Commercial Lending Capital

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The CLC Comparison

At Commercial Lending Capital, we take a unique approach to underwriting that benefits you, the customer. With our residential style of underwriting, we are able to focus on your ability to repay the loan, not necessarily on the cash flow of your commercial property.

You will enjoy many additional benefits at Commercial Lending Capital that are not available with other Commercial lenders.
  Other Lenders Commercial Lending Capital
Maximum LTV As low as 50% Up to 90% on approved credit
Approval Time Weeks or months 8 working hours from a completed submission
Services Levels Voicemail & email Online forms, email & phones answered live from 7am to 5pm Monday thru Friday
Appraisal Process Risky Property experts on staff to review values before appraisal is ordered
Environmental Review Risky Property experts on staff to review known issues before reports are ordered
Investment Properties Varies Yes
Owner Occupied Properties Varies Yes
Application Fee Varies to $15,000 NO Charge for preliminary underwriting up to and including term sheets underwritten by an expert.
Cash-Out Refinancing Varies Yes on on approved credit
While most lenders will only fund up to 75% or 80% of the value of your property, Commercial Lending Capital allows qualified applicants to borrow up to % on certain property types.

What does this mean to you? Whether you are buying a commercial property or looking to tap into the equity of a property you already own, our program allows you to maximize your cash-on-hand.
Banks have cumbersome approval committees that require mountains of documentation and weeks or months to review and decide your loan request. Simply provide your Commercial Loan Specialist with all your loan requirements, and we'll notify you within 24 hours if you are approved.
The number one issue behind customer service is being available to answer the phone and provide support.
Property Appraisals are often one of the most expensive components of the commercial mortgage process. As an experienced nationwide lender, we have an extensive network of qualified property appraisers. Through a national bid processing system, we obtain quotes from many appraisers in the area of your property and help choose the best fit for your loan request, based on quality, price and turnaround time. Commercial Lending Capital does not charge additional fees for the appraiser and we turn the discount over to you, the customer.
Most commercial lenders will require you to obtain a Phase 1 Environmental Review of your property, which can cost time and thousands of dollars.

Our solution varies from database searches to Phase 1 reports depending on the loan program chosen.

Additionally, many commercial lenders will require you to purchase a property survey which can cost thousands of dollars and delay your loan closing. In almost all cases, we do not require you to purchase a new survey to close the loan.
Commercial Lending Capital specializes in loans to real estate investors and small business owners. Many other lenders will not loan to individuals who's business does not operate in the subject property.
Commercial Lending Capital specializes in loans to real estate investors and small business owners. Many other lenders will not loan to individuals who's business does not operate in the subject property.
NO Charge for preliminary underwriting up to and including term sheets underwritten by an expert. The difference is that many banks and commercial money sources will issue "letters of interest", which have received very little actual consideration of the facts.
Yes on on approved credit and with a viable plan for the usage of the cash. We cannot provide cash out where there is no business purpose or if the cash out is to finance future cash flows.
* Nothing on this page shall be construed to be exact program requirements. Only a complete submission can facilitate a complete answer.