SMALL BALANCE COMMERCIAL LOANS

Small Balance Commercial Lending for Income Producing Properties

We specialize in providing small-balance commercial real estate financing for income-producing properties. Our loan programs are designed for quick approvals with less hassle than traditional commercial mortgages.

Stronghill Capital is an established, national, direct lender for various income-producing properties, including most types of commercial real estate. Our commercial mortgage loans serve entrepreneurs seeking financing for collateral such as multifamily, mixed-use, office, retail, warehouse/light industrial, self-storage, commercial condo, mobile home parks, automotive, quick service restaurants, and parking lots/garages.

Whether your borrower is a seasoned investor or a first-time purchaser of commercial real estate, Stronghill has a tailormade solution.

By offering flexible terms and hassle-free underwriting, we provide options beyond those traditionally available in the marketplace. Regardless whether your client is pursuing an acquisition, rate and term refinance or a cash-out, applying for a loan with Stronghill will make the qualification process simpler.

Property Types

Retail/ Quick Service Closed Deal

Case Study

This $1,150,000, 48% LTV, rate & term refinance of a quick service restaurant in Portland, Maine was closed through Stronghill’s Small Balance Commercial loan program. Stronghill was able to structure with a 5-year term, 30-year amortization, and fixed interest rate. This allowed the borrower to pay off a maturing loan and move into long term fixed rate financing.

Deal Highlights

LOAN TYPE

PROPERTY TYPE

LOAN AMOUNT

LTV

DSCR

TERM

BROKER PAYOUT

Rate & Term Refinance

Quick Service Restaurant

$1,150,000

48%

1.10x

5-year Fixed Amortized over 30-years

$11,500

A strong sponsor and long-term ownership of the asset allowed Stronghill to overcome concerns with near term lease roll and provide the borrower with a permanent financing solution.

Program

Features

LOAN AMOUNT

TERMS

RATES

YSP

LOCATION

PROPERTY TYPES

LTV MAX.

DSCR MIN.

AMORTIZATION

PREPAYMENT

RECOURSE

CREDIT SCORE

DEPOSIT & FEES

Retail

Commercial

$500,000 – $10,000,000

5, 7, 10 Years

Competitive Market Rates

Available

Nationwide, except SD

Multifamily, Mixed-Use, Office, Retail, Light Industrial/Warehouse, Self-Storage, Mobile Home Communities, Investment Residential, Automotive, Restaurants (including quick service), Special Purpose (case by case)

75%

1.10x

25 or 30 years; Interest Only options available

Required, but negotiable

Full and Partial

Minimum 620

Required, but varies per transaction

Investor Residential

Program

Features

LOAN AMOUNT

TERMS

RATES

YSP

LOCATION

PROPERTY TYPES

LTV MAX.

AMORTIZATION

PREPAYMENT

RECOURSE

CREDIT SCORE

DEPOSIT & FEES

DSCR MIN.

$150,000 – $4,000,000

30 Years

Competitive Market Rates

Available

Nationwide, except SD & ND

Investment Residential (1-4 units), Short Term Rentals,
Multifamily (5-8 Units), Mixed-Use >50% Residential (2-8 Units)

Up to 80% for purchase and rater term refi, up to 75% for cash out

1.00x

30 years; Interest Only options available

Required but negotiable

Full

Minimum 620

Required, but varies per transaction

Stronghill Approach

We follow a reliable, predictable, consistent, and relationship-oriented lending process. Our goal is to work with our broker partners and their clients for the long haul. By offering competitive rates and hassle-free solutions, Stronghill is here to serve as your go to lender.

As with other property types, Stronghill’s lending guidelines are flexible and here to meet the needs of your borrowers. Most importantly, we truly partner with our mortgage broker clients to guarantee smooth closings. Responding swiftly to documentation requests will help us process your files faster and lead to a quicker closing.

Why Stronghill?

Stronghill has everything you could ask for in a strong lending partner. Let’s connect and discuss how we can help with your next closing.