Secure long-term, fixed-rate financing for stabilized commercial properties through our premier lending partners. Perfect for investors building equity through amortization while maintaining predictable payment schedules.

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Program Requirements:

  • Minimum Credit Score: 660
  • Loan-to-Value (LTV): Up to 80%
  • Debt Service Coverage Ratio (DSCR): 1.20x minimum
  • Interest Rates: Starting at 6.75%
  • Loan Term: 25-30 Year Amortization (5/1, 7/1, 10/1 ARMs)

Program Highlights:

  • Loan Amounts: $500,000–$5,000,000
  • Property Types: Mixed-Use, Office, Retail, Industrial, Self-Storage, Multi-Family (5+ Units)
  • Special Features: Non-Recourse Options Available, Assumable Loans

Key Advantages:

  • Stable Long-Term Financing: Lock in competitive rates to protect your investment
  • Cash Flow Focused: Underwriting based on property performance, not personal income
  • Maximum Leverage: Competitive LTVs to help preserve your capital
  • Portfolio Growth: Ideal for expanding your commercial property holdings

Commercial Bridge Loans

Access short-term, flexible financing for value-add opportunities and property repositioning through our specialized lending network. Perfect for investors needing quick capital for acquisitions or rehabilitation projects.

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Program Requirements:

  • Minimum Credit Score: 660
  • Loan-to-Value (LTV): Up to 75%
  • Debt Service Coverage Ratio (DSCR): 1.00x minimum (future DSCR considered for value-add)
  • Interest Rates: Starting at 8.50%
  • Points: 1 - 2%

Program Highlights:

  • Loan Amounts: $500,000–$15,000,000
  • Loan Term: 12-36 months with extension options
  • Property Types: Office, Retail, Industrial, Hotels, Multi-Family (5+ Units), Special Purpose
  • Special Features: Interest-Only Payments, No Prepayment Penalties

Key Advantages:

  • Speed & Flexibility: Close quickly on unique or time-sensitive acquisitions
  • Value-Add Focus: Loans structured based on the future potential of the asset
  • Seamless Transitions: Perfect bridge to long-term permanent financing
  • Opportunity Capital: Don't miss promising investments while waiting for long-term financing
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