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Referral Partners

FAQs regarding our Referral Program

We strive to make our Referral Program as simple as possible. If something is unclear, however, we hope these Q&As provide the details you’re looking for. If you have additional questions, please contact us directly via the button below.

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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.

After discussing a scenario, the borrower is informed about which documents we will need to review in order to issue a term sheet. We feel there is no substitute for a face-to-face meeting in business; consequently, we meet all our borrowers in person, as well as conduct a site visit of the real estate collateral. Our loan process usually is completed within a few weeks but, on a case-by-case basis, can be funded in as little as five days.

Membership and Associations

Commonwealth Capital holds memberships in several of the top loan industry associations.

Have other questions?


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.


Simply complete the form to right and we will be in touch with you shortly.

We’re here to listen to your story.
Contact us today.