Our approach
Help yourself get approved, and know what kills deals and what lenders need to see before you submit.
The process
What to expect when applying for a commercial loan
From initial review to funding, here’s the typical path and how you can help move it forward.
Initial review
We confirm early whether your request is realistic so no one wastes time.
Document collection
You'll provide financials, tax returns, and property or business details.
Loan structuring
We match your deal to the right lender and loan program.
Lender review
A lender reviews your file and issues proposed terms.
Underwriting
The lender verifies income, credit, and collateral.
Appraisal & due diligence
Independent third parties confirm value and condition.
Final approval
The lender formally approves the loan.
Closing & funding
Documents are signed and funds are released.
Typical timelines
- Bank / SBA: 45–120 days
- Private / Bridge: 10–45 days
Your role
Prompt document delivery = faster closing.
Borrowers
Top 10 loan killers
These are the most common reasons deals fall apart. Avoid them to improve your odds of approval.
- Slow or incomplete documents
- Weak or unclear cash flow / DSCR
- Credit issues or undisclosed derogatories
- Insufficient liquidity or unverifiable equity
- Over-leveraged request (no cushion/reserves)
- Limited or mismatched sponsor experience
- Property/asset issues (vacancy, condition, environmental)
- Entity/title/legal mismatches
- Unrealistic expectations for loan type
- Poor deal presentation (unclear story, messy file)
Before you submit
Pre-submission readiness checklist
Get your deal in shape. Use this checklist so your package is complete and lender-ready.
- Entity name matches contract and formation docs
- Government ID(s) provided for principals/guarantors (as required)
- Tax returns (2–3 years) available and consistent
- Year-to-date P&L and Balance Sheet prepared
- Rent roll / trailing 12 (if applicable) prepared
- Personal Financial Statement (PFS) completed (if required)
- Proof of funds provided (bank/brokerage statements)
- Down payment source documented and seasoned
- Exit strategy documented and realistic
- All documents are current, complete, and in one version