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Minnesota Commercial Real Estate Loans

Our Minnesota commercial lending programs provide an alternative to traditional bank financing that is ideal
for borrowers seeking small balance commercial real estate loans ranging from $100K - $4MM.

We are a nationwide lender and offer up to 90% - 97% financing to qualified investors/borrowers. Our
niche programs are best suited for borrowers who want or require maximum leverage on commercial real
estate purchases, refinances, and refi-cashouts. Our innovative program features include residential
style underwriting, 48 hour pre-approvals, unlimited cash-out, long terms and amortizations, quick 30 - 45
day closings, multiple pricing options, and minimal costs.

Our loan pre-approval process is simple, streamlined, and flexible. Commercial real estate investors turn
to us for quick turn around times, borrower friendly terms, and ease of transaction.

We have eliminated many attributes that are commonly associated with other lending programs:

NO upfront fees
NO loan committees
NO past lending relationships required
NO balloon payments NO lengthy pre-approval process NO minimum debt service requirements
NO yield maintenance NO mandatory lockouts NO income verification option

A credit borrowers (680 + middle credit score)
A- credit borrowers (679 - 640 middle credit score)
B credit borrowers (639 - 580 middle credit score)

Tier 1 & 2 Minnesota Property Types
Multifamily, Mixed-Use, Office, Retail, Self Storage, Light Industrial, Warehouse, Bed & Breakfast, Automotive Service, and Mobile Home Park.

90% financing ( A ) and 97% (if Owner-Occupied)**
85% financing ( A- )
75% financing ( B ) and 80% (if Owner-Occupied)

Tier 3 Minnesota Property Types
Rooming House, Heavy Industrial, and Funeral Home.

80% financing ( A )
75% financing ( A- )
70% financing ( B )

Tier 4 Minnesota Property Types
Restaurant, Daycare, Gas Station, and Assisted Living Facility.

75% financing ( A )
70% financing ( A- )
65% financing ( B )