Small Balance Commercial Loan Program

Zaytex Capital small balance commercial loan program is ideal for businesses where the property does not meet the minimum DSCR but the business generates sufficient income to support the requested loan amount. We offer a variety of loan programs to accomodate investors and owner-occupied properties.

 

  • INVESTOR Loan Sizes from $500,000 to $1,000,000 (Qualify based upon Business Cash Flow)
  • OWNER-USER Loan Sizes from $500,000 to $5,000,000 (Qualify based upon Business Cash Flow)
  • EBITDA Analysis (Earnings Before Interest, Income Taxes, Depreciation and Amortization)
  • No Origination Fee & No Points
  • For Refinances, Borrower must show positive cash flow on Tax Returns
  • Investor or Owner Occupied
  • 15,20,25, & 30 Year Amortization
  • Up to 75% LTV
  • 3,5,10, Year Fixed Rates
  • NO Balloons
  • Below Prime Rates
  • Up to 90% CLTV with SBA 504 or other companion loan
  • Fixed Declining Prepayment
  • EBITDA 1.25x
  • Minimum 660 Credit Score
Eligible Property Types: Retail, Office Buildings, Warehouse, Self Storage & Mini Storage, Mixed Use Properties, Office Condo, Light Industrial, Professional Centers, Medical Office, Restaurnats, Hotels (Flagged), and Mobile Home Parks.

Ineligible Property Types: Gas Stations, Schools, Bed & Breakfast, Weekly Rentals, Single Room Occupancy/Shared Bathrooms, and Day Care.