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Property Owners

What potential clients typically want to know

Here are some common questions you might have about working with Commonwealth Capital. If there is a topic we didn’t address, please click below. We’ll happily provide the details you are looking for.

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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!

Our loan review process is simple.

To get started, all we need is the property address and a brief summary of the transaction – or you can simply fill out an application online. Your submission will be reviewed by our underwriting team within 24 hours. We will respond with requests for any additional documents and information needed to issue a term sheet. We feel there is no substitute for a face-to-face meeting in business – we meet all of our borrowers in person and conduct site visits of the real estate collateral. Loans typically close in a few weeks but, on a case-by-case basis, can be funded in as little as three days.

Have other questions?


We’d be more than happy to talk with you and answer any questions you may have. We are sure you will quickly realize the many advantages of working with the Commonwealth Capital team.


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Contact us today.