Commercial Specialty Long Term
We offer commercial Long Term Loan programs specifically for real estate investors and business owner occupied properties in special situations. This program is a low documentation, perfect for a fast purchases to either buy and hold or to refinance. Program qualification is based on property values, FICO score and property income. The real estate itself is heavily weighted in determining eligibility.
| Loan Amount | $100,000 – $2 Million |
| Minimum Property Value | $150,000 or greater |
| Loan Term | 30 years |
| Purchase | Up to 70% LTV |
| Refinance | Up to 65% of the As-Is Value |
| Cash-Out | Up to 65% of the As-Is Value |
| Time to Close | 30 Days |
| Asset Classes | Multifamily, Mixed use, Retail, Office, Light Industrial, Mobile Home Parks, Warehouse, Self-storage, Day Care Centers, Restaurants, Automotive |
| Lien Position | First mortgage |
| Interest Rate | Starting at 8.9% - 11.9% |
| Origination Fees | 1.00% – 3.00% (adjusted to loan size, timing, and complexity) |
| Minimum Credit Score | 640 |
| Amortization | Fully Amortized |
| Programs | 30yr Fixed, 3/1 ARM |
| Prepayment Penalty | 3yr or 5yr flat options |
| Lending in all states except | AK, CA, NV, AL, WV and VT |
A borrower seeking a long term commercial loan must meet the following generally stated minimum requirements.
| Borrower Type | US Citizen or permanent resident, Corporations, Trust or Limited Liability Companies |
| Borrower Liquidity | Flexible |
| Net Worth | Sufficient to support the loan and project scope |
| Credit Score | 620 or higher preferred |
Personal Documents
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Loan Application
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Driver’s License & Passport
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Personal Financial Statement
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Schedule of Real Estate Owned
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Bio/Resume
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Last Two Month’s of all Bank Statements
Property Documents
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Current Rent Roll
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Operating Statements for Last Three Years & YTD
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Operating Budget/Proforma for Next 12 Months
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Purchase Contract or Payoff & Current Mortgage Statement (if applicable)
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Leases
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Property Management Agreement
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Planned and Past Capital Improvements
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Valuation (to be ordered or provided)
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Title & Insurance Contacts
Business Documents
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Last 2-3 Years of Tax Returns (if applicable)
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Entity Documents
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• Articles of Organization
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• Bylaws/Operating Agreement
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Organizational Chart and Business Debt Schedule
We make it easy—download all the forms you need to start your loan application, hassle-free.
Real Estate Financing Made Simple
At Capital Three Sixty, real estate lending is all we do and we do it well. With decades of experience and thousands of funded deals, we help investors and business owners secure the right financing quickly and efficiently.
Fueling Your Real Estate Goals
Growing a Rental Portfolio
Flexible long-term loans for income-generating properties.
Flipping Properties
Fast capital for purchase, rehab, and resale.
Developing Commercial Projects
Funding for ground-up construction and value-add deals.
FUNDING IN
ALL STATES
*Except: MN, NV, ND, SD
Ready to
Get Started?
No hassle, no delays. Our quick application process is built to get investors, developers, and business owners the capital they need—without the runaround.
Simple online application
Quick review and response
No obligation term sheet