- Our Process
From first call to funding a process designed to remove uncertainty.
What to expect, what we’ll need, and how long it takes.
Most commercial financing processes feel opaque on purpose. Ours doesn’t. Below is exactly what happens at each stage, what we’ll ask you for, and the realistic timeline. If something is going to slow your deal down, you’ll know it before you commit.
01
Discovery Call
We learn the deal.
Duration · 20–30 minutes
A direct conversation with Tom about the property, your goals, and the basics of your financial picture. No application, no commitment. By the end of the call, you’ll have a candid read on whether we can structure something and what that something looks like.
02
Term Sheet & Strategy
We map the path.
Duration · Typically within a week of discovery
We identify the right lender or set of lenders for your deal, present indicative terms, and walk you through trade-offs. You see real options rate, leverage, recourse, prepayment, term length laid out side by side. You decide which path forward makes sense for your business.
03
Application & Submission
We package the file.
Duration · 1–2 weeks once documents are gathered
We collect what the lender needs, organize it the way underwriters want to see it, and submit. A well-packaged file accelerates underwriting; a sloppy one stalls it. We’ve been doing this for two decades we know what each lender wants and how they want it.
04
Underwriting & Negotiation
We advocate for your terms.
Duration · 3–6 weeks for most commercial deals
During underwriting, we manage the back-and-forth between you and the lender, push back on conditions that don’t make sense, and negotiate the strongest terms your file supports. You stay informed at every milestone no silence, no surprises.
05
Closing
We coordinate to funding.
Duration · 1–3 weeks after clear-to-close
We coordinate with title, your attorney, the lender, and any third parties through to funding. After closing, we stay in touch for the refinance, the next acquisition, or whenever the next deal lands on your desk.
- What You'll Need
Document checklist.
Final document requirements vary by lender and program. Below is the typical starting set for most commercial real estate financing requests.
Borrower / Sponsor
- Personal financial statement (current within 90 days)
- Last 2–3 years of personal tax returns
- Schedule of real estate owned (REO schedule)
- Government-issued ID and proof of address
- Resume or background summary for the principal sponsor
Business Entity
- Last 2–3 years of business tax returns
- Year-to-date profit & loss and balance sheet
- Articles of organization, operating agreement, or equivalent
- EIN documentation
- List of business debts and obligations
Property
- Purchase contract or current loan documents (for refinance)
- Rent roll and trailing 12-month operating statement (for income property)
- Most recent appraisal (if available)
- Property tax records and insurance declaration
- Photos and a brief property description
- Realistic Timeline
How long does this take?
For a typical commercial mortgage on an existing income-producing property, expect 45–60 days from term sheet acceptance to funding. SBA 7(a) and 504 deals run longer — usually 60–90 days. Bridge and stated-income programs can move faster, sometimes 30 days or less when the file is clean and the appraisal cooperates.
The fastest factor we control is file preparation. The slowest factors — appraisal, environmental review, title curative — we manage actively but don’t fully control. We’ll tell you which stage you’re in and what’s outstanding, every week.
Ready to start the conversation?
Apply online to begin, or call to discuss your deal first.