eFunder Capital helps investors and business owners structure financing for small balance commercial properties with clarity, flexibility, and execution-focused guidance. We support financing for mixed-use properties, multifamily assets, retail centers, office buildings, warehouses, and select business-purpose commercial real estate nationwide.
LTV on Purchases
LTV on cash-out refi
Long-Term Fixed Structures
Flexible Financing Structures
Credit Score: Lenders typically prefer a middle credit score of 680 or higher. If you need assistance improving your credit, visit www.eFunderCredit.com.
Tax Returns: A lender requires a complete financial history of the last 3 years, including both personal and business federal tax returns. While some offer only bank-statement lending, submitting tax returns can enhance your chances of approval.
Pay Stubs: If you have a job, lenders may request your last three pay stubs to verify your income.
Bank Statements: Providing the last three months of personal and business bank statements is essential to confirm available funds for the down payment and closing costs.
Corporate Documents: Present your EIN SS-4 Form, Articles of Organization, and Operating Agreement. If any partner owns 20% or more of the business, their documents are also necessary.
Personal Financial Statement: Many long-term lenders require a Personal Financial Statement (PFS) from each borrower to evaluate assets, debt, income, and net worth.
Application: This initiates the process, so ensure you complete the application thoroughly to avoid any delay or rejection by the lender.
Key Commercial Financing Considerations
Property location plays an important role in financing structure and lender appetite. Most lenders prefer stabilized properties located in established urban and suburban markets with strong rental demand and market activity.
Small balance commercial financing may apply to mixed-use properties, multifamily assets, office buildings, retail centers, warehouses, and select commercial investment properties depending on lender guidelines and property performance.
Financing structure is influenced by property value, borrower qualifications, cash flow, leverage, and overall investment strategy.
Existing leases and rental income help lenders evaluate property cash flow, occupancy stability, and long-term financing viability.
Lenders may review property operating history, tax documentation, and financial performance to better understand cash flow stability and long-term asset performance.
Property income and expense reporting helps lenders evaluate operational performance, debt coverage, and long-term financing sustainability.
An appraisal helps establish property value and supports financing structure, leverage calculations, and overall transaction alignment.
Ready to Get Started?
Submit your deal details and we’ll help identify financing options aligned with the property, cash flow, borrower profile, and long-term investment objectives.
Please be as detailed as possible.