Equipment Leasing, Commercial Lending, Comprehensive Consulting


Commercial Real Estate Financing Options as Varied as the Market Itself

Every Commercial Real Estate Loan is unique; cookie-cutter solutions don’t work in this market

In fact, Commercial Real Estate Financing requirements are as diverse as the Commercial Real Estate market itself. Investment and income opportunities run the gamut from multi-family, mixed use, office, and retail complexes to light industrial, self-storage, mobile home parks and income properties.

Other variables include whether a commercial property is currently classified as owner-occupied or investment, small-balance versus large-balance opportunities or credit status and other mitigating borrower profile factors.

If you seek a financing partner capable of sourcing a diverse range of commercial real estate financing options, look no further than Cardinal Business Financing. We, through our network of private commercial lenders and structure finance investors, are capable of satisfying the needs of your business both now and in the future.

We feature a variety of commercial real estate loans program to accommodate a wide swath of borrowers’ needs, with loan limits ranging from $75,000 to $10 million plus. At the end of the day, we believe our mission is to facilitate access to these resources. We think property owners and investors are underserved by narrow and inflexible banking guidelines so we designed our programs to find a middle ground for investors or potential owners who are unable to qualify under those strict guidelines.

At Cardinal Business Financing, we understand that every loan has a unique story and we’re ready to guide you (or your borrower) into a program that fits their needs. Purely focused on the commercial finance niche, we recognize the difficulty brokers and borrowers experience locating financing for their commercial transactions in the current market.

While other lenders are turning down most commercial transactions today, our comprehensive approach enables us to offer loans for more borrowers and on more transaction types. One area where we’ve been very successful is helping meet the needs of small-balance borrowers. The fact is, across the United States there are far more properties that fit small-balance lending; the owners of these properties tend to get overlooked by larger banks interested in “big loans.” We specialize in helping to close loans in the $200,000 to $5,000,000 range.

Our company implements a tiered approach to financing by utilizing our own access to capital, as well as that of others, to provide our clients with the best options possible. Our premium customer service and attention to detail makes the commercial loan process simple for borrowers as well as commercial finance professionals.

In addition to being able to finance hard-to-place transactions, we offer loan programs for investors, owners, or companies seeking financing on strong, superior credit grade transactions. Following are some of our general program guidelines:

– Up to 90.0% LTV – Loans from $75K to $5M+
– Investor & Owner Occupied Loans – No Exorbitant Upfront Deposits
– Preliminary Approval in 24 Hours – Rates from 4.0% to 6.75%
– Purchase, Refinance & Cash-Out – Nationwide Programs


To learn more about our commercial real estate programs, please contact us today.

Small Balance Commercial Real Estate Programs

Some banks can be narrow and inflexible with balance thresholds, underserving otherwise viable property owners and investors.

We know every loan has a unique story; our programs represent a middle ground for those unable to meet stringent, standardized balance guidelines. Therefore, we offer a variety of financing options keyed to the unique needs of your customer or investment opportunity.

Bank Program

We believe that quality credit deserves quality rates. For this program, a 700 minimum credit score and global cash flow are generally required: - loan amounts from $500,000 to $5,000,000 - Bank quality building - Liquidity - Net worth - Global DSCR

Core Program

Addresses loans outside traditional banking guidelines. Amounts from $200,000 to $5,000,000; generally require a minimum credit score of 650 (greater than 500 accepted on a case-by-case basis).

Streamline Program

Unmovitated to dig up and submit past tax returns? No worries investment borrowers or guarantors (owner occupied properties require business tax info for this program). Loan amounts of $200,000 to $3,000,000. Same credit info as Core Program.

1-4 Plus Unit Program

Outside the box thinking is at the center of this single-property program. Loan amounts of $75,000 to $2,000,000 qualify with rates as low as 6.75%. No tax returns or global DSCR; 650 mimimum credit score (will consider lower on a case-by-case basis). Cash out to 70% LTV.

Customer Accolade: Barnum Learning Center, LLC

"We were in business for a few years and were looking to expand, we contacted Cardinal Business Financing to inquire about what types of financing might be available to us. Dan listened to our needs and was quickly able to run down the options available. Before we knew it Dan, had us approved for the funding we needed to open a second location. We are now working with Cardinal Business Financing with plans to expand once again. From the first call to post-closing, they made the process as simple as can be."

- Ronald Stasko, Owner