ALT-A COMMERCIAL LOANS

The Smart Middle Ground
Between Banks and Hard Money
Flexible Underwriting
Competitive Rates
Light Documentation
Alternative Income Verification
Commercial Real Estate

Not every commercial real estate borrower fits traditional bank underwriting — and not every transaction needs expensive hard money.

1st Coastal Commercial Capital provides alternative capital sources and smarter financing solutions for strong deals that banks may decline but don't require hard money pricing.

DISCUSS YOUR ALT-A FINANCING 888-316-1787
Flexible
Underwriting
Competitive
Pricing
Alternative
Solutions
Better Than
Hard Money

WHY ALT-A FINANCING MAKES SENSE

Light Documentation

Streamlined documentation makes the process faster and more efficient than traditional commercial loans.

Alternative Income Verification

Allows you to qualify using bank statements, asset analysis or other non-traditional methods.

Flexible Underwriting

Creative solutions for unique situations, including self-employed borrowers and non-traditional income.

Cash-Out Refinancing

Access equity in commercial real estate for business purposes, improvements or expansion.

Credit Imperfections

Work with borrowers who have credit challenges, unique situations or temporary setbacks.

Non-Owner-Occupied Transactions

Solutions for investors, sponsors and business owners seeking non-owner occupied commercial real estate financing.

WHO IS ALT-A FINANCING FOR?

Self-Employed Borrowers Business owners using bank statements or asset-based income.
Real Estate Investors Scaling portfolios with flexible financing options.
Strong Borrowers With Complex Financials Unique income, ownership structures or high-net-worth individuals.
Borrowers With Significant Equity Equity-rich deals that may not fit traditional bank guidelines.
Recent Bank Turndowns Good deals that don't meet strict bank requirements.
Better Alternative to Hard Money More favorable pricing and longer terms than hard money loans.

COMMERCIAL PROPERTY TYPES WE FINANCE

Multifamily
Retail / Mixed-Use
Office
Industrial / Warehouse
Self Storage
Mobile Home Parks
RV Parks & Campgrounds
Special Purpose & Other Properties

FIND THE RIGHT FINANCING FOR YOUR DEAL

Bank Loans

Lowest Cost – Strict Guidelines

  • Lower interest rates
  • Strict documentation requirements
  • Strong credit and income required
  • Longer approval and closing process
  • Best for stabilized properties and institutional-quality deals
VS

ALT-A Loans

Flexible – Competitive Alternative

  • More flexible underwriting
  • Alternative income verification
  • Light documentation options
  • Competitive rates and terms
  • Ideal middle ground for strong deals that don't fit conventional guidelines
VS

Hard Money / Bridge

Maximum Flexibility – Short-Term

  • Fastest closing options
  • Higher interest rates and fees
  • Short-term solutions
  • Asset-based and less documentation
  • Best for time-sensitive or complex situations

BANK SAID NO?

Don't Let a Good Deal Wait.

Before you pay high hard money rates, let us review your deal. There may be an ALT-A solution with better terms, lower rates and faster cash flow flexibility.

Flexible underwriting
Alternative income options
Commercial property solutions
LET'S TALK ABOUT YOUR DEAL

HAVE AN ALT-A DEAL? SEND IT TO US.

Tell us about your transaction and let us match it with the right capital source.

Loan Amount

$250,000 –
$50,000,000+

Loan Purpose

Purchase • Refinance
Cash-Out • Acquisition
Value-Add

Property Type

All Commercial
Real Estate
Nationwide

SUBMIT
YOUR DEAL

No SSN Required
No Credit Check
No Collateral Required Upfront
No Obligation
SUBMIT YOUR DEAL