Commercial Loans

These are Asset-Based Loans, meaning the lender cares more about the property's value and income potential than your personal tax returns.

FlexTerm (30-Year Fixed & ARMs):

Unlike a bank loan that might have a 5-year "balloon" payment, these are long-term. You can lock in a rate for 30 years or choose an Adjustable-Rate Mortgage (ARM) if you plan to sell or refinance in 5–7 years.

Flex I/O (Interest-Only):

You only pay the interest for a set period (often up to 10 years). This maximizes your monthly cash flow because you aren't paying down the principal yet.

Fast50 (Low LTV, Easy Docs):

If you have a lot of equity (at least 50%) but poor credit or "messy" paperwork, this program bypasses traditional hurdles. They give you the money quickly because the low Loan-to-Value (LTV) ratio protects the lender.

ARV Pro (90% LTC):

Designed for "Fix & Flip" projects. LTC (Loan-to-Cost) means they fund 90% of your purchase and renovation costs. They base the loan on the After-Repair Value (ARV)—what the house will be worth after you fix it.

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If you have a lot of equity (at least 50%) but poor credit or "messy" paperwork, this program bypasses traditional hurdles. They give you the money quickly because the low Loan-to-Value (LTV) ratio protects the lender.

Foreign Investor Program:

Business Funding (via David Allen Capital)

This category is focused on Working Capital—cash for daily operations, not just real estate.

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10-Minute Approvals / 1-2 Day Funding: This is "High-Speed" capital. The application is usually entirely digital—you link your bank business account, their algorithm scans your cash flow, and you get an offer almost instantly.

Gig-Worker Capital ($2k - $10k): Targeted at Uber drivers, freelancers, and 1099 contractors who usually get denied by banks. Approvals are based on consistent deposit history in your bank account rather than a high credit score.

Small Business Capital (Up to $2M): These are often Revenue-Based advances. Instead of a fixed monthly payment, the lender takes a small percentage of your daily sales.

Payment Processing Solutions: They likely offer credit card terminals or online gateways (like Clover or Square competitors) to help you accept customer payments, often bundled with lower fees if you take a loan.

Real Estate Investment Funding

This category is for "Professional" investors managing a portfolio rather than a single home.

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Long-Term Rental (30-Year):

Used for "Buy and Hold" strategies. Once a flip is finished, you might move it into this loan to keep it as a rental.

New Construction:

"Ground-up" financing. Money is released in "draws" (stages) as the builder completes the foundation, framing, and roofing.

Fix & Flip:

Short-term bridge loans (6–18 months). You buy a "distressed" property, renovate it, and sell it quickly. The loan is paid off when the house sells.

Once a building has 5 or more units, it is legally "Commercial." This funding uses the building's total rent roll to determine how much you can borrow.

Multi-Family (5+ Units):

Instead of having 5 separate mortgages with 5 different due dates, a Blanket Loan covers all your properties under one single monthly payment, often with better interest rates.