Is Commonwealth a broker or a direct lender?
Commonwealth is a direct, balance sheet lender. We hold the loans on our own balance sheet and service them for the life of the loan.
Critical funding for a wide variety of projects and needs.
At Commonwealth Capital, you deal directly with our Executives through every step of the borrowing process. This unique accessibility allows for a quick approval and fast closing. In fact, we can close deals in as little as five days.
We take pride in offering creative loan structures to real estate owners as well as direct access to the decision-makers responsible for financing.
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Commonwealth Capital is a reliable partner for professional financial intermediaries, brokers, attorneys and accountants whose clients face unique borrowing challenges.
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Is Commonwealth a broker or a direct lender?
Commonwealth is a direct, balance sheet lender. We hold the loans on our own balance sheet and service them for the life of the loan.
How quickly can you close a loan?
We will require an appraisal and title commitment prior to closing. We can close in as little as 5 days if these reports are already completed.
Do you charge prepayment penalties?
We do not have a prepayment penalty. The borrower is welcome to pay off the loan in full at any time, with no additional fee.
Do you allow secondary financing or seller-held notes?
We do allow seller-held notes and secondary financing. We usually require 20% down, however, on a case by case basis, this can be reduced or eliminated.
What is the minimum credit score you require for a loan?
We do not have a minimum credit score but we will want to understand the reasons behind any credit issues.
What type of properties do you lend on?
Almost all property types, including Single Family Homes, Multifamily, Office, Retail, Industrial, Bars/Restaurants, Funeral Homes, Gas Stations, Dry Cleaners, Self Storage, Mixed Use, Daycares, Hotel/Motel, Warehouse, Special Use, Agriculture, and Auto Repair.
Are there any property types you won't consider?
Land - send us all the rest!
We’d be more than happy to answer and discuss in detail any other questions that you may have. We are sure you will appreciate the many advantages of working with Commonwealth Capital that you won’t get with other lenders.
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