When Traditional Documentation
Doesn't Fit the Deal
No Tax Returns • Light Documentation
Stated Income Programs • Alternative Underwriting
Not every strong commercial real estate transaction fits traditional bank underwriting. At 1st Coastal Commercial Capital, we specialize in specialty and alternative commercial lending solutions designed to accommodate the unique and difficult documentation process. Through our nationwide network, we help borrowers who need a more flexible approach to underwriting.
Talk to a Commercial Loan Specialist
Depending on the property, borrower and transaction, financing may be available through:
Programs that may qualify primarily through the property, collateral, cash flow and overall strength of the transaction rather than traditional personal or business tax returns.
Streamlined documentation programs for qualified borrowers who want an alternative to the extensive financial documentation typically required by banks.
Specialty financing programs where underwriting may place greater emphasis on property value, equity, credit profile, experience and the transaction strengths rather than conventional income documentation.
Financing for transactions where the strength of the real estate collateral and borrower equity may be more important than traditional income verification.
Whose tax returns may not reflect their true cash flow.
Seeking financing based primarily on the property's economics.
Including multiple businesses, partnerships or investment entities.
When conventional bank underwriting may take too long.
Transactions declined because of documentation, income verification or underwriting requirements.
Deals that require a capital source willing to look beyond a standard lending formula.
Traditional lenders often begin with tax returns and rigid underwriting guidelines. We begin with the deal.
We evaluate the property, equity, cash flow, borrower experience, credit profile, loan purpose and exit strategy to identify capital sources that may be willing to finance transactions under conventional bank parameters.
Tell us about your transaction and we’ll determine which specialty financing programs may be appropriate.
Loan Amount
$250,000 to
$250,000,000+
Property Types
Commercial Real Estate
Nationwide
Loan Purposes
Purchase • Refinance
Cash-Out • Bridge
Acquisition • Other
Specialty Situations
to speak with a commercial finance specialist.
Direct Line
Serving Borrowers &
Referral Partners
Nationwide
