How it works
No black hole. You will always know where it stands.
Commercial financing has a reputation for going quiet. Our process is deliberately the opposite: you know what we have, what we still need, and what happens next.
- 01Step 1 of 4
You send the property
Two minutes, no documents, no phone call.
The address, the property type, the units or the square footage, roughly what you are looking for, and how soon you need it. That is enough for a first read. If you would rather talk it through, call or text instead — whichever is easier for you.
- 02Step 2 of 4
We review it and come back with real questions
The questions that decide the loan, not a generic checklist.
For an apartment building that usually means the rent roll, current occupancy, how the property has been operated, any renovation or lease-up plans, and your experience with similar buildings. For a commercial building it is the lease terms, tenant mix and how the building performs at turnover. Harold reads it himself.
- 03Step 3 of 4
The file goes to lenders who fit
You are not handed a list of names to call yourself.
Different lenders want different property types, loan sizes and timelines. We take your file to the ones whose programs actually match this deal, and we handle the back-and-forth — the questions, the conditions, the negotiation — on your behalf.
- 04
You get a clear answer and decide
What is available, what it costs, what the conditions are.
No pressure and no jargon. If the numbers do not work, we will say so. If the deal is a fit, you will know exactly what you are agreeing to before you agree to it.
What to have ready
Nothing here is required to start — send what you have. These four things are what move a file fastest once it does get going.
Start your file- The property
- Address, property type, and how many units or how much square footage.
- The loan
- Approximately how much you need, and what it is for — purchase, refinance, or a loan coming due.
- The income
- A current rent roll or lease summary, if you have one to hand.
- The timing
- When you need the money. This changes which lenders are genuinely available.
Ready when you are — and it costs nothing to find out.
Send the details of the building. You will get a straight answer about whether it is worth pursuing.