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Commercial Real Estate Loans
and Financing Lenders Division

$100,000 to $200,000,000 and Up

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Lenders on small to large Commercial Real Estate Loans are available for financing most enterprises imaginable. Can't qualify? No Income No Asset verification programs available on some properties. Commercial lenders for real estate financing loans make it easy.

Commercial loans from lenders with easy qualifying.

  • Apartments / Multi-family
  • Auto Repair Garages
  • Auto Body Shop
  • Car Lot and Auto Sales                                                    
  • Bar / Lounges
  • Bed and Breakfast
  • Campgrounds - RV Parks
  • Car Wash
  • Condos - Office / Warehouse                     
  • Day Care Facilities
  • Funeral Homes
  • Gas Stations
  • Golf Courses                        
  • Hotels
  • Laundromat
  • Light Industrial
  • Marinas                                  Click for details of PROPERTY TYPES:
  • Mixed Use                              Commercial Financing Loans and Lenders Real Estate Types
  • Mobile Home Parks
  • Motels
  • Multi Family - 5+ units
  • Office Buildings
  • Restaurants
  • Retail Sites
  • Self / Mini Storage Units
  • Warehouses

The following list will help you identify the types of information a banker will need to make an informed decision about your business:

  • Three years income tax and financial statements
  • Year-to-date profit & loss and balance statement
  • Personal finance statements
  • Projected cash flow statements for next 12 months
  • Pro forma for next 12 months / length of loan
  • Federal and state tax information
  • Collateral sheet
  • Well written business plan

Limited Verification and Stated Income Programs available in some cases!!

Underwriting Guidelines

Commercial real estate financing loans are underwritten by lenders on a case by case basis. Every loan application is unique and evaluated on its own merits, but there are a few common criteria lenders look for in commercial real estate loans and financing packages.

Financial Analysis
A key component in making an underwriting evaluation is the debt coverage ratio (DCR). The DCR is defined as the monthly debt compared to the net monthly income of the investment property in question. Using a DCR of 1:1.10 investors say that they are looking for a $1.10 in net income for each $1.00 mortgage payment. Typically they will determine the DCR ratio based on monthly figures, the monthly mortgage payment compared to the monthly net income. The higher the DCR ratio is the more conservative the lender. Most of them will not go below a 1:1 ratio (a dollar of debt payment per dollar of income generated). Anything less then a 1:1 ratio will result in a negative cash flow situation raising the risk of the loan. DCR's are set by property type and what an investor perceives the risk to be. Today, apartment properties are considered to be the least risky category of investment lending. As such, they are more inclined to use smaller DCR's when evaluating a loan request. Make sure that you are familiar with a lender's DCR policy prior to spending money on an application. Ask them to give you a preliminary review of the investment property that you want to purchase. Information is free, mistakes are not.

Loan to Value
Unlike residential lending, investment properties are viewed more conservatively. Many lenders will require a minimum of 20% of the purchase price to be paid by the buyer (or 10% down with seller financing 10%). The remaining 80% can be in the form of a mortgage provided by either a bank or mortgage company.

Credit Worthiness
Decent credit is usually required, however some investors offer credit challenged borrowers programs at higher rates.

Apartments | Automotive | B & B | SBARV Parks - Campgrounds | Carwash | Day Child Care | Churches | Land - Construction | Storage Units | Mixed Use
Mobile Home Parks | Office / Warehouse | Restaurant - Bar | Shopping / Strip Centers

Solar Energy Projects  |  Wind Turbine Farm Developments  |  Biodiesel - Ethanol Plant Projects   |   Renewable Energy Project Financing    

Project Development Funding           Links

Maximum Financial Inc.
36 Cartier Ct
Dillon, CO 80435



E-Z Qualifying

Maximum Financial Inc.

Easy Qualifying!

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Multi family apartments
Apartments - Multi Family

Auto Repair Service

RV Parks, campgrounds
Campgrounds - RV Parks

Car Wash

Bar, lounge.
Bar / Lounge


B & B bed and breakfast inns
B & B Bed and Breakfast



Let commercial financing loans and
real estate lenders make it easy.