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
This category is focused on Working Capital—cash for daily operations, not just real estate.
0% interest business credit lines work as revolving credit accounts that allow business owners to access capital without interest charges for an introductory period. These solutions often involve securing multiple 0% APR business credit cards to ensure cash flow stability and accessibility during the business launch or expansion phase.


Dedicated Advisor
One point of contact who knows your file inside and out. No call centers, no handoffs.
Most funding failures happen before the application is ever submitted. Your free strategy call ensures the plan is right before execution begins.
Ready to See What You Qualify For?
It takes 2 minutes to get started. No credit check required. Your advisor will build a strategy around your exact situation.
Backed by nearly a decade of real-world experience and having helped thousands of clients since 2016, we deliver trusted results. Our experts dive deep into your unique credit profile and handle the heavy lifting—so you don’t have to.
We Help With:
✔️ Foreclosures
✔️ Student Loans
✔️ Late Payments
✔️ Bankruptcies
✔️ Collections
✔️ Repossessions
✔️ Medical Bills
✔️ Hard Inquiries
Real Estate Investment Funding
This category is for "Professional" investors managing a portfolio rather than a single home.
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.
Rental Portfolio (5+ Properties):
Get in Touch
Reach out anytime for personalized funding advice or support with your application.
Phone
+1-313-489-0112
info@breacommercialcapital.com
Brea-Commercial Capital
Empowering businesses with modern financing solutions. We provide the capital and expertise needed to scale your operations and secure your future.
info@breacommercialcapital.com
+1 (313) 489-0112
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