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Commercial real estate
CRE Loan Requirements
Understand what lenders evaluate before approving investment property financing.
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10–35%
Minimum Down Payment
2–6 Weeks
Typical Review Timeline
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1.20x+
Minimum DSCR
680+
Minimum Credit Score
Key Approval Criteria
Quick Requirements Summary
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Must-Have for Approval
Stabilized, income-producing property
DSCR of 1.20x or higher
Down payment between 10%–35%
Acceptable credit history
Sufficient liquidity reserves
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Common Reasons for Decline
DSCR below 1.0x
Inconsistent rental income
Unverified financials
Excessive existing leverage
Poor property condition
Borrower Profile Essentials
Borrower Requirements
Practical steps to avoid hidden fees and predatory MCA providers.
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Credit Score
680+ preferred
Stronger pricing above 700
Recent bankruptcies may disqualify
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Down Payment
Minimum: 10%–35%
Lower end typically for strong DSCR deals
Higher equity required for higher-risk assets
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Experience
Prior investment ownership preferred
First-time investors allowed (stronger metrics required)
Track record improves pricing and flexibility
Liquidity / Reserves
Post-closing reserves required
Typically 6–12 months of debt service
Additional liquidity strengthens approval
Property Checklist
Property Requirements
Occupancy Rate
Stabilized properties preferred
85%+ occupancy typically ideal
Short-term vacancy must be explainable
Property Condition
No major deferred maintenance
Functional systems (roof, HVAC, plumbing)
Professional appraisal required
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Loan-to-Value (LTV)
Maximum LTV typically 65%–80%
Strong DSCR may allow higher leverage
Higher leverage = higher risk profile
OVERVIEW
Understanding DSCR
Debt Service Coverage Ratio (DSCR) measures a property's ability to cover its annual loan payments using its net operating income.
DSCR Formula
Net Operating Income
−
Annual Debt Service
=
DSCR
DSCR Ranges
1.40x+
Strong approval profile
1.25x–1.39x
Generally acceptable
1.10x–1.24x
Higher risk / pricing adjustments
Below 1.10x
Likely decline
CALCULATOR
Estimate Your DSCR
Enter annual NOI and annual loan payments to estimate eligibility strength.
Overview
6 Ways to Improve DSCR
Key features of traditional commercial real estate financing for income-producing properties.
Increase rental income
Boost your property’s cash flow by raising rent strategically or enhancing the property with upgrades that attract higher-paying tenants.
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Reduce operating expenses
Lower monthly costs by streamlining maintenance, negotiating better service contracts, and cutting unnecessary overhead.
Increase down payment
Contribute more upfront capital to reduce loan size, minimize interest, and secure more favorable financing terms.
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Extend loan amortization
Spread repayment over a longer period to lower monthly installments and improve cash flow flexibility.
Add additional income streams
Diversify your revenue by offering extra services, subleasing, or exploring side ventures that complement your main investment.
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Refinance high-interest debt
Replace costly loans with lower-rate financing to reduce interest payments and free up capital for growth.
Your Checklist
Required Documentation
To move forward with your loan application, lenders require a clear set of documents.
Personal
Government-issued ID
Personal financial statement
Credit authorization
Resume or investment experience summary
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Property
Current rent roll
12–24 months operating statements
Lease agreements
Property tax statements
Insurance information
Business / Entity
Articles of organization
Operating agreement
EIN confirmation
Business bank statements
Certificate of good standing
Common Questions
Frequently asked questions
Get answers to the most common questions about our financing platform and process.
Clear answers before you apply. No credit impact during pre-screening.
What types of businesses qualify for financing?
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We facilitate financing for businesses across all major industries and business structures. Qualification criteria vary by lender and product type, but generally include minimum revenue thresholds, time in business, and creditworthiness standards. Our advisors assess your specific situation to identify appropriate financing options.
What is the typical timeline from application to funding?
Preliminary decisions are typically delivered within 24 hours of completed application submission. Final approval and funding timelines vary by product type and lender requirements. Alternative financing products often fund within 3-7 business days, while SBA loans typically require 2-4 weeks due to government underwriting processes.
What credit profile is required for approval?
Credit requirements vary significantly by lender and product type. Traditional bank products typically require personal credit scores of 680 or higher, while alternative lending partners may approve businesses with scores as low as 600. We evaluate your complete financial profile to identify lenders aligned with your credit standing.
What fees does BestLoanUSA charge?
BestLoanUSA does not charge upfront application fees or consultation fees. Any fees associated with specific loan products are charged directly by the lending institution and are fully disclosed prior to loan acceptance. We maintain complete transparency regarding all costs throughout the process.
How do bank and non-bank lenders differ?
Traditional banks typically offer lower interest rates but maintain stricter qualification criteria and longer approval timelines. Non-bank lenders provide faster decisions with more flexible underwriting but may charge higher rates. Our platform provides access to both, allowing you to evaluate the full spectrum of available options.
What are the borrowing limits?
Available capital ranges from $10,000 to $10 million or more, depending on product type, business financial strength, and lender criteria. During the application review process, our advisors help determine appropriate loan amounts based on your stated needs and qualification parameters.
Ready to Get Started?
Access the capital your business needs
Comprehensive financing solutions backed by expert advisory guidance. One application, multiple lender options, transparent terms.
Secure & confidential
No credit impact
Advisor-led process
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