Commercial Real Estate Financing

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Small Balance Loan Program

Small Balance Loan Program

Commerical Building

 PCF Real Estate Application

Small Balance Loan Program

Are you ready to own the building your business occupies? Have you found an attractive investment property, but not the lender to partner with? Or maybe you need to cash out a large piece of equity from your current facility.

Whatever the scenario that's causing your borrowing need, Preferred Capital has your solution. More likely than not, it falls in the category of Small Balance Commercial Loans.

High balance commercial loans, usually $2,000,000 and up, may have rigid underwriting rules. While Preferred Capital handles loans of all sizes, we excel in the Small Balance world. The world where Main Street businesses and real estate investors live. With lighter underwriting and streamlined processing, we can get you to closing faster than most traditional lenders.

Small Balance Loans are perfect for when you are:

• Turned down by a bank due to loan size or credit challenges
• Want to cash out a large amount of equity from your existing facility
• Don't report enough income on tax returns
• Need a long-term fixed rate on a commercial property

Many small business owners are unable to get financing for Small Balance loans for a variety of reasons. At Preferred Capital, we understand the unique obstacles you may face. You are more than a credit score or a past financial challenge.

Here are some of our typical terms:

LTV up to 80%
• Credit score down to 600
• Loans up to $2,000,000
• Fixed and adjustable rate programs
• Wide range of property types such as apartments, office buildings, retail, mixed-use, hotel/motel, daycare, auto repair/auto body, mobile home parks, self-storage, and stand-alone restaurants

Customers with challenging credit 

Since the Preferred Capital Funding underwriting approach is unique, there is no matrix or pricing sheet to reference. Each deal is evaluated and priced according to individual ability. Eligible deals must be 1st position mortgages on a wide variety of commercial real estate with loans between $50,000 and $2MM. General terms begin with interest rates starting at 6.50% for a fully amortizing 30 years fixed commercial mortgage. Some program highlights include:

  • $50K to $2MM
  • cash out
  • No FICO Score Minimum
  • Rates as low as 6.50%
  • 30 Year Fixed
  • No Upfront Lender Fees (Appraisals are paid COD after commitment)
  • 2 to 3 Week Closing

Eligible property types include:

  • Multi-Family
  • Mixed-Use
  • Strip Malls/Shopping Malls
  • Retail Spaces
  • Office Spaces
  • Warehouses
  • Day Care Centers
  • Light Industrial
  • Hospitality
  • Marinas
  • Auto Body Shops
  • Auto Repair Shops
  • Car Wash
  • Self-Storage
  • Mobile Home Parks
  • Churches

Call us today at (770) 648-8100 or email to and one of our mortgage specialists will be ready to help.



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Preferred Capital Funding
1951 Honey Creek Commons
Conyers, GA 30013