PRIVATE COMMERCIAL LENDING
SMALL BALANCE COMMERCIAL
Purchase | Refinance | cash Out
We are direct hard money lenders who specialize in small balance commercial loans. We deploy our own capital and our underwriting is rooted in common sense. We handle everything in-house (approvals, underwriting, funding, and servicing).
- Direct Lenders, not Brokers
- Quick Closings (5 to 10 business days)
- True Asset-Based Lending
- No Minimum Credit Score
- Loans up to $2,000,000
- U/W team has closed 3,000+ deals since 2007
Tell Us About Your Deal
(we respond within 24 hours)
Email loan summaries to:
georges@veraciticapital.com
Flexibility
Because we use our own funds and control the entire process, we are able to provide creative solutions. We underwrite each loan individually according to the situation.
Speed
With our streamlined process (low doc, no tax returns, no personal income docs, no full appraisal), we can typically close within 5 to 10 business days.
No Large Upfront Fees
Unlike some commercial lenders who require large initial deposits, your only upfront costs will be the inspection or valuation report, and environmental study whenever applicable.
Tell Us About Your Deal
(we respond within 24 hours)
Email loan summaries to:
georges@veraciticapital.com
LENDING GUIDELINES
| Typical Loan Size | $100,000 to $2,000,000 (higher case-by-case) |
|---|---|
| Financing Offered | 1st Lien Bridge Loans, 12-24 Months |
| Source of Capital | Balance Sheet (we deploy our own capital) |
| Geography | Mid-Atlantic States (MD, VA, DC, DE, NJ, PA)
Other states, case-by-case |
| Rate | 10.99% - 13.99% |
| Origination Fees | 2 - 4% |
| LTV/LTC | Generally, up to 55% (higher leverage by-case) |
| Closing Time | 5 to 10 business days |
| Minimum FICO | None. True asset-based loans. |
| Documents | (1) Signed Term Sheet, (2) Borrower ID, (3) Business Entity Docs, (4) Insurance If purchase: Ratified contract, Proof of Funds to close If refinance: Deed, Payoff |
| Foreign Nationals | Yes, we finance Foreign Nationals. |
PROPERTY TYPES
- Multifamily
- Self-Storage
- Office
- Retail
- Mixed-Use
- Light Industrial
- High-End Single Family
- Single Family Rentals
TRANSACTION TYPES
- Purchase
- Refinance
- Cash Out
- Special Situations
- We also allow cross collateralizaiton
Recently Funded Loans
Apartment
Refinance
- Loan Amount: $4,600,000
Mixed-Use
Purchase
- Loan Amount: $1,500,000
Restaurant
Refinance
- Loan Amount: $2,000,000
Self Storage
Purchase
- Loan Amount: $650,000
Veraciti Capital is a direct commercial lender that offers creative solutions to real estate investors. We provide flexible terms and quick closing timelines. We are here to help with your short-term funding needs. We look forward to working with you!
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